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CIMB NIAGA GOLD SYARIAH MASTERCARD

KARTU PEMBELANJAAN UNTUK GAYA HIDUP SYARIAH ANDA




Shariah Principles

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.


Poin Xtra

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.

 

Retail Interest
 
 

N/A

 
 

Cash Advance Interest
 
  

N/A

 
  
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

 
 

Annual Fee
 
 

Free for life (Basic Card)
IDR 150,000 (Supplement Card)

 
 

Cash Advance Fee
 
 

Fixed IDR 50,000 per withdrawal

 
 

Late Payment Fee
 
  
N/A

 
  
Ta'widh Fee
 
 

IDR 75.000 for every late payment or payment under minimum amount

 
 

Overlimit Fee
 
 

IDR 100,000

 
 

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.

 
 
General Requirement  
Range of age for Basic Card 21-65 years old
Range of age for Supplement Card 17-70 years old
Minimum Income per annum Rp 36.000.000

 
 
General Requirement
Employee
Business Owner
Professional
Foreigners
Supplement Card
Copy KTP/Paspor (For WNA only)VVVVV
Copy of Salary Slip/Original Letter of Income Proof/Copy of SPT PPH 21V  V 
Copy of Payroll Account / Saving (3 last month)
 VV  
Copy of Company Certificate and/or SIUP/ Practice License VV  
Personal / Company Guarantee   V 
Copy of KITAS / KITAP   V 
Copy of NPWP (credit limit > Rp 50 mio) VVVV 

 
 
Contact Us
Phone Banking 14041
For All Cards
Priority Service 021 5005 88
For World Mastercard
and Visa Infinite
Email 14041@cimbniaga.co.id
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