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CIMB Niaga Syariah · Islamic window

Syariah Platinum

A higher-limit CIMB Niaga Syariah customer who wants a Platinum-tier Islamic card with no main-card annual fee.

Kafalah + Qard Hasan + IjarahNo annual feeMastercardPlatinum
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.source
Supplementary card
Rp 12,500Charged MONTHLY, not annually — Rp12,500 per month per supplementary card.source
Profit rate
Not publishedSee the shared CIMB Niaga Syariah Kafalah Fee band table on the OCTO Card Syariah entry. DERIVED: 2.625% of card limit per month.
Cash withdrawal
Rp150,000 per withdrawal effective 3 August 2026, up from Rp100,000.
Late payment
Rp 75,000
Replacement card
Rp 100,000

What you get back

Other benefits

  • No annual fee on the main card
  • Minimum monthly payment 5% or Rp50,000, whichever is higher
  • Free card replacement once a year

Before you apply

  • The supplementary-card fee is billed monthly (Rp12,500/month = Rp150,000 a year), not annually — easy to misread against the Gold card's annual figure.
  • Cash advance rose to Rp150,000 per withdrawal on 3 August 2026.

Can you get it?

Other conditions
Not separately published on the pages read; CIMB Niaga's general Syariah card requirements apply.

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: Rp. 12.500 per bulan — Tarif dan Biaya Kartu Syariah, Platinum Syariah column”
  • “Cash Advance ... Rp. 150.000,- per penarikan — Tarif dan Biaya Kartu Syariah, Platinum Syariah column (effective 3 Agustus 2026)”

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, key benefits 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.

Compare with other Indonesian Islamic cards

Bank Mega Syariah

Syariah Card Platinum

1.5% monthly cashback up to Rp1,000,000 in selected countries, plus 20 points per Rp10,000 of retail spend

Annual fee
Rp 600,000
Profit rate
Not published
Minimum income
Rp 10,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Mixed rewards

Full breakdown

Bank Syariah Indonesia

BSI Hasanah Card Platinum

Rp150,000 welcome bonus plus free airport executive lounge access

Annual fee
Rp 600,000
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Cashback

Full breakdown