This product is a spending card that accommodates Shariah lifestyle, so that all transaction made by Cardholders is covered with covenants in accordance with Shariah Principles, i.e. Kafalah (guarantee covenant), Qardh (lending and borrowing covenant), Ijarah (leasing covenant) and Sharf (foreign exchange transaction covenant).
Free Annual Fee
Exclusively for CIMB Niaga Syariah Gold cardholders, enjoy free annual fee for life.
Welcome Poin Xtra
Upon your CIMB Niaga Syariah Gold Card application is approved, you will automatically get 1.000 (one thousand) Welcome Poin Xtra, or equal with your retail purchase of IDR 5,000,000
For every retail purchase of IDR 5,000 (five thousand rupiah) will get 1 (one) Poin Xtra. Redeem your Poin Xtra with a range of interesting gifts including Frequent Flyer Miles (KrisFlyer Mileage and Garuda Frequent Flyer), shopping vouchers and other gifts. Click here to see Catalogue.
For every purchase using CIMB Niaga Syariah Gold Card, you will be automatically covered by Purchase Protection and Travel Insurance, Travel Accident Insurance and Travel Inconvenience Insurance
Cash Advance Interest
Monthly Facility Charge
Represent cost for financing service received by customer, which amount will be reduced by Rebate based on facility usage and customer payment
Free for life (Basic Card) IDR 150,000 (Supplement Card)
Cash Advance Fee
Fixed IDR 50,000 per withdrawal
Late Payment Fee
IDR 75.000 for every late payment or payment under minimum amount
Card Replacement Fee
IDR 75,000 per card (Free for first replacement within each membership year)
Copy of Sales Draft Fee
IDR 40,000 per transaction
Card Upgrade Fee
IDR 75,000 per card
Please contact your nearest branch or Phone Banking (021) 14041 for further information. Click here to locate your nearest branch.
Fill in and send your Application Form online. Click here for Application Form online.
Range of age for Basic Card
21-65 years old
Range of age for Supplement Card
17-70 years old
Minimum Income per annum
Copy KTP/Paspor (For WNA only)
Copy of Salary Slip/Original Letter of Income Proof/Copy of SPT PPH 21
Copy of Payroll Account / Saving (3 last month)
Copy of Company Certificate and/or SIUP/ Practice License