0% Installment for 3-Month Tenor at Optik Melawai

The Program shall be conducted during the program period, which runs until 25 February 2026 (“Period of Program”).

The program is valid at all Optik Melawai outlets. Click here.

1. Installment Program
   1. The program applies to Danamon Bank Credit Cards & Charge Cards bearing the Visa, Mastercard, JCB, and American Express logos, but does not include Corporate Credit 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 their participation and/or cancellation of participation in this Program.
   5. The program consists of 0% (zero percent) installments for a 3 (three) month tenor with a minimum transaction of IDR 1,000,000 (one million rupiah) and is not applicable to multiples.
   6. The program is valid every day, including public holidays, during the Instalment Program Period.
   7. Valid at all Optik Melawai outlets.
   8. The program applies to primary and supplementary cards.
   9. Each transaction converted into installments will be subject to an administration fee of IDR 25,000 (twenty-five thousand rupiah).
   10. Each transaction converted into installments will not earn D-Points or Membership Rewards Points.

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 comply with 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 comply with 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. Cardholders represents and warrants that the Cardholders 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 Cardholders participation in the Program, and/or cancel the provision of Program benefits to the relevant Program Participant. Cardholders shall remain obligated to fulfill all outstanding obligations to the Bank, if any.
4. Other terms and conditions related to banking products and/or services, as long as they are not regulated differently in the General Terms and Conditions of this Program, shall remain valid and binding for the Cardholders and form an integral part of the General Terms and Conditions of the Program.
5. The General Terms and Conditions of this Program constitute a unified whole and form an inseparable part of the 'General Terms and Conditions of Membership for Danamon American Express Credit and Charge Cards', 'General Terms and Conditions of Membership for Danamon Credit Cards', 'General Terms and Conditions for Accounts and Banking Services', and 'General Terms and Conditions for Danamon Debit/ATM Cards'. These terms and conditions shall remain valid unless otherwise stipulated in the General Terms and Conditions of this Program.
6. Cardholders 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 Cardholders 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. Cardholders agrees that if no objection is submitted within the specified period, the Cardholders shall be deemed to have accepted the changes. If the Cardholders does not agree with the changes, the Cardholders has the right to discontinue Program participation by first completing all obligations to the Bank (if any).
7. Cardholders or their representative may submit complaints related to banking products and/or services either verbally or in writing through the Bank’s nearest branch office, via Hello Danamon at 1-500-090, or by email to hellodanamon@danamon.co.id.
8. The procedures for the customer complaint service may be found on the official website of the Bank at the following link: www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
9. 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.
10. 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).
11. 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).

Cardholders 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.