Al Rajhi Visa Signature Credit Card-i
10% cashback on overseas spend (capped RM80/mo) + Priority Pass lounge access
Last updated 14 September 2026 · Reviewed by Raymond, Rates.my
Al Rajhi Visa Signature Credit Card-i overview
The alrajhi bank Malaysia Al Rajhi Visa Signature Credit Card-i is a Signature-tier Visa cashback card built around cashback. 10% cashback on overseas spend (capped RM80/mo) + Priority Pass lounge access. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM500 (free 1st year; then waived with min. 1 transaction/month for 12 consecutive months). Standout perks include airport lounge access, a Shariah-compliant structure.
Features & benefits
- ✓Up to 10% cashback on all overseas spend (capped RM80/month)
- ✓Unlimited 0.6% cashback on other eligible local spend
- ✓2x complimentary Priority Pass airport lounge visits a year
- ✓24/7 Visa Concierge service for travel and lifestyle assistance
- ✓Annual fee waived 1st year, then with at least 1 transaction a month for 12 consecutive months
- ✓Shariah-compliant — structured under the Tawarruq concept
Is the Al Rajhi Visa Signature Credit Card-i worth it?
The Al Rajhi Visa Signature Credit Card-i is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Annual fee waivable (free 1st year; then waived with min. 1 transaction/month for 12 consecutive months)
- +Up to 10% cashback on overseas retail spend (10%, rm80/mo cap); 0.6% uncapped on other eligible local spend
- +Complimentary airport lounge access
- +Shariah-compliant — no conventional interest (riba)
- +Broad range of benefits and perks
- −RM500 annual fee unless the waiver condition is met
- −Cashback capped at RM80 a month
- −Top cashback applies only to specific categories (overseas retail spend (10%, rm80/mo cap); 0.6% uncapped on other eligible local spend)
- −Higher income requirement — RM60k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards specific merchants or categories — check the card's terms for what qualifies. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — alrajhi bank Malaysia sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Al Rajhi Visa Signature Credit Card-i, in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- The 10% overseas rate is capped at RM80 cashback a month; other eligible local spend earns 0.6% with no cap.
- Foreign transaction fee
- Foreign-currency spend is converted at Visa International's rate on the processing date, plus a 1.18% conversion mark-up charged by the bank, plus any Visa transaction fee.
- Fee waiver
- Annual fee is RM500 principal / RM300 supplementary. It is waived for the first year, and waived after that only if you make at least one transaction a month for 12 consecutive months — miss a month and the fee applies.
- ⚠A RM25 card service tax applies per card on activation and on each activation anniversary — separate from the annual fee, and not covered by the fee waiver.
- ⚠Late payment charge is 1% of the total outstanding balance or RM10, whichever is higher, capped at RM100.
Verified 13 September 2026. Summarised in our own words from alrajhi bank Malaysia's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Al Rajhi Visa Signature Credit Card-iterms & product disclosure →Al Rajhi Visa Signature Credit Card-i FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). alrajhi bank Malaysia also considers your overall credit standing.
The annual fee is RM500, but it can be waived: free 1st year; then waived with min. 1 transaction/month for 12 consecutive months.
It earns up to 10% cashback on overseas retail spend (10%, rm80/mo cap); 0.6% uncapped on other eligible local spend, capped at RM80 a month. 10% cashback on overseas spend (capped RM80/mo) + Priority Pass lounge access.
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
It's a good fit for upper-middle-income earners who want cashback — its main draw is "10% cashback on overseas spend (capped RM80/mo) + Priority Pass lounge access". Weigh the RM500 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Al Rajhi Visa Signature Credit Card-i compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with alrajhi bank Malaysia before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by alrajhi bank Malaysia; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.