alrajhi bank Visa Signature Credit Card-i

A Rare Mid-Tier Travel Cashback Card

The alrajhi bank Visa Signature Credit Card-i occupies a unique position in the Malaysian market. While many travel-focused cards rely on miles accumulation, this card takes a simpler approach by rewarding cardholders directly through cashback, particularly on overseas spending.

The headline feature is its 10% cashback on overseas transactions, capped at RM80 per month. For cardholders who frequently travel, shop in foreign currencies, or make regular overseas purchases, this represents one of the more attractive cashback propositions currently available. In addition, the card provides an unlimited 0.6% cashback on eligible spending, ensuring that rewards continue beyond the promotional category.

Perhaps the most distinctive benefit is the inclusion of 2 complimentary Priority Pass lounge visits per year. What makes this particularly noteworthy is the relatively accessible RM60,000 annual income requirement. Priority Pass access is typically associated with much higher-tier cards, making this one of the more affordable entry points into the programme.

The card carries an annual fee of RM500, but this is waived with a simple usage requirement of at least one retail transaction per month. In practice, active cardholders can effectively enjoy the card without ongoing holding costs.

Verdict: The alrajhi Visa Signature is a specialised cashback card that works best for users with regular foreign currency spending. The combination of strong overseas cashback and accessible Priority Pass access gives it a distinctive niche that few cards in its income segment currently match.