Syariah Card Gold

What makes this card Islamic

Bank Mega Syariah builds this card on a Kafalah + Qard Hasan + Ijarah contract. The bank stands behind you and promises the shop it will pay, then collects from you.

Bank Mega Syariah names all three fatwa contracts and attributes the recurring charge to IJARAH: 'Atas izin penggunaan Syariah Card yang diterbitkan, Pemegang Kartu dikenakan ujroh (fee) seperti membership fee yang ditagihkan secara bulanan (monthly membership fee) maupun tahunan (annual membership fee).' Note its Kafalah wording is broader than BSI's — it covers cash withdrawals at its own and other banks' ATMs, and its Qardh covers both cash withdrawals AND merchant transactions.

Approved by Dewan Pengawas Syariah Bank Mega Syariah, under the supervision of Otoritas Jasa Keuangan (OJK); Bank Indonesia for payment systems.

What it costs

Every figure below comes from Bank Mega Syariah’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

Rp 240,000Free in the first year for the main card and 3 supplementary cards.source

Supplementary card

Rp 120,000Kartu Tambahan.source

Profit rate

Not publishedFlat monthly membership fee by card limit. Published Gold bands: Rp3,000,000 limit = Rp52,500/month; Rp4,000,000 = Rp70,000; Rp5,000,000 = Rp87,500; Rp19,000,000 = Rp332,500. Offset by a cash rebate which the bank states is NOT agreed in advance ('Perhitungan cash rebate tidak diperjanjikan di awal') and is calculated on transaction volume and payment quality. DERIVED (not stated by the bank): 1.75% of the card limit at every published band.

Cash withdrawal

Rp50,000 per withdrawal. Cash withdrawal capped at 40% of the card limit — the most generous cash ceiling of any Indonesian Islamic card found (BSI caps at 20%).

Late payment

Rp 50,000

Over limit

Rp 250,000

Replacement card

Rp 100,000

What you get back

• Monthly cashback of 1.5%, capped at Rp500,000, on transactions in certain countries
• 10 points for every Rp10,000 of retail spend, in multiples

Other benefits

• Blocked at merchant categories judged non-halal, such as gambling and alcohol sales
• Cash advance limit up to 40% of the card limit, via Bank Mega and any Cirrus/Visa ATM worldwide
• Fixed instalment plans on retail purchases of Rp500,000 or more, in-store or online
• Easy Bill: autodebit for electricity, phone, mobile, cable TV and internet bills
• Autodebit with a choice of minimum payment or full payment
• Competitive FX rates, positioned explicitly for umrah, hajj and religious travel

Before you apply

• Unlike BSI, Bank Mega Syariah DOES charge both a late fee (ta'widh) and an over-limit fee — Rp250,000 for going over the limit is the steepest single charge in the Indonesian Islamic-card market.
• The cash rebate is explicitly NOT promised in advance — 'Perhitungan cash rebate tidak diperjanjikan di awal' — so unlike BSI you cannot assume a zero-spend month rebates to zero.
• The published Gold band table jumps from Rp5,000,000 straight to Rp19,000,000, so intermediate bands are not disclosed.
• Issued in partnership with (conventional) Bank Mega: the call centre, and the SMS notification sender ID, are Bank Mega's.

Can you get it?

Minimum income

Rp 5,000,000 a monthsource

Age

21 to 65

Other conditions

Permanent employee. Supplementary cardholder minimum age 17. NPWP required only for limits above Rp50 million.

What to have ready

• KTP (national ID)
• Salary slip or proof of income
• NPWP (only for financing limits above Rp50 million)

Where these figures come from

Last checked against Bank Mega Syariah’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “Monthly Membership Fee — Gold: Limit Kartu Rp3.000.000 / Monthly Fee Rp52.500; Rp4.000.000 / Rp70.000; Rp5.000.000 / Rp87.500; Rp19.000.000 / Rp332.500”
• “Annual Membership Fee — Gold: Kartu Utama: Rp240.000; Kartu Tambahan: Rp120.000”
• “Biaya Ta'widh — 1 - 30 hari Rp50.000; 31 - 60 hari Rp100.000; 61 - 90 hari Rp100.000. ***Nominal: Berlaku mulai 1 Maret 2025”
• “Biaya Penarikan Tunai Rp50.000”
• “Biaya Kelebihan Pemakaian Limit (Overlimit) Rp250.000”
• “Biaya Penggantian Kartu Rp100.000”
• “Cashback bulanan 1,5% hingga Rp500.000 untuk transaksi di negara tertentu. — Keuntungan memiliki Syariah Card Gold”
• “Setiap transaksi ritel sebesar Rp10.000 akan mendapatkan 10 poin, berlaku kelipatan. — Keuntungan memiliki Syariah Card Gold”
• “Fasilitas penarikan uang tunai (Cash Advance) melalui ATM Bank Mega dan bank lain berlogo Cirrus (Visa) di seluruh dunia dengan limit tarik tunai hingga sebesar 40% dari limit kartu.”
• “Karyawan tetap dengan penghasilan minimal Rp5 juta per bulan (kartu Gold) dan Rp10 juta (kartu Platinum). — Persyaratan, Syarat Umum”
• “Usia minimal 21 tahun - 65 tahun (kartu utama) atau minimal 17 tahun (kartu tambahan). — Persyaratan, Syarat Umum”
• “Perhitungan cash rebate tidak diperjanjikan di awal. Namun, perhitungan cash rebate ini dihitung berdasarkan jumlah transaksi dan kualitas pembayaran tagihan setiap bulannya sesuai dengan limit kartu yang dipergunakan.”
• “Logo Principal (VISA): Syariah Card diterima sebagai alat pembayaran di berbagai tempat usaha yang memasang logo VISA di seluruh dunia.”

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