Syariah Gold

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. The recurring monthly charge is the Kafalah Fee (set by card limit), reduced by a Rebate; on full payment before the due date the Rebate equals the whole fee, so the Net Kafalah Fee 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 iuran tahunan on the main card.source

Supplementary card

Rp 150,000Rp150,000 per year. Free in year 1; free in later years if the main cardholder keeps the credit protector, otherwise Rp150,000.source

Profit rate

Not publishedSee the shared CIMB Niaga Syariah Kafalah Fee band table (effective 19 March 2024) recorded on the OCTO Card Syariah entry: e.g. a Rp10,000,000 limit carries a Kafalah Fee of Rp262,500 a month. DERIVED (not stated by the bank): 2.625% of the card limit.

Cash withdrawal

Rp125,000 per withdrawal effective 3 August 2026, up from Rp50,000.

Late payment

Rp 75,000

Replacement card

Rp 100,000

Takaful cover

Credit protector available; keeping it waives the supplementary-card annual fee.

What you get back

• Every retail transaction in multiples of Rp50,000 earns 25 Poin Xtra, redeemable against retail payments and bill payments

Other benefits

• No annual fee on the main card, for life
• Retail transactions of Rp500,000 or more can be converted to fixed instalments, up to 60 months
• Competitive FX rates on overseas purchases and cash withdrawals
• Free card replacement once a year
• Minimum monthly payment of 5% or Rp50,000, whichever is higher

Before you apply

• Cash advance rose from Rp50,000 to Rp125,000 per withdrawal on 3 August 2026.
• The Kafalah fee scale is 2.625% of the card limit per month — carrying a balance here costs more than at BSI or Bank Mega Syariah.
• The supplementary-card fee is only waived while the main cardholder retains the credit protector.

Can you get it?

Minimum income

Rp 3,000,000 a monthsource

Age

21 to 65

Other conditions

Main cardholder 21-65; supplementary cardholder 17-70. Minimum income Rp3 million a month / Rp36 million a year.

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.

• “Minimal Penghasilan Rp 3 juta per bulan / 36 juta per tahun — CIMB Niaga Syariah Gold product page”
• “Setiap transaksi ritel kelipatan Rp. 50.000,- (lima puluh ribu rupiah) akan memperoleh 25 (dua puluh lima) Poin Xtra — CIMB Niaga Syariah Gold product page”
• “Iuran Keanggotaan (Ujrah) — Kartu Utama: Bebas Biaya; Kartu Tambahan: Rp. 150.000,- per tahun — Tarif dan Biaya Kartu Syariah, Syariah Gold column”
• “Cash Advance ... Syariah Gold Rp. 125.000,- per penarikan — Tarif dan Biaya Kartu Syariah (effective 3 Agustus 2026)”

• Product page
• Schedule of charges
• Terms and conditions