alrajhi bank Visa Platinum Credit Card-i

Broad Cashback Coverage at Entry-Level Income

The alrajhi bank Visa Platinum Credit Card-i is positioned as an entry-level cashback card aimed at everyday spending. With a minimum annual income requirement of just RM24,000 and no annual fee, it targets users seeking straightforward cashback without complicated reward structures. The card offers 5% cashback on Dining, Grocery, Online Purchases and Utilities, with a shared monthly cap of RM30. This means cardholders can fully utilise the monthly cashback allocation with approximately RM600 of eligible spending, making the cap relatively achievable for most households. Outside the bonus categories, the card also provides an unlimited 0.2% cashback on eligible spending. While not a major earning driver, it ensures cardholders continue receiving some level of rebate on general purchases. Compared to many entry-level cashback cards that focus solely on either online or offline spending, the Visa Platinum provides a broader mix of categories covering both digital and everyday household expenses. This flexibility enhances its practicality as a daily-use card. Verdict: The alrajhi Visa Platinum is a compelling entry-level cashback card with a well-balanced category mix and an achievable cashback cap. For users seeking simple, everyday rewards without annual fees, it offers strong value within its income segment.