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CIMB Niaga Syariah · Islamic window

Preferred Infinite Syariah

CIMB Niaga Preferred customers who want their premium card to be Shariah-compliant without paying an Infinite-tier annual fee.

Kafalah + Qard Hasan + IjarahNo annual feeVisaInfinite
Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Rewards
Reward points

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.

Same three fatwa contracts; recurring charge is the Kafalah Fee net of Rebate.

How Kafalah worksIs a credit card halal?

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 on the main card. This is the invitation-tier card for CIMB Niaga Preferred customers.source
Supplementary card
Rp 0Bebas Biaya.source
Profit rate
Not publishedSee the shared CIMB Niaga Syariah Kafalah Fee band table on the OCTO Card Syariah entry, which runs up to a Rp1,000,000,000 limit (Kafalah Fee Rp19,687,500-26,250,000 a month). DERIVED: 2.625% of card limit per month.
Cash withdrawal
Rp100,000 per withdrawal.
Late payment
Rp 75,000
Replacement card
Rp 200,000

What you get back

Other benefits

  • No annual fee on either the main or supplementary card, unusual at Infinite tier
  • The only Visa card in CIMB Niaga's Syariah range — the rest are Mastercard
  • Minimum monthly payment 5% or Rp100,000, whichever is higher
  • Free card replacement once a year

Before you apply

  • The second and subsequent card replacements in a year cost Rp200,000, double the Gold/Platinum rate.
  • The minimum payment floor is Rp100,000, higher than the Rp50,000 on the lower tiers.

Can you get it?

Other conditions
A CIMB Niaga Preferred-segment card ('I Prefer A Rewarding Sharia Way Of Life'); the bank does not publish a standalone income threshold on the pages read.

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.

  • “Preferred Visa — Infinite (PVI) Syariah — Tarif dan Biaya Kartu Syariah, network row”
  • “Iuran Keanggotaan (Ujrah) — Kartu Utama: Bebas Biaya; Kartu Tambahan: Bebas Biaya — Tarif dan Biaya Kartu Syariah, Infinite (PVI) Syariah column”
  • “Minimum Pembayaran: 5% atau Min. Rp. 100.000,- — Tarif dan Biaya Kartu Syariah, Infinite (PVI) Syariah column”
  • “Penggantian Ke 2 dst: Rp. 200.000,- — Tarif dan Biaya Kartu Syariah, Infinite (PVI) Syariah column”

What we could not verify

CIMB Niaga Syariah does not publish minimum income, minimum age, maximum age, monthly profit rate, annual profit rate, foreign currency markup, over-limit fee, reward detail, documents required, apply, takaful cover, shariah certificate for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.