Product & Services
Product & Services
Shar-E Debit Card

Shar-E Debit Priority Card

PRODUCT DETAILS

  1. The Shar-E Priority Debit Card is an ATM/Debit card specifically for priority customers that can be used for transactions at home and abroad..
  2. Enjoy the benefits :
  • Easy transactions and shopping at all Bank Muamalat ATMs, Prima ATMs, and Bersama ATMs, as well as ATMs and merchants with the Visa and Plus logos for international transactions.
  • Various attractive promotions for shopping at merchants.
  • Online Debit/e-Commerce Services
  1. Daily transaction rates and limits:
Card Fee per Month
Cash Withdrawal Limit

Inter-Account Transfer Limits

Interbank Transfer Limits

Shopping Transaction Limit

Card Replacement (Damaged/Lost/Swallowed by Customer) & Paywave Upgrade

Rp7.500

Rp15 million

Rp100 million

Rp50 million

Rp100 million

Rp25.000

  1. Card transaction limits at Muamalat/Bersama/Prima/Link ATMs:

Transaction Channel

Transaction Type

Muamalat

Bersama

Prima

Link

VISA

ATM

Cash withdrawal

Total transactions at all ATMs are Rp15 million (maximum Rp10 million/transaction)

Transfers between Bank Muamalat accounts

Rp100 million

Transfer to another bank account

Rp50 million (maximum Rp25 million/transaction)

Top Up OVO/ Gopay

Rp20 million

Biller Purchase/Payment

Rp2 million

Merchant

Shopping Debit

Rp100 million (maximum Rp100 million/transaction)

  1. Card transaction fees

Transaction Channel

Transaction Type

Muamalat

Bersama

Prima

Link

VISA

(Overseasi)

ATM

Cash withdrawal

Free

Rp7.500

Rp24.000

Transfer to Account Bank Muamalat

Free

Rp6.500

-

Transfer to Account Other Banks

Rp6.500

-

Check balance

Free

Rp4.000

Rp5.000

Salah PIN

Free

Rp3.000

Transaction Failed

(Insufficient Balance)

Free

Rp3.000

Rp2.500

Rp3.000

Rp3.000

Merchant

Shopping Debit

Free

Gratis

Transaction Failed

(Insufficient Balance)

Free

Rp3.000

Debit Online

Transaction Failed

(Insufficient Balance)

-

Rp2.000

BENEFIT

15% Shopping Subsidy in Saudi Arabia

Merchant List

Terms & Conditions/Offer

Period

All merchants in Saudi Arabia

  • 15% shopping subsidy on all shopping transactions in Saudi Arabia, with a maximum subsidy of Rp250,000/card/month.
  • Valid at stores/merchants with the Visa/Plus logo.
  • The shopping subsidy will be refunded (cashback) by BMI to the customer's account the following month.

Unlimited period (product feature)

 

Airport Lounge

  • Effective March 24, 2025.
  • The following are changes to the 100% Cashback terms for Muamalat Priority Customers using Airport Lounge services with collaborating Partners.

 

User Criteria

Maximum Quota

Minimum AUM of Rp500 million

1 Person/Visit, 12 Times/Year

 

  • The user must be a Muamalat Priority customer with an active account (not applicable to companions).
  • The customer must make transactions using the Muamalat Priority Shar-E Debit Card.
  • Airport Lounge service usage is limited to a maximum of 12 times per year.
  • The customer must pay the lounge in full upfront according to the contracted rate with Bank Muamalat.
  • Bank Muamalat will refund the amount (cashback) to the customer's account the following month if the customer's average balance meets the criteria for Airport Lounge service.
  • Cashback payments will be made to the customer no later than the 25th of the following month.