Start Your Umrah Journey Now with Our Easy Payment Plan
Embarking on the spiritual journey to perform Umrah is a cherished dream for many, and we are here to make it more accessible and stress-free. Understanding the financial challenges that may accompany this important pilgrimage, we have created a flexible and convenient Easy Payment Plan (EPP). Our fully Shariah-compliant financing option ensures that you can focus on your spiritual experience while managing the costs in a way that aligns with your financial commitment. Fulfill your religious duties with ease and start your spiritual journey today with our Umrah Easy Payment Plan. Begin your journey now.
How It Works
Step 1: Customise your Umrah Package(optional)
Step 2: Apply & Get Approved(optional)
Step 3: Pay Monthly(optional)
*Approval is subject to T&C.
Why Choose Our Easy Umrah Plan?
Shariah Compliant:
Our Easy Payment Plan (EPP) strictly adheres to Shariah principles, ensuring a halal financing option for your Umrah journey.
Trusted Partners:
Collaboration with Citaglobal Capital ensures security and reliability throughout the entire financing process.
Convenience:
Begin your Umrah journey and easily manage your finances with our easy payment plan.
Affordable Processing Fee:
Enjoy a one-time processing fee to start your Umrah journey.
Flexible Payment Options:
Select a payment tenure that fits your budget, ranging from 12 to 24 months.*
Shariah Compliance
What is a Musawwamah Contract?
1446H EPP Umrah Packages
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Payment Plan Example
Our Easy Payment Plan makes your Umrah journey financially manageable. Below, you'll find a guide on pricing and payment breakdown, explaining the factors that influence the cost and how you can spread payments over time. With clear terms and a transparent fee structure, you can embark on your spiritual journey confidently, knowing all financial aspects are Shariah-compliant.
Package Details
The package example below illustrates the main elements of an IKHLAS Umrah package which you would have to choose to calculate your total.
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Payment Terms
The repayment duration determines your monthly repayment instalment. Below is an example our Easy Umrah Finance works.
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Minimum Qualifying Requirement
Who is eligible for Umrah EPP?
- Malaysia Citizen
- Age: 25-55 years old
- Minimum gross annual income: RM 30,000 per annum
- Employment (confirmed employee; minimum 1 year with current company)
- Monthly salary must be credited to a bank account
Documents Required:
- Signed Application Form
- NRIC
- Latest employment confirmation letter
- Latest 3 months payslips and bank statements of your salary crediting account
- Latest utility bill of your current residence
- Latest EPF statement
- Latest SSM (if business owner)
- Signed Credit Check Consent
Our Commitment to Your Financial Well-being
While our Easy Payment Plan can make your Umrah journey more accessible, we urge you to consider the seriousness of debt in Islam.
The Prophet Muhammad (peace be upon him)
sought refuge from heavy debt:
"O Allah, I seek refuge with You from sin and heavy debt."(Narrated by al-Bukhaari and Muslim).
Before applying for our payment plan, please carefully assess your financial situation and ensure you can manage the repayments comfortably. Avoid unnecessary debt to maintain your financial stability and peace of mind.
Who are we?
Ikhlas Com Travel & Umrah Sdn Bhd
Ikhlas Com Travel & Umrah Sdn Bhd
(KPK/LN License No: 4461)
200501033077 (715217-T)
IKHLAS.com is a brand new line of business under airasia aims to support Muslim communities around the world by providing unparalleled access to faith-based practices. This includes religious obligations such as Umrah, Qurban and Shariah-compliant lifestyle choices.
8.01, The AmpWalk, 8th Floor, South Block 218 Jalan Ampang,
50450, Kuala Lumpur, WP Kuala Lumpur
Citaglobal Capital Sdn Bhd
[200701025683] (783704-V)
KPKT License: WL7346/14/01-3/100226
Licence Validity: 11/02/2024 – 10/02/2026
Shariah License Validity: 01/04/2024 – 31/03/2025
Citaglobal Capital Sdn Bhd ("CG Capital"), a wholly-owned subsidiary of Citaglobal Berhad, offers conventional and Shariah-compliant financial products. Incorporated on August 7, 2007, CG Capital operates under the Moneylenders Act 1951 (Revised 1989) regulated by the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan, KPKT) and Shariah financing law regulated by the Shariah Advisory Council (SAC).
Level 5 Block 4, Plaza Sentral, Jalan Stesen Sentral 5, 50470 W.P Kuala Lumpur.
- [email protected]
- Tel: +(60)3 2773 8800
- Fax: +(60)3 2773 8878
Frequently Asked Questions
Umrah Easy Payment Plan (EPP)
What is the Umrah Easy Payment Plan (EPP) and how does it work?
The Umrah Easy Payment Plan (EPP) is a deferred payment option designed to assist Muslims in performing Umrah without the immediate need for a large sum of money.
Upon approval of your EPP application, CG Capital will purchase your chosen travel package from IKHLAS on your behalf. They will then sell it to you through a Musawwamah contract, which involves mutually agreed payment terms. You will repay CG Capital through monthly instalments, spread over a tenure of 12 to 24 months, directly from your salary crediting account.
Which entity serves as the finance provider for the Umrah EPP?
Citaglobal Capital Sdn Bhd is the finance provider for the Umrah EPP.
CG Capital, a wholly-owned subsidiary of Citaglobal Berhad, offers both conventional and Shariah-compliant financial products for individuals and businesses. Incorporated on August 7, 2007, CG Capital operates under the Moneylenders Act 1951 (Revised 1989), regulated by the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan, KPKT), and Shariah financing law, regulated by the Shariah Advisory Council (SAC).
Is this Umrah EPP Shariah-compliant?
Yes. This EPP is Shariah-compliant, adhering to the Musawwamah contract. It has received Shariah compliance certificate since April 2024.
Are there any additional fees associated with applying for the Umrah EPP?
What payment methods are accepted for the Umrah EPP?
How long is the financing processing period?
The finance processing period for your Umrah EPP application is approximately three (3) working days from the receipt of all your required documents.
How do I know the status of my Umrah EPP application?
You will receive email notifications with updates on the status of your Umrah EPP application.
When do I start my Umrah EPP repayment?
The first Monthly EPP Instalment shall commence on the date stated in the EPP Sale Contract's Payment Schedule, which is thirty (30) days from the complete execution of the EPP Sale Contract.
What happens if I miss a payment?
In the event of a default on any overdue payment during the EPP tenure, a late payment charge of 10% per annum will be applied, accruing from the day after the due date until the payment is settled in full.
Can I make an early partial or full settlement of my Umrah EPP?
No partial prepayment or settlement is allowed. However, you can make an early full settlement. To discuss next steps, please contact CG Capital Customer Service team via hotline or email at:
WhatsApp: +6012-819 7823
Email: [email protected]
Eligibility for EPP
Who is eligible for the Umrah EPP?
- Malaysia Citizen
- Age: 25-55 years old
- Minimum gross annual income of not less than RM 30,000 per annum
- Employment (confirmed employee; minimum 1 year with current company)
- Monthly salary must be credited to a bank account
Can I apply for the Umrah EPP if I'm not a traveller?
No, you must be the traveller or one of the travellers included in the purchased package to apply for the Umrah EPP.
What documents are required to apply for Umrah EPP?
Documents required to start Umrah EPP Application:
- NRIC
- Latest employment confirmation letter
- Latest 3 months payslips and bank statements of your salary crediting account
- Latest utility bill of your current residence
- Latest EPF statement
- Latest SSM (if business owner)
- Signed Application Form
- Signed Credit Check Consent
These documents must be duly submitted online to CG Capital during the EPP application process.
Can I combine my income with family members to apply for the Umrah EPP?
The credit assessment is generally only for the individual applying for the EPP. Additional documents may be required for any additional applicants. Please contact and consult the CG Capital Customer Service team via hotline or email at:
WhatsApp: +6012-819 7823
Email: [email protected]
Amendments / Cancellation
Can I change the instalment tenure of my Umrah EPP?
No, the instalment tenure of your Umrah EPP cannot be changed once your application is approved.
Can I change my umrah package after EPP approval?
- Yes, you can upgrade your package post-EPP approval. Please contact IKHLAS Umrah via WhatsApp hotline or email to check package availability and request an upgrade. You will need to pay IKHLAS the price difference in full directly, and your EPP remains unchanged.
Hotline: +6010-524 6864
Email: [email protected] - No, you cannot downgrade your package after your EPP application is approval.
Can I transfer my Umrah EPP package to another party?
No, the person who applied for the EPP must be one of the travellers in the Umrah package.
In the event of death of one of the travellers, can I request a refund for the whole group?
You must contact IKHLAS Umrah via WhatsApp hotline or email to inform your intent to cancel the tour booking. Refunds on deposits paid are subject to approval.
IKHLAS Umrah contact details are as follows:
Hotline: +6010-524 6864
Email: [email protected].
How can I cancel my Umrah travel booking and the approved EPP plan?
To cancel your Umrah travel booking and the approved EPP, you must provide a written or email notice to CG Capital and IKHLAS at least sixty (60) days prior to the departure date to avoid any miscommunication. Telephone cancellations are not accepted. For more information, please refer to the EPP Terms & Conditions.
Contact Details
Who should I contact if I have further queries regarding the Umrah Easy Payment Plan (EPP) or the travel packages?
For more information:-
Related to Umrah package, please reach out to IKHLAS Umrah Customer Service team via:
Hotline: +6010-524 6864
Email: [email protected].
Related to the EPP, please reach out to CG Capital Customer Service team via:
WhatsApp: +6012-819 7823
Email: [email protected]
