Consumer & Retail Banking

Consumer & Retail Banking
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2026-06-18

Refer a Friend and Earn Rp50.000 with Bank Muamalat's Ajak Teman Hijrah Program

Sharing the benefits of Islamic banking with your family, friends, and colleagues can now be even more rewarding. Through the Ajak Teman Hijrah 2026 Program, Bank Muamalat gives existing customers the opportunity to invite new customers to open an account via the Muamalat DIN app and earn Rp50.000 for every eligible referral.

This referral program is designed for customers who want to introduce Islamic banking services to people around them while receiving additional rewards. The more successful referrals you make, the more rewards you can earn, subject to the program quota and eligibility requirements.

Whether you are recommending Bank Muamalat to a family member, a close friend, or a coworker, Ajak Teman Hijrah offers a simple and rewarding way to share the benefits of banking based on Islamic principles.

What Is the Ajak Teman Hijrah Program?

Ajak Teman Hijrah is Bank Muamalat's referral program that allows Muamalat DIN users to invite prospective customers to open a new account through the Muamalat DIN mobile banking application. Customers can share their unique referral code, referral link, or referral QR code available in the Ajak Teman feature within the app. When a referred customer successfully opens an account and fulfills all program requirements, the referrer will receive a reward of Rp50.000. The program runs from 1 May 2026 to 31 December 2026 and is available for up to 3,000 eligible referrals throughout the campaign period.

Benefits of Joining the Ajak Teman Hijrah Program

1. Earn Rp50.000 for Every Eligible Referral

For every referral that meets all program requirements, you will receive an additional balance of Rp50.000 credited directly to your Bank Muamalat account.

2. Refer More Than One Person

There is no limit to the number of friends you can invite during the program period, as long as the quota remains available and each referral fulfills the eligibility criteria.

3. Convenient Referral Process Through Muamalat DIN

Everything can be done digitally through the Muamalat DIN app. There is no need to visit a branch office or complete additional paperwork.

4. Help Others Begin Their Financial Journey

By introducing Bank Muamalat to your family and friends, you are helping them gain access to banking services that operate in accordance with Islamic principles while supporting their financial goals.

Ajak Teman Hijrah 2026 Program Period

The Ajak Teman Hijrah Program is valid from 1 May 2026-31 December 2026. During this period, customers can share their referral code with prospective customers and receive rewards when all program requirements have been fulfilled.

Who Can Participate?

The program is open to:

Existing Bank Muamalat customers
Registered Muamalat DIN users
Customers who have access to the referral code available in the Ajak Teman feature

The program is not applicable to:

Bank Muamalat employees, including Banking Staff and Non-Banking Staff

How to Join the Ajak Teman Hijrah Program

Participating in the program is simple and only takes a few steps.

1. Open the Ajak Teman Feature in Muamalat DIN

2. Share Your Referral Code

Copy and share your referral code, referral link, or referral QR code with family members, friends, colleagues, or anyone who is not yet a Bank Muamalat customer.

3. Ensure the New Customer Uses Your Referral

The prospective customer must open a new account through Muamalat DIN by:

Using your referral link
Scanning your referral QR code
Entering your referral code correctly during registration

4. Wait for Verification

Once all requirements have been fulfilled, the referral will be verified and processed according to the program terms and conditions.

Referral Eligibility Requirements

Not every referral automatically qualifies for a reward. The referred customer must meet all of the following requirements.

1. Open an Account Through Muamalat DIN

The new customer must complete the account opening process through the Muamalat DIN application.

2. Use the Referral Code Correctly

The customer must use the referral link, QR code, or referral code provided by the referrer during registration.

3. Maintain a Minimum Opening Balance

The account must be opened with a minimum balance of Rp50.000.

4. Make an Initial Deposit

The new customer must make an initial deposit of at least Rp100.000.

5. Complete at Least One Transaction

The customer must perform at least one eligible transaction after the account becomes active.

Please note that transfers between personal accounts or internal book transfers are not considered qualifying transactions for this program.

When Will the Reward Be Credited?

The Rp50.000 reward will be credited to the referrer's account in the month following successful verification of the referral. Rewards will only be distributed while the program quota remains available.

Can I Refer Multiple People?

Yes. Customers may participate multiple times throughout the campaign period.

You can continue referring new customers as long as:

The program is still active
The referral quota has not been exhausted
Each referral fulfills all eligibility requirements

The more successful referrals you generate, the more rewards you can potentially receive.

Important Terms and Conditions

Before participating, please review the following conditions carefully.

1. Not Applicable to Payroll Accounts

The program does not apply to payroll account openings.

2. Not Applicable to Mass Acquisition Programs

The program cannot be used for customer acquisition projects that already have partnership agreements with Bank Muamalat, including:

Debit Card Co-Branding programs
Community-based acquisition programs
Other similar partnership initiatives

3. Cannot Be Combined with Other Promotions

Ajak Teman Hijrah cannot be combined with other ongoing promotional programs offered by Bank Muamalat.

4. Limited Program Quota

The program is limited to 3,000 eligible referrals during the campaign period.

5. Organizer's Decision Is Final

Bank Muamalat reserves the right to amend the program terms and conditions, discontinue the program, or disqualify participants suspected of violating or abusing the program rules.

Tips to Increase Your Chances of Earning Referral Rewards

1. Refer People Who Are New to Bank Muamalat

Focus on individuals who do not currently have a Bank Muamalat account, as only new customers are eligible.

2. Explain the Benefits of Muamalat DIN

Highlight the convenience and features available through Muamalat DIN to encourage prospective customers to complete the account opening process.

3. Remind Them to Use Your Referral Code

Many referrals become ineligible simply because the referral code was entered incorrectly or omitted during registration.

4. Encourage Them to Complete a Transaction

A successful referral requires at least one qualifying transaction after account activation. Reminding the new customer can help ensure the referral remains eligible.

Start Referring Friends and Earn Rewards with Muamalat DIN

The Ajak Teman Hijrah 2026 Program provides an easy and rewarding way for Muamalat DIN users to introduce Bank Muamalat to family members, friends, and colleagues who have not yet become customers.

By simply sharing your referral code and ensuring all eligibility requirements are met, you can earn Rp50.000 for every successful referral.

Open the Muamalat DIN app today, access the Ajak Teman feature, and start sharing your referral code. The more eligible referrals you make, the greater your opportunity to earn rewards while helping others begin their banking journey with Bank Muamalat.

For more information, please contact SalaMuamalat at 1500016.

Refer a Friend and Earn Rp50.000 with Bank Muamalat's Ajak Teman Hijrah Program

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