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2026-04-10

Kartu Haji Indonesia by Bank Muamalat: An Exclusive Debit Card for a More Comfortable Pilgrimage

Performing Hajj is a once-in-a-lifetime spiritual journey for many Muslims. Every detail matters, including how you manage your finances while in the Holy Land. To support a smoother and more secure experience, Bank Muamalat Indonesia introduces the Kartu Haji Indonesia (KHI), an exclusive debit card designed specifically for selected Hajj pilgrims.

 

More than just a payment tool, this card represents a meaningful part of your spiritual journey. It offers convenience, security, and ease of access to funds, from your departure to your return home.

 

What Is the Kartu Haji Indonesia?

 

The Kartu Haji Indonesia (KHI) is a debit card linked to a savings or current account at Bank Muamalat. It is issued exclusively to customers who are:

  • Departing for Hajj in the current year, or
  • Have previously completed their Hajj pilgrimage

 

The card can be used both domestically and internationally through the Visa network, including seamless transactions in Saudi Arabia during Hajj.

 

Its exclusivity lies in its limited availability. Not every customer can own it. It is reserved for those who have reached an important milestone in their Hajj journey.

 

Exclusive Benefits of the Kartu Haji Indonesia
 
1. Tailored for Hajj Pilgrims

This is not a standard debit card. Every feature is designed to support the specific needs of pilgrims, from daily spending to easy cash access while abroad.

 

2. Global Access via Visa Network

With Visa’s global reach, the card is accepted in:

  • Over 200 countries
  • Millions of international merchants
  • ATMs with Visa/Plus logos worldwide

This ensures you can transact confidently without worrying about limited access.

 

3. Special Benefits in Saudi Arabia

One of the standout advantages is the exclusive financial support during Hajj:

  • 15% shopping cashback in Saudi Arabia (up to Rp300.000 per month)
  • Cash withdrawal subsidy of Rp20.000 (once per overseas ATM use)

These benefits help reduce expenses and enhance comfort during your pilgrimage.

 

4. Enhanced Security with Chip and Contactless Technology

Security is a top priority. The card features:

  • Chip technology for encrypted transactions
  • Contactless payment (tap) for fast and practical use

This reduces the risk of fraud while making transactions quicker and more convenient.

 

5. Easy Cash Withdrawals in Saudi Arabia

Pilgrims can withdraw cash easily, including at ATMs like Al Rajhi Bank, which offer Indonesian-language options. This makes the process more user-friendly and less stressful.

 

6. ZISWAF Donation Feature

The card is integrated with donation features via ZISWAF menus at Bank Muamalat ATMs. This allows you to continue giving, even during your time in the Holy Land.

 

7. A Meaningful Spiritual Identity

Beyond functionality, the Kartu Haji Indonesia also serves as a symbol that you have completed Hajj. It carries emotional and spiritual value that extends beyond financial use.

 

Key Features at a Glance
  • Debit/ATM card linked to Bank Muamalat accounts
  • Global transactions via Visa network
  • Contactless payment capability
  • Secure chip technology
  • Safe online transactions
  • Competitive exchange rates for international use
  • 24-hour customer support through SalaMuamalat
 
Fees and Transaction Limits

The card offers competitive fees and flexible limits:

  • Monthly card fee: Rp5.000
  • Daily cash withdrawal limit: up to Rp15.000.000
  • Transfer within Bank Muamalat: up to Rp100.000.000
  • Interbank transfer: up to Rp50.000.000
  • Shopping transactions: up to Rp100.000.000
 
Who Can Get the Kartu Haji Indonesia?

This card is not available to the general public. It is exclusively issued to:

  • Customers preparing for Hajj departure in the current year
  • Customers who have already completed Hajj

This limited access makes the card more personal and meaningful as part of your spiritual milestone.

 
Frequently Asked Questions (FAQ)

  1. Can the Kartu Haji Indonesia be used internationally?

Yes. It works globally through the Visa network, including full usability in Saudi Arabia.

 

  1. Is the card available to all customers?

No. It is only issued to eligible Hajj pilgrims or those who have completed Hajj.

 

  1. What makes it different from a regular debit card?

In addition to standard features, it offers:

  • Shopping cashback in Saudi Arabia
  • Cash withdrawal subsidy
  • Exclusive identity for Hajj pilgrims
 
  1. Is the card secure?

Yes. It uses chip technology and follows global security standards, including for online transactions.

 

  1. What should I do if the card is lost during Hajj?

Immediately contact SalaMuamalat (24/7 service) or block the card via mobile banking.

 

  1. Can I use the card for donations?

Yes. The card supports ZISWAF donations through Bank Muamalat ATM services.

 

A Smarter Way to Manage Your Hajj Journey

 

The Kartu Haji Indonesia by Bank Muamalat offers more than convenience. It combines practical financial features with exclusive benefits and meaningful spiritual value.

 

For those preparing for their Hajj departure, this card is more than just a payment tool. It serves as a reliable companion, helping you manage your finances with ease so you can focus on a more peaceful and well-organized spiritual journey.

 

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