CIMB Niaga Syariah · Islamic window
OCTO Card Syariah
Someone who wants a fee-free, fully digital Islamic card and will pay in full each month so the Kafalah fee rebates to zero.
- Annual fee
- No annual fee
- Profit rate
- Not published
- Minimum income
- Not published
- Rewards
- Reward points
CIMB Niaga Syariah
OCTO Card Syariah
Read it from the source
What makes this card Islamic
CIMB Niaga 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.
CIMB Niaga Syariah names the same three fatwa contracts, but attributes the recurring monthly charge to KAFALAH rather than to the Ijarah membership fee that BSI and Bank Mega Syariah use. The bank publishes a Kafalah Fee scale by card limit, a Rebate, and a Net Kafalah Fee (Kafalah Fee minus Rebate) which is what appears on the statement. On full payment before the due date the bank states the Rebate equals the whole Kafalah Fee, so the net charge is zero.
Approved by Dewan Pengawas Syariah, Unit Usaha Syariah PT Bank CIMB Niaga Tbk, under the supervision of Otoritas Jasa Keuangan (OJK).
What it costs
Every figure below comes from CIMB Niaga Syariah’s own published documents. Where the bank does not publish a number we say so rather than estimate it.
- Annual fee
- No annual feeBebas Biaya (free) on the main card. This is a digital-first, plastic-optional card.source
- Supplementary card
- Rp 0Bebas Biaya. A physical card, if requested, costs Rp10,000 per month from the 3rd month after the request.source
- Profit rate
- Not publishedNo percentage rate is published. CIMB Niaga Syariah publishes a Kafalah Fee band table by card limit, effective 19 March 2024, common to the whole Syariah card range: limit Rp3,000,000-5,000,000 = Rp78,750-131,250/month; Rp5,000,001-10,000,000 = Rp131,250-262,500; Rp10,000,001-15,000,000 = Rp262,500-393,750; Rp15,000,001-20,000,000 = Rp393,750-525,000; Rp20,000,001-25,000,000 = Rp525,000-656,250; Rp25,000,001-30,000,000 = Rp656,250-787,500; Rp30,000,001-35,000,000 = Rp787,500-918,750; Rp35,000,001-40,000,000 = Rp918,750-1,050,000; Rp40,000,001-45,000,000 = Rp1,050,000-1,181,250; Rp45,000,001-50,000,000 = Rp1,181,250-1,312,500; Rp50,000,001-75,000,000 = Rp1,312,500-1,968,750; Rp75,000,001-100,000,000 = Rp1,968,750-2,625,000; Rp100,000,001-250,000,000 = Rp2,625,000-6,562,500; Rp250,000,001-500,000,000 = Rp6,562,500-13,125,000; Rp500,000,001-750,000,000 = Rp13,125,000-19,687,500; Rp750,000,001-1,000,000,000 = Rp19,687,500-26,250,000. DERIVED (not stated by the bank): this is 2.625% of the card limit — half again as much as the 1.75% BSI and Bank Mega Syariah charge. The bank cut these figures on 19 March 2024; the prior scale was Rp100,000 higher at the bottom bands.
- Cash withdrawal
- Rp100,000 per withdrawal effective 3 August 2026, up from Rp50,000. Not available on the digital-only version of the card.
- Late payment
- Rp 75,000
- Replacement card
- Rp 100,000
What you get back
Other benefits
- Digital-first: no plastic required ('Praktis, Menguntungkan, Tanpa Plastik')
- No annual fee on main or supplementary cards
- Minimum monthly payment of 5% of the total bill, or Rp50,000, whichever is higher
- Ta'widh (late charge) is a flat Rupiah amount, not a percentage — Rp75,000 up to 30 days past due, Rp100,000 beyond
- Free card replacement once a year
Before you apply
- Choosing a physical card costs Rp10,000 a month from the third month — this card is designed to be plastic-free.
- Cash advance is not available on the digital-only version, and the fee doubled to Rp100,000 on 3 August 2026.
- The Kafalah fee scale works out at 2.625% of the card limit per month — materially above BSI's and Bank Mega Syariah's 1.75% — so partial payers pay more here.
Can you get it?
- Other conditions
- CIMB Niaga publishes income and age requirements on the individual card pages; they were captured for Syariah Gold (Rp3 million/month, main cardholder 21-65, supplementary 17-70) but not separately for OCTO Card Syariah.
Where these figures come from
Last checked against CIMB Niaga 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.
- “Iuran Keanggotaan (Ujrah) — Kartu Utama: Bebas Biaya; Kartu Tambahan: Bebas Biaya; Kartu Fisik: Rp. 10.000,- per bulan — Tarif dan Biaya Kartu Syariah, OCTO Card Syariah column”
- “Ketentuan Iuran Keanggotaan (Ujrah) Kartu Fisik hanya berlaku untuk produk OCTO Card Syariah yang mengajukan Kartu Fisik dengan Ujrah berlaku di bulan ke 3 dari tanggal/bulan pengajuan Kartu Fisik.”
- “Efektif tanggal 3 Agustus 2026, terdapat perubahan tarif dan biaya atas transaksi tarik tunai (Cash Advance) ... Sebelum Rp50.000,- per penarikan ... Sesudah Rp100.000,- per penarikan”
- “Ta'widh — DPD ≤ 30 Hari Rp. 75.000,- ; DPD > 30 Hari Rp. 100.000,-”
- “Ta'widh merupakan ganti rugi terhadap biaya-biaya yang dikeluarkan oleh Bank akibat keterlambatan Pemegang Kartu dalam membayar kewajibannya yang telah jatuh tempo atau pembayaran dibukukan setelah tanggal jatuh tempo tagihan.”
- “Minimum Pembayaran: 5% atau Min. Rp. 50.000,-”
- “Dalam hal Pemegang Kartu melakukan pembayaran secara full payment sebelum tanggal jatuh tempo tagihan, maka Bank akan memberikan Rebate sebesar nilai Kafalah Fee yang terbentuk.”
- “Kafalah Fee : Rp. 262.500,- (lihat pada tabel Kafalah Fee) / Rebate : Rp. 262.500,- (apresiasi Bank) / Kafalah Fee - Rebate = Net Kafalah Fee / Rp. 262.500 - Rp. 262.500 = Rp. 0,-”
What we could not verify