Find the Right Shar-E Debit Card for Your Needs

Everyone has different financial goals and spending habits. Some people focus on day-to-day convenience, while others want something that aligns with their values or lifestyle. That’s why Bank Muamalat offers several types of Shar-E Debit Cards, designed to match your priorities—whether for daily use, travel, worship, or premium banking needs.

If you’re looking for the one that fits you best, here’s a complete guide to each Shar-E Debit Card, including their key features and benefits.

1. Shar-E Debit 1HRAM

The Shar-E Debit 1HRAM is made for those who want easy transactions while keeping their finances aligned with sharia principles. It combines a modern design with broad access through ATM Muamalat, ATM Bersama, ATM Prima, and the Visa/Plus network for international use.

You can make online purchases, withdraw cash, and pay using the contactless tap feature safely and instantly. Since it’s directly linked to your account, every transaction remains transparent and in line with Islamic banking values.

Daily Transaction Limits:

Cash Withdrawal: Rp15.000.000
Transfer (Muamalat to Muamalat): Rp100.000.000
Interbank Transfer: Rp50.000.000
Purchase Limit: Rp100.000.000
Monthly Fee: Rp5.000
Card Replacement / Paywave Upgrade: Rp25.000

This card suits those who make frequent transactions and prefer a balance between modern convenience and peace of mind.

2. Shar-E Debit Classic

If you need a card for everyday use, the Shar-E Debit Classic is a practical choice. It offers simple yet reliable access for domestic and international transactions via ATMs, EDCs, and online platforms.

With a clean and elegant design, it’s perfect for young professionals who want ease without complications. Supported by both Visa and GPN networks, you can withdraw, transfer, and shop securely anywhere.

Daily Transaction Limits:

Cash Withdrawal: Rp10.000.000
Transfer (Muamalat to Muamalat): Rp50.000.000
Interbank Transfer: Rp25.000.000
Purchase Limit: Rp25.000.000
Monthly Fee: Rp3.000
Card Replacement / Paywave Upgrade: Rp25.000

A dependable companion for daily transactions, combining simplicity, security, and flexibility.

3. Shar-E Debit Reguler GPN

For those who mainly transact within Indonesia, the Shar-E Debit Reguler GPN offers efficiency and cost savings through the Gerbang Pembayaran Nasional (GPN) network.

This card helps reduce transaction fees, especially for local purchases, while maintaining quick access to cash and transfers through ATM Bersama and ATM Prima networks.

Daily Transaction Limits:

Cash Withdrawal: Rp5.000.000
Transfer (Muamalat to Muamalat): Rp25.000.000
Interbank Transfer: Rp10.000.000
Purchase Limit: Rp25.000.000
Monthly Fee: Rp3.000
Card Replacement / Paywave Upgrade: Rp25.000

A smart option for efficient, low-cost transactions across Indonesia—ideal for personal, family, or small business needs.

4. Kartu Haji Indonesia (KHI)

The Kartu Haji Indonesia (KHI) is specially designed for prospective or returning pilgrims. It serves as both a payment tool and a reliable financial companion during your journey to the Holy Land.

You can use it across ATM and EDC networks in Saudi Arabia, including Al Rajhi Bank ATMs with an Indonesian-language option. The card also supports ZISWAF donations directly through Bank Muamalat ATMs.

Daily Transaction Limits:

Cash Withdrawal: Rp15.000.000
Transfer (Muamalat to Muamalat): Rp100.000.000
Interbank Transfer: Rp50.000.000
Purchase Limit: Rp100.000.000
Monthly Fee: Rp5.000
Card Replacement / Paywave Upgrade: Rp25.000

Bank Muamalat provides subsidized withdrawal and shopping fees in Saudi Arabia, making transactions easier during your pilgrimage so you can focus fully on your worship.

5. Shar-E Debit Prioritas

Created exclusively for Muamalat Prioritas customers, the Shar-E Debit Prioritas offers global access, premium benefits, and a reflection of a refined lifestyle.

With Visa/Plus network access, high transaction limits, and extra perks like a 15% shopping subsidy in Saudi Arabia and airport lounge access up to 12 times a year, this card brings more comfort to your financial journey.

Daily Transaction Limits:

Cash Withdrawal: Rp15.000.000
Transfer (Muamalat to Muamalat): Rp100.000.000
Interbank Transfer: Rp50.000.000
Purchase Limit: Rp100.000.000
Monthly Fee: Rp7.500
Card Replacement / Paywave Upgrade: Rp25.000

It’s the ideal choice for those who value convenience, prestige, and a sense of ease wherever they go.

Choose the One That Fits You Best

From simple cards to exclusive ones, Bank Muamalat offers a variety of Shar-E Debit options for every lifestyle. Start with the 1HRAM Card if you’re looking for a simpler way to make transactions anytime and anywhere. Classic and GPN are great for daily use, Kartu Haji Indonesia supports your pilgrimage needs, while Shar-E Debit Prioritas delivers a premium banking experience.

Whichever you choose, you’ll enjoy a combination of convenience, security, and spiritual value in every transaction supported by Bank Muamalat’s strong network and trusted sharia principles.

Find the Right Shar-E Debit Card for Your Needs

1. Shar-E Debit 1HRAM

2. Shar-E Debit Classic

3. Shar-E Debit Reguler GPN

4. Kartu Haji Indonesia (KHI)

5. Shar-E Debit Prioritas

Choose the One That Fits You Best

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