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PRODUCT DETAILS
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What is RTJH?
Saving account in IDR with wadiah contract for those who already have the Hajj portion funds. The account could be used for transaction using Muamalat DIN and Shar-E Debit card.
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Akad
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Wadiah
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Nisbah
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No
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ATM/Debit Card Facility
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Visa
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Initial Deposits
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Rp 25.000.000,-
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Minimum balance
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Rp 100.000,-
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Passbook Replacement Fee
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Rp 25.000,-
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SMS OTP Debit Online Fee
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Rp 700,-/sms
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SMS Notification Fee
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Rp 700,-/sms
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Email Notification Fee
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Free
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Monthly Administration Fee
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Free
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How about Product Features and Fee?
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BENEFITS
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- Free monthly administration fee
- Affordable initial deposits
- SharE Debit Card & Online Debit (VISA) with various benefit shopping discount
- e-Banking Facility (Muamalat Digital Islamic Network/MDIN & Internet Banking)
- Online Open Account via Muamalat Digital Islamic Network (MDIN) for existing customer
- Benefit Shar-e Debit in Saudi Arabia
- Free transaction fee (5x get 5x) only via MDIN
Eligible transaction only for realtime transfer/BI-Fast, payment (Telkom and PLN) and e-wallet top up
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REQUIREMENTS
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- ID Cards (KTP) / Driving License (SIM) / PASSPORT
- NPWP
- Documents for Hajj portion
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Free Transaction Fee Benefit
Free*) 5x transaction fees only for customers who have active account(s) in Tabungan iB Hijrah, Tabungan iB Hijrah Payroll and RTJH, after minimum 5x transactions performed within a month.
*) Program Details:
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Benefit
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Free 5x transaction fees within a month
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Eligible for product
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Tabungan iB Hijrah, Tabungan IB Hijrah Payroll and RTJH
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Terms & Condition
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- Minimum 5x transactions in 1 month as the requirement
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- Realtime transfer/BI-Fast, Payment (PLN andTelkom) and Top up e-wallet (Shopee, Dana, Gopay, Link Aja) specifically via MDIN
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- Only for MDIN registered customers
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- Benefit will be credited to customers account by reimburse system max. on 15th on the following month.
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Benefit Simulation
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Trx Date
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Trx
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Sum of Trx
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Order of Trx
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Benefit Structure
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1-15 Agt
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Realtime Transfer
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3x
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1 - 3
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Based on T&C Program:
a. Customers have transacted > 5x
b. Subsidies apply to the next 5 transactions only BI-Fast
So in September, customers will get a BI-Fast transaction subsidy in August of 3 x IDR 2,500,- i.e. IDR 7,500,-
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15-16 Agt
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Top Up Gopay
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4x
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4 - 7
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17 Agt
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PLN bill
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1x
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8
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25 Agt
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BI Fast
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3x
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9 - 11
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