Rafahia Debit Card-i

Rafahia Debit Card-<i>i</i>


Rafahia Debit Card-is complete with its own unique benefits, unparalleled to any other debit card currently available. The card's Takaful protection and exclusive Al Rajhi banking privileges is specifically designed for your pilgrimage journey to Hajj and Umrah. Leave your worries and safety with us so that you can focus on performing your spiritual journey. 

  • Resident and non-resident individuals aged 18 years old up to a maximum of 70 years old (renewal of Takaful protection is up to 75 years old)
  • In compliance with Al Rajhi Bank (Malaysia) Shariah standards
  • Based on Shariah contract of ‘Ujrah’
  • Worldwide Takaful protection up to RM350,000 all year round
  • Additional protection up to RM700,000 during Umrah & Hajj or while travelling in any public transport systems worldwide
  • Emergency evacuation and supervised repatriation up to RM40,000
  • Exclusive Al Rajhi banking privileges
  • Deposit products are eligible for protection by PIDM

Fees & Charges



Takaful Annual Contribution Fees:

Rafahia 7

RM 756*

Rafahia 4

RM 432*

Rafahia 2

RM 216*

*Revised Takaful Annual Contribution effective from 1st March 2024 inclusive of 8% Sales & Service Tax. 

Issuance Fee


Annual Fee

RM 10.00

Replacement / Lost card

RM 12.00
Cash withdrawal at Al Rajhi Bank ATM Network (local)


Cash withdrawal at PayNet Shared ATM Network (SAN) (local)

RM 1.00 per transaction

Cash withdrawal at Visa PLUS ATM Network (local and overseas)

RM 12.00

Sales draft retreival fee

RM 5.00

Overseas transaction conversion

Based on Visa's daily exchange rate and fees

The Shariah Board of Al-Rajhi Bank does not review or recommend any of Takaful operators including their products and other related agreements. The Shariah compliance status of Takaful products is at the responsibility of their respective Shariah Committee.


Terms and Conditions

Product Enquiry

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