PT Bank Syariah Indonesia (Persero) Tbk (BSI) has introduced the BSI Hasanah KKI Card, Indonesia’s first sharia financing card to use the Gerbang Pembayaran Nasional (GPN) network and integrate with BYOND by BSI as a funding source for QRIS transactions (17/08).

The launch is part of BSI’s efforts to support national economic growth through financial management solutions that are secure, convenient, and compliant with sharia principles.

BSI said digital service development is one of its transformation priorities to increase retail customer penetration.

The innovation is designed to make digital transactions more practical and secure while supporting the independence of the national payment system and expanding access to sharia-compliant financing.

Hasanah KKI Card Offers Virtual Financing and 0% Installments

At the initial stage, the Hasanah KKI Card is available as a virtual card without a physical card.

It is positioned as a second card for customers who already have a BSI Hasanah Card Reguler.

Customers can apply for an initial financing limit ranging from Rp4 million to Rp100 million.

The card also offers 0% installments to help customers manage their cash flow while meeting consumption, business, and urgent needs.

BYOND by BSI Connects the Card to QRIS

The Hasanah KKI Card can be used as a funding source for QRIS payments. Through BYOND by BSI, customers can access the virtual card, including its card number and expiration date.

The application also allows customers to monitor their financing limit and bills, review transaction history, and receive real-time transaction notifications.

BSI Retail Banking Director Kemas Erwan Husainy said the card is intended to provide a secure, convenient, and sharia-compliant financing and transaction solution.

“Through Hasanah KKI Card, we want to present a financing and transaction solution that is safe, easy and in accordance with sharia. This sharia financing card is one of BSI's unique selling points, which has a distinctive feature that it can only be used at halal merchants,” he said.

BSI Hasanah Card Transaction Volume Exceeds Rp1 Trillion

The penetration of BSI Hasanah Card has continued to increase. As of July 2026, transaction volume had exceeded Rp1 trillion, with positive year-on-year growth of 5%.

BSI said the innovation is part of its commitment to increasing people’s purchasing power and economic activity.

The use of the card as a funding source for QRIS transactions also creates opportunities for merchants and businesses to receive more transactions.

According to BSI, this can create a multiplier effect for national economic growth and digital payments.

BSI Expands Access to Sharia Financing

BSI said the Hasanah KKI Card is part of its commitment to providing convenient transactions and access to sharia financing for the public.

“We hope this product can help customers manage their financial needs wisely, maintain cash flow, while also supporting national economic growth,” Erwan said.

PHOTO: BSI

This article was created with AI assistance.

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