BSI Hasanah Card Platinum

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, identical to the rest of the Hasanah range. Monthly ujrah set by card limit, netted by cash rebate.

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 600,000Free for the first 2 years, plus 1 further year on registering Smartbill, Smartsadaqah or Perisai Plus. Free for life for BSI Prioritas customers on the main card and one supplementary card.source

Supplementary card

Rp 300,000Annual fee for a supplementary Platinum card.source

Profit rate

Not publishedFlat monthly fee by card limit, per the FAQ fee table: Rp40,000,000 limit = Rp700,000/month; Rp50,000,000 = Rp875,000; Rp75,000,000 = Rp1,312,000; Rp100,000,000 = Rp1,750,000; Rp125,000,000 = Rp2,187,500; Rp900,000,000 = Rp15,750,000. Net monthly fee = monthly fee - cash rebate. DERIVED (not stated by the bank): 1.75% of the card limit at each band.

Cash withdrawal

Rp25,000 per withdrawal per the FAQ PDF, regardless of amount; capped at 20% of the card limit. Note the Gold product page quotes Rp50,000 — BSI's own sources are inconsistent.

Late payment

Rp 0

Over limit

Rp 0

Takaful cover

Perisai Plus optional protection at 0.69% of the billed amount (rate published on the Gold product page).

What you get back

• Welcome bonus of Rp150,000 for Platinum, on a first transaction of as little as Rp1 within 3 months of approval

Other benefits

• Free Executive Lounge access, on both the main card and supplementary cards — Platinum only
• No late-payment penalty and no over-limit penalty
• Blocked at non-halal merchants
• Hajj and Umrah payment plans at 0% for 3-24 months
• Smart Spending, Smartbill, Smart Sadaqah and Smart Fund features

Before you apply

• The published fee table jumps from a Rp125,000,000 limit straight to Rp900,000,000 (Rp15,750,000 a month), so the intermediate bands are not disclosed.
• The monthly fee on a large limit is substantial and accrues whether or not the card is used; it is only neutralised by the cash rebate on settlement.

Can you get it?

Minimum income

Rp 3,000,000 a monthsource

Age

21 to 65

Other conditions

Same stated general requirements as the rest of the range (BSI publishes one requirement set for BSI Hasanah Card, not per tier). Platinum limits start at Rp40 million, so in practice a materially higher income is needed than the stated Rp3 million floor — BSI does not publish a separate Platinum income threshold.

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, Platinum column: 'Limit Kredit 40.000.000 — Monthly Fee 700.000; 50.000.000 — 875.000; 75.000.000 — 1.312.000; 100.000.000 — 1.750.000; 125.000.000 — 2.187.500; 900.000.000 — 15.750.000'”
• “Annual fee table inside the FAQ PDF: 'Basic — Annual Fee Platinum 600.000; Supplement — Annual Fee Platinum 300.000'”
• “Free Executive Lounge untuk kartu Platinum, baik kartu utama maupun kartu tambahan. — FAQ BSI Hasanah Card, Q6(a)”
• “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)”

• Product page
• Schedule of charges