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Islamic Credit Cards
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Indonesia · 5 cards

CIMB Niaga Syariah Islamic credit cards

Every Shariah-compliant card CIMB Niaga Syariah currently offers, with the contract behind each one and the fee schedule it came from.

Islamic window4 with no annual feeKafalah + Qard Hasan + Ijarah

Who CIMB Niaga Syariah are

An Islamic window: a Shariah-compliant division inside a conventional bank.

The broadest Islamic credit-card range in Indonesia by product count — five cards spanning a digital plastic-free card, Gold, Platinum, a Preferred Visa Infinite and a World Mastercard with air miles. It is also the only Indonesian issuer that attributes the recurring monthly charge to KAFALAH rather than to the Ijarah membership fee, publishing a Kafalah Fee scale by card limit, a Rebate, and a Net Kafalah Fee. Its Kafalah Fee works out at 2.625% of the card limit a month, half again as much as the 1.75% BSI and Bank Mega Syariah charge, though the bank cut the scale on 19 March 2024.

Legal name
Unit Usaha Syariah PT Bank CIMB Niaga Tbk
Parent group
CIMB Group (Malaysia), through PT Bank CIMB Niaga Tbk
Head office
Graha CIMB Niaga, Jl. Jend. Sudirman Kav. 58, Senayan Kebayoran Baru, Jakarta Selatan 12190
Regulator
Otoritas Jasa Keuangan (OJK)
Shariah board
Dewan Pengawas Syariah, Unit Usaha Syariah PT Bank CIMB Niaga Tbk
cimbniaga.co.id/id/syariah-personal

All 5 CIMB Niaga Syariah Islamic credit cards

OCTO Card Syariah

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

Preferred Infinite Syariah

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

Syariah Gold

25 Poin Xtra for every Rp50,000 of retail spend

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

Syariah Platinum

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

World Syariah

Mileage rewards — 'Elevate your journey with Mileage rewards'

Annual fee
Rp 3,000,000
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Air miles

Full breakdown

Other Islamic card issuers in Indonesia

Bank Danamon Syariah0 cardsBank Mega Syariah2 cards · from Rp 240,000Bank Syariah Indonesia3 cards · from Rp 120,000