BSI Hasanah Card Gold

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.

Three-contract structure per DSN-MUI Fatwa No. 54/DSN-MUI/X/2006. The monthly fee (ujrah) is charged for the Kafalah guarantee and is set by card limit, not by outstanding balance; a cash rebate nets it down, to zero in a month with no usage.

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 240,000Free for the first 2 years, plus 1 further year on registering Smartbill, Smartsadaqah or Perisai Plus. Free for life for BSI Prioritas customers.source

Supplementary card

Rp 120,000Annual fee for a supplementary Gold card. Maximum 3 supplementary cards for family members.source

Profit rate

Not publishedFlat monthly fee by card limit, as published in the FAQ fee table: Rp8,000,000 limit = Rp140,000/month; Rp10,000,000 = Rp175,000; Rp15,000,000 = Rp262,000; Rp20,000,000 = Rp350,000; Rp25,000,000 = Rp437,500; Rp30,000,000 = Rp525,000. Net monthly fee = monthly fee - cash rebate. DERIVED (not stated by the bank): this is 1.75% of the card limit at each band (the Rp15m and Rp75m rows appear rounded in the bank's own table).

Cash withdrawal

The FAQ PDF states Rp25,000 per withdrawal regardless of amount; the Hasanah Card Gold product page states Rp50,000 per withdrawal. The two BSI sources disagree — treat as UNRESOLVED and check the current tariff before relying on either.

Late payment

Rp 0

Over limit

Rp 0

Replacement card

Rp 45,000

Takaful cover

Perisai Plus optional protection at 0.69% of the billed amount.

What you get back

• Welcome bonus of Rp50,000 for Gold, credited after the card is activated and used for a first transaction (a transaction of as little as Rp1 qualifies) within 3 months of approval

Other benefits

• No late-payment penalty and no over-limit penalty
• Blocked at non-halal merchants
• Umrah payments at 0% instalments for up to 24 months
• Smart Spending: convert purchases of Rp500,000+ into 0% instalments up to 12 months
• Smart Fund: transfer part of the card limit to an account as a 0% instalment plan up to 12 months
• Contactless tap-to-pay
• Up to 3 supplementary cards for family members

Before you apply

• BSI's own FAQ PDF and its Gold product page state DIFFERENT cash-advance fees (Rp25,000 vs Rp50,000). Confirm with the bank.
• The monthly fee accrues on the limit even in a zero-spend month; it only nets to zero via the cash rebate.
• A permanent limit increase costs Rp100,000.

Can you get it?

Minimum income

Rp 3,000,000 a monthsource

Age

21 to 65

Other conditions

Clean record with Bank Indonesia, AKKI and BSI; must be able to pay at least 10% of the total bill monthly. VIP, Regular and Bundling application routes.

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, Gold column: 'Limit Kredit 8.000.000 — Monthly Fee 140.000; 10.000.000 — 175.000; 15.000.000 — 262.000; 20.000.000 — 350.000; 25.000.000 — 437.500; 30.000.000 — 525.000'”
• “Annual fee table inside the FAQ PDF: 'Basic — Annual Fee Gold 240.000; Supplement — Annual Fee Gold 120.000'”
• “Diketahui bahwa monthly fee limit Rp.10.000.000 adalah Rp.175.000/bulan. Karena Pak Adi tidak melakukan transaksi pada bulan tersebut, maka pada billing tersebut akan muncul keterangan Monthly fee Rp. 175.000, Cash rebate Rp. 175.000, sehingga net monthly fee (yang harus dibayarkan Pak Adi) adalah Rp.0,- — FAQ BSI Hasanah Card, Q9”
• “Dapatkan Welcome Bonus sebesar Rp 50.000,- sejak kartu diaktifkan dan bertransaksi untuk pertama kali — BSI Hasanah Card Gold product page”
• “Welcome bonus Rp.50 ribu (Gold) dan Rp.150.000 (Platinum) dengan transaksi hanya Rp.1,- maksimal dalam 3 bulan sejak kartu disetujui. — FAQ BSI Hasanah Card, Q6(d)”
• “Perisai Plus protection at 0.69% of billing — BSI Hasanah Card Gold product page”
• “Lost Card Replacement Rp 45.000; Permanent Limit Increase Rp 100.000; Cash Withdrawal Rp 50.000 per transaction — BSI Hasanah Card Gold product page fee list”

• Product page
• Schedule of charges