Al Rajhi Rafahia Debit Card-i

Offering a worldwide Takaful protection and additional coverage during Umrah and Hajj, this is the Islamic debit card you need for peace of mind

Al Rajhi Rafahia Debit Card-iTravel protection and privileges
Annual Fee
Easy Payment Plan
From 0% p.a.


With your 6-digit PIN-enabled Islamic debit card, you can pay for your petrol cashless, subject to pre-authorization amount of RM200.


Worldwide Takaful protection of up to RM350,000 all year round with additional protection up to RM700,000 during Umrah and Hajj.


Arranging for funeral made easy as Rafahia debit cardardholders will receive emergency evacuation and supervised repatriation up to RM40,000 when met with fatality overseas.

Fees & Charges

Annual Fee
  • RM10 primary card
Daily Maximum Cash Withdrawal
Up to RM5,000
Contact-less Payment Methods
Visa PayWave


Minimum Age
  • 16 to 70 years old
Who can apply
  • Anybody



What is so unique about Al Rajhi Rafahia Debit Card-i?

Al Rajhi Rafahia Debit Card-i is not just an ATM / debit card you can use for making purchases and dispense cash from ATM machine, this Shariah compliant debit card is also equipped with privileges and protection for your pilgrimage journey. 

This debit card is based on the concept of Wakalah bil Ujrah in compliance with Al Rajhi Bank Shariah standards.

How do I get Takaful protections from this debit card?

First and foremost, let's find out what types of Takaful coverage you will get when your Rafahia Debit Card-i is issued:

  • Worlwide Takaful Protection up to RM350,000 all year round
  • Additional Protection up to RM700,000 during Hajj and Umrah
  • Emergency evacuation and supervised repatriation up to RM40,000.

All you need to do is open a Savings Account or Current Account with Al Rajhi Bank. Then, you select your preferred Takaful annual contribution fee which ranging from RM200 to not more than RM800. This single contribution is paid once every year.

What are the fees and charges associated with this debit card?

One thing for sure about Rafahia Debit Card-i is that it is issued for free of charge upon your account opening with Al Rajhi Bank. Every year, you only pay RM10 to renew the card's usage. If you have lost your Rafahia Debit Card-i, you need to replace it at RM12.

Who can apply for this debit card?

Any individuals, whether you are Malaysian citizens and residents or non-residents aged between 16 years old to 70 years old can apply for Al Rajhi Rafahia Debit Card-i. Bear in mind that the cut-off age for Takaful protection renewal is 75 years old.