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About Muamalat
About Muamalat
News
2026-04-30

Program Ajak Teman Hijrah 2026

Delivery Channel

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Muamalat DIN (Bank Muamalat Mobile Banking Application)

Promo Name

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Invite Your Friends to Hijrah

Promo Period

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May 1 – December 31, 2026

Description

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Ajak Teman Hijrah is a customer referral program for New Customer account opening through the Muamalat DIN channel using a referral code available in the “Ajak Teman” feature, which can be shared with colleagues, family members, or relations who are not yet Bank Muamalat customers.

Reward Type

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Additional account balance of IDR 50,000 per eligible acquisition.

Program Participants

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Individuals (Muamalat DIN Users), excluding Bank Muamalat employees (Banking and Non-Banking Staff).

Terms & Conditions

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  1. Every Muamalat DIN user is eligible to become a referrer by using the referral code available in the Muamalat DIN application.
  2. New Customers (New to Bank/NTB) must open an account through Muamalat DIN using the referral link/QR code provided through the Refer a Friend feature or by correctly entering the referral code.
  3. NTB is required to open an account with a minimum balance of IDR 50,000.
  4. NTB is required to make an initial deposit of at least IDR 100,000.
  5. NTB acquired by Individuals (Muamalat DIN Users) must perform at least 1 transaction (not valid for transfers between accounts).
  6. Rewards in the form of additional balance will be credited to the customer’s account in the following month, subject to quota availability.
  7. A total quota of 3,000 is available.
  8. Invite your friends to give a 5-star rating to Muamalat DIN on the App Store, Google Play Store, and AppGallery.
  9. This program is not applicable for payroll accounts and mass acquisition projects that already have cooperation agreements (PKS) with BMI, such as Debit Card Co-Branding, Communities, and other similar programs.
  10. This program cannot be combined with any other ongoing programs.
  11. The organizer, at its sole discretion, reserves the right to change the terms and conditions of the program, terminate the program, or disqualify participants who do not meet the requirements or are suspected of fraud or abuse of the program terms.
  12. The organizer’s decision is final and cannot be contested.

Information/Help

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SalaMuamalat 1500016

 

FAQ 

Q

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What is the Ajak Teman Hijrah Program?

Ajak Teman Hijrah is a referral program where existing Muamalat DIN users invite new customers to open an account via Muamalat DIN (MDIN) using a referral code.

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When is the Promo Periode?

The program runs from May 1 – December 31, 2026.

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Who can participate in this program?

This program is applicable to individual users (Muamalat DIN users), excluding Bank Muamalat employees (Banking and Non-Banking Staff).

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What rewards are offered in this program?

Referrers will receive an additional balance reward of IDR 50,000 for each eligible referral.

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How can I participate in this program?

Access the “Ajak Teman” feature in the Muamalat DIN application.
Share your referral code with prospective new customers.
Ensure the new customer opens an account using the referral code.

Q

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What are the requirements for a referral to be considered valid (eligible)?

The new customer (NTB) opens an account through Muamalat DIN.
Uses the referral code correctly.
Makes an initial deposit of at least IDR 100,000.
Performs at least 1 (one) transaction, excluding internal transfers.

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When will the reward be received?

The reward will be credited to customer’s account in the following month, subject to quota availability.
 

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Is this program applicable to all account types?

No. This program does not apply to:

Payroll accounts.
Mass acquisition projects that already have cooperation agreements (PKS) with Bank Muamalat (such as Co-Branding, communities, and similar programs).
 

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Can this program be combined with other promotions?

No. This program cannot be combined with other ongoing programs or promotions.
 

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Can the program be used more than once?

Yes. During the program period and while the quota is still available, users may make referrals multiple times.

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