What makes the Al Rajhi Rafahia Debit Card-i stand out?
The Al Rajhi Rafahia Debit Card-i is a unique, Shariah-compliant payment card that combines everyday banking convenience with exclusive privileges and essential Takaful protection, especially for your pilgrimage journey.
Based on the Shariah contract of Ujrah (fee), this card links directly to your Al Rajhi savings or current account for secure global transactions.
Tell me more about the Takaful protection.
A key feature of the Rafahia Debit Card-i is its built-in Takaful coverage, provided by Syarikat Takaful Malaysia Berhad.
You can choose from several plans with varying annual contributions to receive the following benefits:
| Benefit | Rafahia 2 | Rafahia 4 | Rafahia 7 |
| Accidental Death and Permanent Disablement | RM100,000 | RM200,000 | RM350,000 |
| Double Indemnity (During Hajj/Umrah or on Public Transport) | RM200,000 | RM400,000 | RM700,000 |
| Emergency Evacuation and Supervised Repatriation | RM10,000 | RM20,000 | RM40,000 |
| Badal Hajj | RM2,000 | RM3,500 | RM6,000 |
| Loss of Luggage | RM250 | RM600 | RM1,000 |
| Takaful Annual Contribution (before tax) | RM200 | RM400 | RM700 |
| Total Annual Contribution (with 8% SST) | RM216 | RM432 | RM756 |
Check out the Product Disclosure Sheet for more details about this Takaful protection.
What are the fees and charges?
It's important to be aware of the fees associated with your card to manage your finances effectively.
- Annual Fee: RM10
- Card Replacement Fee: RM12
- ATM Withdrawal (Al Rajhi Bank, local): Free
- ATM Withdrawal (MEPS Network, local): RM1 per transaction
- ATM Withdrawal (Visa PLUS Network, overseas): RM12.00 per transaction
- Overseas Transaction Conversion Fee: Based on Visa's daily exchange rate and fees
- Sales Draft Retrieval Fee: RM5.00 per copy
How can I apply for the Al Rajhi Rafahia Debit Card-i?
Before you make an application, ensure you meet the following eligibility criteria.
- Age Requirement: Open to individuals aged 16 to 70 years old.
- Residency: Available to both Malaysian residents and non-residents.
- Takaful Renewal: The Takaful protection is renewable up to the age of 75.
Additionally, if you are not an existing account holder with the Bank, you must first open a Savings or Current Account with Al Rajhi Bank to be eligible.
Afterwards, you can link the account to your new Rafahia Debit Card-i for seamless transactions!
