alrajhi bank Visa Signature Credit Card-i

A rare mid-tier travel cashback card

The alrajhi bank Visa Signature Credit Card-i is a little different from most travel cards in Malaysia. Instead of centring everything on miles, it gives cashback, with the best return on overseas spending.

The main appeal is 10% cashback on overseas transactions, capped at RM80 a month. That matters most if you travel regularly, pay in foreign currencies, or shop from overseas merchants. Once you move outside that category, the card still gives unlimited 0.6% cashback on eligible spending.

The lounge benefit is also worth noting. Cardholders get 2 complimentary Priority Pass lounge visits a year, and the annual income requirement is RM60,000. Priority Pass access usually sits on cards with higher entry requirements, so this gives the card a useful angle in the mid-tier segment.

The annual fee is RM500, but you can get it waived by making at least one retail transaction each month. For active users, that makes the card fairly easy to keep without paying the annual fee.

Verdict: The alrajhi Visa Signature works best for people with regular foreign currency spending. It is not trying to be the strongest everyday cashback card. Its value comes from the 10% overseas cashback, the RM80 monthly cap, and the Priority Pass access at a relatively accessible income level.