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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Indonesia · 4 cards

Islamic credit cards with no annual fee in Indonesia

4 of the 10 Islamic credit cards on sale in Indonesia have a published annual fee of zero. Use this list to see which ones, then check the profit rate and the conditions before you apply.

How this list is built

Which cards are included
The bank's published annual fee for the main card is zero. Some banks attach a condition to that, such as a spending target from the second year. Where the bank states one, it is printed under the fee.
The order
Alphabetical by bank, then by card name. Every card here has a published annual fee of zero, so there is no fee to rank them by. Check any condition printed under a fee: some are free only in the first year, or only if you spend a set amount.
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.

The 4 cards at a glance

CardAnnual feeProfit rateMinimum incomeRewards
OCTO Card SyariahCIMB Niaga SyariahNo annual feeNot publishedNot publishedReward points
Preferred Infinite SyariahCIMB Niaga SyariahNo annual feeNot publishedNot publishedReward points
Syariah GoldCIMB Niaga SyariahNo annual feeNot publishedRp 3,000,000 a monthReward points
Syariah PlatinumCIMB Niaga SyariahNo annual feeNot publishedNot publishedReward points

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

OCTO Card Syariah

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

CIMB Niaga Syariah

Preferred Infinite Syariah

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

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

CIMB Niaga Syariah

Syariah Platinum

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Kafalah + Qard Hasan + Ijarah
Reward points

Full breakdown

Other ways to filter cards in Indonesia

Lowest minimum income6 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.