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Islamic Credit Cards
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Indonesia · 6 cards

Islamic credit cards with the lowest minimum income in Indonesia

If your income is modest, start here. 6 of the 10 cards on sale in Indonesia publish a minimum income, and all 6 are listed below, lowest first.

How this list is built

Which cards are included
The 12 cards with the lowest minimum monthly income the bank publishes, plus any card tied with the 12th. Cards that publish no minimum income are left out, because we will not guess one.
The order
Lowest minimum monthly income first, then lowest annual fee, then alphabetical by bank and card name.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

4 cards are left out because the bank publishes no minimum income

Of the 10 cards on sale in Indonesia, 4 do not have a published minimum income, so they cannot be placed in this order. That does not mean they have a high one. Ask the bank.

The 6 cards at a glance

CardMinimum incomeAnnual feeProfit rateRewards
Syariah GoldCIMB Niaga SyariahRp 3,000,000 a monthNo annual feeNot publishedReward points
BSI Hasanah Card ClassicBank Syariah IndonesiaRp 3,000,000 a monthRp 120,000Not publishedNone
BSI Hasanah Card GoldBank Syariah IndonesiaRp 3,000,000 a monthRp 240,000Not publishedCashback
BSI Hasanah Card PlatinumBank Syariah IndonesiaRp 3,000,000 a monthRp 600,000Not publishedCashback
Syariah Card GoldBank Mega SyariahRp 5,000,000 a monthRp 240,000Not publishedMixed rewards
Syariah Card PlatinumBank Mega SyariahRp 10,000,000 a monthRp 600,000Not publishedMixed rewards

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

CIMB Niaga Syariah

Syariah Gold

25 Poin Xtra for every Rp50,000 of retail spend

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

Bank Syariah Indonesia

BSI Hasanah Card Classic

Annual fee
Rp 120,000
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah

Full breakdown

Bank Syariah Indonesia

BSI Hasanah Card Gold

Rp50,000 welcome bonus on first activation and transaction

Annual fee
Rp 240,000
Profit rate
Not published
Minimum income
Rp 3,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Cashback

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

Bank Mega Syariah

Syariah Card Gold

1.5% monthly cashback up to Rp500,000 in selected countries, plus 10 points per Rp10,000 of retail spend

Annual fee
Rp 240,000
Profit rate
Not published
Minimum income
Rp 5,000,000 a month
Structure
Kafalah + Qard Hasan + Ijarah
Mixed rewards

Full breakdown

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

Other ways to filter cards in Indonesia

No annual fee4 cards

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in Indonesia, with the issuers and the contracts they use.