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    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

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    Step 1: Customise your Umrah Package

    Select your preferred package, departure date, room & guest options, and payment tenure. Instantly review the total price to ensure it fits your budget.
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    Step 2: Apply & Get Approved

    Fill out the Easy Payment Plan (EPP) application form. Complete the electronic Know Your Customer (eKYC) process to securely verify your identity. Submit your documents online and get approved.*
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    Step 3: Pay Monthly

    Manage monthly payments for your Umrah travel package easily and focus on your spiritual journey with peace of mind.

    *Approval is subject to T&C.

    Why Choose Our Easy Umrah Plan?

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    Shariah Compliant:

    Our Easy Payment Plan (EPP) strictly adheres to Shariah principles, ensuring a halal financing option for your Umrah journey.

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    Trusted Partners:

    Collaboration with Citaglobal Capital ensures security and reliability throughout the entire financing process.

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    Convenience:

    Begin your Umrah journey and easily manage your finances with our easy payment plan.

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    Affordable Processing Fee:

    Enjoy a one-time processing fee to start your Umrah journey.

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    Flexible Payment Options:

    Select a payment tenure that fits your budget, ranging from 12 to 24 months.*

    Shariah Compliance

    What is a Musawwamah Contract?

    A Musawwamah contract allows you to purchase the Umrah travel packages on a deferred payment plan that is Shariah-compliant. In this arrangement, our financial services partner, Citaglobal Capital, purchases the Umrah travel package from the travel agency, Ikhlas Com Travel, and then sells it to you at an agreed price payable over time. This ensures you can fulfil your spiritual journey without financial strain, adhering to Islamic principles of fair trade and transparency.
    What is a Musawwamah Contract?

    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.

    • UMRAH SUPER ECONOMY
    • 9 Days 7 Nights
    • 26 Aug 2024 - 2 Sep 2024
    • 1 x Adult in Quint Sharing Room
    Total Package Amount
    MYR 5,490

    Payment Terms

    The repayment duration determines your monthly repayment instalment. Below is an example our Easy Umrah Finance works.

    • 12 months
    • MYR 330 Upfront
    • 18 months
    • 24 months ✓

    24 x Monthly Payments of
    MYR 229

    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

    At IKHLAS Umrah, we are committed to not only helping you achieve your spiritual goals but also ensuring 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_logo.png
    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_Logo_-_Horizontal_w_Tagline_2.png
    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.

    Frequently Asked Questions

    Umrah Easy Payment Plan (EPP)

    Eligibility for EPP

    Amendments / Cancellation

    Contact Details

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