For comparison purposes only. Final terms are determined by the issuing bank.
Review
Broad cashback coverage at entry-level income
The alrajhi bank Visa Platinum Credit Card-i is an entry-level cashback card built around everyday spending. It has a minimum annual income requirement of RM24,000 and no annual fee, so it suits users who want simple cashback without having to track a complicated rewards system.
The card gives 5% cashback on Dining, Grocery, Online Purchases and Utilities, with a shared monthly cap of RM30. You would need about RM600 of eligible spending in those categories each month to use the full cap, which is fairly reachable for many households.
Spending outside the bonus categories earns unlimited 0.2% cashback on eligible purchases. That rate will not drive much value on its own, but it keeps general spending from earning nothing.
The main advantage is the mix of categories. Some entry-level cashback cards focus mainly on online spending, while others are stronger for offline purchases. This card covers both digital purchases and regular household expenses, which makes it easier to use as a daily card.
Verdict: The alrajhi Visa Platinum is a practical entry-level cashback card for users who want simple everyday rewards with no annual fee. Its 5% categories are useful, the RM30 monthly cap is not hard to reach, and the RM24,000 income requirement keeps the card accessible.
Pros
- 5% cashback across both online and offline spending categories
- Achievable RM30 cashback cap with around RM600 eligible spending
- No annual fee
- Low income requirement of RM24,000 per year
- Unlimited 0.2% cashback on general spending
Cons
- Shared cashback cap limits rewards for higher spenders
- Unlimited cashback rate outside bonus categories is modest
- Does not support Google Pay, Samsung Pay or Apple Pay
Cashback
| Category | Cashback | Cap |
|---|---|---|
Online Transactions Excludes: e-Wallet | 5% | Shared RM30Online Transactions + Dining + Groceries + Utility Payments |
Dining | 5% | |
Groceries | 5% | |
Utility Payments | 5% | |
Other Eligible Retail Purchases Excludes: e-Wallet | 0.2% | Uncapped |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
Monthly Spend
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Cashback Summary
Card benefits
No specific benefits listed.