Tap to Pay and Get Cashback with Bank Muamalat Shar-E Debit Card

Contactless payment has become a convenient way to pay for everyday purchases. Instead of inserting your card into an EDC terminal, you can simply tap your card on a compatible payment terminal to complete the transaction.

For Bank Muamalat customers, contactless payments can also come with an additional benefit. Through the 2026 payWave Transaction Program, eligible customers can receive 5% cashback of up to IDR 50,000 with no minimum transaction amount when paying with a Visa and payWave-enabled Shar-E Debit Card.

The program runs every day from April 1 to December 31, 2026, at merchants and service providers that accept payWave contactless payments, including eligible transactions made overseas.

So, how does Visa payWave work, and how can you earn cashback from Bank Muamalat? Here is everything you need to know.

What Is Visa payWave?

Visa payWave is Visa's contactless payment technology that uses Near Field Communication (NFC) to process payments.

With this technology, cardholders can make payments without inserting their cards into an EDC terminal. Simply tap a Visa and payWave-enabled Shar-E Debit Card on a compatible contactless payment terminal to complete the transaction.

This makes paying for everyday purchases quicker and more convenient, particularly at merchants equipped with contactless payment facilities.

Get 5% Cashback of Up to IDR 50,000 from Bank Muamalat

During the promotional period, eligible Bank Muamalat customers can receive 5% cashback of up to IDR 50,000 on qualifying payWave transactions.

One of the key benefits of this program is that there is no minimum transaction amount. This means you do not need to spend a certain amount in a single transaction to qualify for the program.

The cashback can also be calculated from multiple transactions or accumulated purchases made within the same month. This allows customers to use their Shar-E Debit Card for various eligible payWave payments throughout the promotional period.

What Are the Benefits of Bank Muamalat's payWave Promotion?

The 2026 payWave Transaction Program offers several benefits for eligible Bank Muamalat customers.

5% Cashback of Up to IDR 50,000
Customers can receive 5% cashback of up to IDR 50,000, subject to the applicable program terms and conditions.
No Minimum Transaction Amount

There is no minimum transaction amount required to participate in the promotion. As long as the payment is made using payWave and meets the applicable terms and conditions, the transaction can be counted toward the cashback.
Multiple Transactions Can Be Accumulated Within a Month

The cashback does not have to come from a single transaction. Multiple eligible payWave purchases made within the same month can be accumulated and counted toward the cashback, subject to the program terms and conditions.
No Promotional Quota

The program does not apply a promotional quota. Eligible customers can continue to enjoy the benefit as long as their transactions meet the applicable program requirements.
Available for Domestic and Overseas Transactions

Bank Muamalat's payWave promotion is not limited to transactions made in Indonesia. It is available worldwide at merchants and service providers that accept payWave contactless payments.

This means you can also use your Visa and payWave-enabled Shar-E Debit Card when traveling abroad, provided the merchant accepts payWave payments.

Which Cards Are Eligible for the Bank Muamalat payWave Promotion?

It is important to note that the promotion does not apply to all Bank Muamalat Shar-E Debit Cards.

The 2026 payWave Transaction Program is only available for Shar-E Debit Cards with Visa and payWave functionality.

Before making a contactless payment, check your card to make sure it displays both the Visa and payWave logos.

Where Can You Use Visa payWave?

Visa payWave can be used at merchants and service providers equipped with contactless payment terminals.

Before making a payment, look for the contactless payment symbol on the payment terminal or at the merchant. If contactless payment is available, you can use your Visa and payWave-enabled Shar-E Debit Card to make the payment.

As the program applies worldwide, you can also use your card at overseas merchants that accept payWave transactions.

How to Make a Contactless Payment with Bank Muamalat Shar-E Debit Card

Using payWave is simple and similar to making a regular debit card payment. The main difference is that you do not need to insert your card into the payment terminal.

First, make sure your Shar-E Debit Card has both the Visa and payWave logos. When paying at a merchant that accepts contactless payments, inform the cashier that you would like to pay by card.

Then, tap or hold your card close to the contactless payment terminal and follow the instructions until the transaction is successfully completed.

To qualify for cashback under the 2026 payWave Transaction Program, make sure the transaction is completed during the promotional period and meets all applicable terms and conditions.

When Will You Receive the payWave Cashback?

Cashback is not credited immediately after a transaction.

Under the program terms, eligible cashback will be credited to the customer's savings account no later than the end of the following month after the transaction.

For example, if you make an eligible payWave transaction in August 2026, the cashback will be credited to your savings account no later than the end of September 2026.

Bank Muamalat payWave Promotion Period 2026

The Bank Muamalat 2026 payWave Transaction Program runs from April 1 to December 31, 2026.

The promotion is available every day throughout the program period, giving eligible customers the opportunity to enjoy cashback benefits on qualifying payWave transactions until the end of 2026.

Bank Muamalat payWave Promotion Terms and Conditions

Before making a transaction, here are the key terms and conditions you should know:

The program runs every day from April 1 to December 31, 2026.
The promotion is only available for Shar-E Debit Cards with Visa and payWave functionality.
Eligible customers can receive 5% cashback of up to IDR 50,000, subject to the program terms and conditions.
There is no minimum payWave transaction amount.
Cashback can be calculated from multiple transactions or accumulated purchases made within the same month.
There is no promotional quota.
The promotion applies worldwide at merchants and service providers that accept payWave contactless payments.
Cashback will be credited to the customer's savings account no later than the end of the following month after the eligible transaction.

Make Everyday Payments More Convenient with Shar-E Debit Card

Contactless technology makes everyday payments more convenient by allowing you to simply tap your card at a compatible payment terminal.

For Bank Muamalat customers with a Visa and payWave-enabled Shar-E Debit Card, eligible contactless transactions can also come with additional cashback benefits.

Take advantage of the 2026 payWave Transaction Program and get 5% cashback of up to IDR 50,000 with no minimum transaction amount. The promotion is available every day until December 31, 2026, including at overseas merchants that accept payWave payments.

Before paying, simply look for the contactless payment symbol and use your Bank Muamalat Shar-E Debit Card for a more convenient way to complete your transaction.

For more information about the 2026 payWave Transaction Program, contact SalaMuamalat at 1500016.

Tap to Pay and Get Cashback with Bank Muamalat Shar-E Debit Card

Baca Juga :