BSI Hasanah Card Classic

What makes this card Islamic

Bank Syariah Indonesia 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.

The three-contract structure mandated by DSN-MUI Fatwa No. 54/DSN-MUI/X/2006. Kafalah: the bank is guarantor (kafil) to the merchant for the cardholder's payment obligations, and charges an ujrah for the guarantee. Qardh: the bank is lender (muqridh) on ATM cash withdrawals, charged as a flat fee unrelated to the amount drawn. Ijarah: the bank is a payment-system service provider and charges the annual membership fee. The recurring charge is a flat monthly fee set by CARD LIMIT (not by outstanding balance), offset by a 'cash rebate' that reduces it to zero if the balance is settled; the customer never pays more than the stated monthly fee.

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

What it costs

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

Annual fee

Rp 120,000Free annual fee for the first 2 years, plus 1 further year if the holder registers Smartbill, Smartsadaqah or Perisai Plus. Free for life for BSI Prioritas customers on the main card and one supplementary card.source

Supplementary card

Rp 60,000Annual fee for a supplementary Classic card.source

Profit rate

Not publishedBSI does not state a percentage rate. It charges a flat monthly fee determined by the card limit: Classic limit Rp4,000,000 = Rp70,000/month; limit Rp6,000,000 = Rp105,000/month. A cash rebate is netted off: net monthly fee = monthly fee - cash rebate. DERIVED (not stated by the bank): the monthly fee equals 1.75% of the card limit at every published Classic band. The bank does publish 'eq. rate' figures for the cash rebate: before due date, full payment 1.75% / partial payment 1.40%; after due date, full payment 1.40% / partial payment 1.35%.

Cash withdrawal

Rp25,000 per withdrawal regardless of the amount drawn (as required by the fatwa, the fee must not be linked to the sum withdrawn). Cash withdrawal capped at 20% of the card limit.

Late payment

Rp 0

Over limit

Rp 0

Takaful cover

Perisai Plus optional protection, charged at 0.69% of the billed amount (rate published on the Hasanah Card Gold product page; assumed common to the range but not separately confirmed for Classic).

What you get back

Other benefits

• No late-payment penalty and no over-limit penalty at all — BSI states 'Tidak ada denda keterlambatan maupun denda overlimit'
• Cannot be used at non-halal merchants (nightclubs, gambling venues, bars, dating and escort services)
• Smart Spending: convert any purchase of Rp500,000 or more into 0% instalments for up to 12 months
• Smartbill automatic monthly bill payment (PLN, postpaid phone, PDAM, cable TV)
• Smart Sadaqah: recurring monthly charitable giving through partner LAZIS bodies (Baznas, ACT, Dompet Dhuafa, Rumah Zakat) at no charge, minimum Rp50,000/month
• Hajj and Umrah payment plans at 0% for 3-24 months
• Accepted worldwide on the Mastercard network; cash withdrawal at Cirrus ATMs
• E-billing by email at no charge

Before you apply

• The monthly fee is charged on the CARD LIMIT, not on what you spend — so it is billed even in a month with no transactions. It is only cancelled out by the cash rebate, which depends on paying the bill.
• Cash withdrawals are capped at 20% of the card limit and cost a flat Rp25,000 each.
• A paper statement delivered by courier costs Rp20,000; email billing is free.

Can you get it?

Minimum income

Rp 3,000,000 a monthsource

Age

21 to 65

Other conditions

Applicant must have a clean record with Bank Indonesia, AKKI and BSI, and must be able to pay a minimum of 10% of the total bill each month. Three application routes: VIP (BSI Prioritas customers, company owners/BOD/BOC, stakeholders, public figures, specialist doctors), Regular (civil servants, SOE and bona-fide private-sector employees, professionals, staff cards) and Bundling (existing Griya, Oto or Mitraguna financing customers).

What to have ready

• Signed application form
• KTP (national ID)
• NPWP (tax number)
• Proof of income

Where these figures come from

Last checked against Bank Syariah Indonesia’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.

• “Fee table image inside the FAQ PDF, 'Kategori 1 / Classic: Limit Kredit 4.000.000 — Monthly Fee 70.000; Kategori 2 / Classic: Limit Kredit 6.000.000 — Monthly Fee 105.000'”
• “Annual fee table inside the FAQ PDF: 'Kartu Basic — Annual Fee Classic 120.000; Kartu Supplement — Annual Fee Classic 60.000'”
• “Biaya tarik tunai di ATM Rp. 25.000/penarikan berapapun nominal penarikannya. Batas maksimal penarikan tunai 20% dari limit kartu. — FAQ BSI Hasanah Card, Q10(f)”
• “Tidak ada denda keterlambatan maupun denda overlimit. — FAQ BSI Hasanah Card, Q10(d) and the comparison table Q3”
• “a. Penghasilan Min 3 juta per bulan b. Usia Min 21 tahun atau Maks 65 Tahun — FAQ BSI Hasanah Card, Q18”
• “Aplikan juga harus memiliki kesanggupan membayar tagihan BSI Hasanah Card minimum 10% (sepuluh persen) dari total tagihan setiap bulannya. — FAQ BSI Hasanah Card, Q18(e)”
• “Ada 3 jenis yaitu BSI Hasanah Card Clasisc, BSI Hasanah Card Gold, BSI Hasanah Card Platinum. — FAQ BSI Hasanah Card, Q13”
• “Besaran monthly fee ditagihkan berdasarkan limit kartu dan jumlahnya tetap setiap bulan. — FAQ BSI Hasanah Card, Q8(a)”
• “Eq. rate cash rebate sebelum jatuh tempo: Full payment = 1,75% Partial payment = 1,40%; Eq. rate cash rebate setelah jatuh tempo: Full payment = 1,40% Partial payment = 1,35% — FAQ BSI Hasanah Card, comparison table Q3”
• “Pengiriman billing tagihan yang dikirimkan melalui kurir ke alamat rumah atau kantor yang terdaftar pada sistem, dikenakan biaya sebesar Rp 20.000,-. — FAQ BSI Hasanah Card, Q22”

• Product page
• Schedule of charges