Skip to content
Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

CIMB Niaga Syariah · Islamic window

World Syariah

Mileage rewards — 'Elevate your journey with Mileage rewards'

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

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
Rp 3,000,000Rp3 million a year — the ONLY card in CIMB Niaga's Syariah range that charges a main-card annual fee, and the highest published Islamic-card annual fee in Indonesia.source
Supplementary card
Rp 1,500,000Rp1.5 million a year 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
Rp175,000 per withdrawal effective 3 August 2026, up from Rp135,000 — the highest in the Indonesian Islamic-card market.
Late payment
Rp 75,000
Replacement card
Rp 200,000

What you get back

Other benefits

  • The only Indonesian Islamic credit card with an air-miles proposition
  • World Mastercard tier
  • Minimum monthly payment 5% or Rp100,000, whichever is higher

Before you apply

  • Rp3 million a year on the main card and Rp1.5 million on each supplementary — no waiver is published.
  • Cash advance is Rp175,000 per withdrawal, the most expensive Islamic-card cash advance found in Indonesia.
  • The miles earn rate is not published on the pages read — verify before applying.

Can you get it?

Other conditions
Not published 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.

  • “Iuran Keanggotaan (Ujrah) — Kartu Utama: Rp. 3 Juta per tahun; Kartu Tambahan: Rp. 1,5 Juta per tahun — Tarif dan Biaya Kartu Syariah, World Syariah column”
  • “Cash Advance ... Sebelum Rp135.000,- per penarikan ... Sesudah Rp175.000,- per penarikan — Tarif dan Biaya Kartu Syariah (effective 3 Agustus 2026)”
  • “World Syariah — Elevate your journey with Mileage rewards — Kartu Syariah landing page”

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, reward caps, 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.