Syariah Card Platinum

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.

Three fatwa contracts; the recurring monthly membership fee is charged under Ijarah, netted by a cash rebate that the bank explicitly does not promise in advance.

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 600,000Free in the first year for the main card and 3 supplementary cards.source

Supplementary card

Rp 300,000Kartu Tambahan.source

Profit rate

Not publishedFlat monthly membership fee by card limit. Published Platinum bands: Rp20,000,000 limit = Rp350,000/month; Rp21,000,000 = Rp367,500; Rp22,000,000 = Rp385,000; Rp100,000,000 = Rp1,750,000. 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.

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 Rp1,000,000, on transactions in certain countries
• 20 points for every Rp10,000 of retail spend, in multiples

Other benefits

• Higher transaction limits than Gold
• Blocked at merchant categories judged non-halal
• Cash advance up to 40% of the card limit worldwide via Cirrus/Visa ATMs
• Fixed instalments on retail purchases of Rp500,000 or more
• Easy Bill autodebit for recurring household bills
• Competitive FX rates positioned for umrah, hajj and religious travel

Before you apply

• Late fee (ta'widh) and a Rp250,000 over-limit fee both apply — BSI charges neither.
• The cash rebate is not contractually promised in advance.
• The Platinum band table jumps from Rp22,000,000 straight to Rp100,000,000.

Can you get it?

Minimum income

Rp 10,000,000 a monthsource

Age

21 to 65

Other conditions

Permanent employee earning at least Rp10 million a month. Supplementary cardholder minimum age 17. NPWP required 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 — Platinum: Limit Kartu Rp20.000.000 / Monthly Fee Rp350.000; Rp21.000.000 / Rp367.500; Rp22.000.000 / Rp385.000; Rp100.000.000 / Rp1.750.000”
• “Annual Membership Fee — Platinum: Kartu Utama: Rp600.000; Kartu Tambahan: Rp300.000”
• “Cashback bulanan 1,5% hingga Rp1.000.000 untuk transaksi di negara tertentu. — Keuntungan memiliki Syariah Card Platinum”
• “Setiap transaksi ritel sebesar Rp10.000 akan mendapatkan 20 poin, berlaku kelipatan. — Keuntungan memiliki Syariah Card Platinum”
• “Karyawan tetap dengan penghasilan minimal Rp5 juta per bulan (kartu Gold) dan Rp10 juta (kartu Platinum). — Persyaratan, Syarat Umum”
• “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”

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