0% Installment up to 12 Months at JAMTANGAN.COM

The Program shall be conducted during the period commencing on 1 October 2025 until 30 September 2027 (“Period of Program”).

JAMTANGAN.COM at www.jamtangan.com

1. The program is valid for Bank Danamon customers who have and transact with the following types of cards ("Cardholders"): Bank Danamon Credit Cards and Charge Cards with the Visa, Mastercard, JCB, or American Express logos, but excluding corporate Credit Cards and Charge Cards ("Cards").
2. Cardholders are required to read and understand the General Terms and Conditions of the Program.
3. Bank Danamon reserves the right to refuse or cancel a Cardholder's participation in this Program if the Cardholder does not meet the General Terms and Conditions of the Program.
4. Cardholders are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Cardholder's participation and/or cancellation of participation in this Program.
5. The installment program applies as follows:
   1. The 0% (zero percent) installment program applies to tenors of 3 (three), 6 (six) and 12 (twelve) months with a minimum transaction of IDR 1,000,000 (one million rupiah) as follows:
      

      Merchant Name	Tenor	Minimum Transaction (IDR)
      JAMTANGAN.COM	3 months	1,000,000
      	6 months	1,000,000
      	12 months	1,000,000

   2. The program applies to purchases of all products at jamtangan.com outlets.
   3. The program applies to primary and supplementary cards.
   4. Each transaction converted into installments will incur an administration fee of IDR 25,000 (twenty-five thousand rupiah).
   5. Any transaction converted into installments will not earn D-Points or Membership Rewards Points;
   6. The process of applying for conversion into installments is done directly at the point of sale and has never been submitted through other channels (e.g. SMS, email).
6. This program cannot be combined with other programs and/or promotions.
7. By conducting transactions in accordance with the General Terms and Conditions of the Program, Cardholders are deemed to have read, understood and agreed to participate in the Program and to be subject to the General Terms and Conditions of the Program. Transactions conducted by Cardholders constitute valid proof of Cardholders' participation in the Program and Cardholders' agreement to be subject to the General Terms and Conditions of the Program.

1. The products, services, and/or benefits provided by the Partner are the sole responsibility of the Partner and do not constitute products or responsibilities of the Bank. In the event of any issues and/or complaints related to such products, services, and/or benefits, please contact the relevant Partner.
2. The Cardholder represents and warrants that the Program Participant is not currently engaged in, and will not engage in, any transactions that may be indicative of money laundering and/or any other transactions prohibited under the prevailing laws and regulations of the Republic of Indonesia.
3. In the event of any indication of fraud, misconduct, deception, irregular transactions, unreasonable transactions, money laundering, and/or any actions that are contrary to applicable laws and regulations, the Bank reserves the right to cancel the transaction, terminate the use of the Bank’s products/services, revoke the Cardholder participation in the Program, and/or cancel the provision of Program benefits to the relevant Cardholder.
4. Terms and conditions related to other banking products or services remain valid and binding unless explicitly stated otherwise in this Program’s terms.
5. These Program General Terms and Conditions is an inseparable part of The General Terms and Conditions of Membership for Danamon Credit Cards, The General Terms and Conditions of Membership for Danamon American Express Credit Cards and Charge Cards, and the, as well as other terms and conditions related to banking products and/or services, shall apply. In the event of any discrepancy or conflict between such terms and conditions and Program General Terms and Conditions, the Program General Terms and Conditions shall prevail.
6. The Cardholder agrees and acknowledges that the Bank reserves the right to amend/change/or supplement these Program General Terms and Conditions from time to time. Any changes shall be communicated through the Bank’s available communication media. In the event of any change in the benefits, risks, fees, and general terms and conditions and other changes, the Cardholder has the right to submit a written objection to the Bank within 30 (thirty) Business Days from the date of such notification by the Bank via its available communication channels. The Cardholder agrees that if no objection is submitted within the specified period, the Cardholder shall be deemed to have accepted the changes. If the Cardholder does not agree with the changes, the Cardholder has the right to discontinue Program participation by first completing all obligations to the Bank (if any).
7. Cardholders may submit complaints regarding banking services or transactions through the nearest Bank Danamon branch, Hello Danamon (1-500-090), or via email at hellodanamon@danamon.co.id.
8. Details of Bank Danamon’s complaint-handling procedures are available at: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah
9. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) and Bank Indonesia, and is a participant in the Deposit Insurance Program of the Indonesia Deposit Insurance Corporation (LPS).
10. These Program General Terms and Conditions have been adjusted to comply with the prevailing laws and regulations, including regulations issued by the Financial Services Authority (OJK).
11. These Program Terms and Conditions are prepared in both Indonesian and English. In the event of any discrepancy or difference in interpretation between the Indonesian and English versions, the Indonesian version shall prevail.

Program Participant must exercise due caution against fraudulent activities perpetrated by individuals or entities falsely claiming to represent the Bank and offering rewards in any form. The Bank shall not be held liable for any acts of fraud or other criminal conduct committed by third parties in connection with or under the pretense of association with the Bank or this Program.