Al Rajhi Travel Plus Card Review 2026: Fees, Exchange Rates & Is It Worth It?
Quick Summary
- Best for whom? → Travelers and international online shoppers who want better control over exchange rates.
- Card type? → A multi-currency prepaid card with an optional credit limit feature.
- Main advantage? → Allows you to lock in exchange rates by loading currencies before spending.
- Number of supported currencies? → Up to 45 currencies.
- USD exchange rate? → Approximately SAR 3.75.
- Annual fee? → SAR 150.
- Biggest value driver? → Helps avoid unexpected foreign exchange costs while giving travelers more budget control.
- Is it worth it? → Yes, especially for travelers who plan ahead and regularly spend in foreign currencies.
What Is the Al Rajhi Travel Plus Card?
Managing money while traveling or shopping from international websites can get expensive very quickly, especially when exchange rates keep changing.
The Al Rajhi Travel Plus Card was created to solve this exact issue. Instead of relying on the exchange rate at the moment you make a purchase, it lets you load different currencies in advance and spend directly from those balances.
This means you know your cost upfront, and you’re not surprised later by rate changes or extra conversion charges.
The card is linked to your Al Rajhi current account, and everything can be managed easily through the bank’s mobile app.
How the Multi-Currency Wallet System Works
The main feature of the Al Rajhi Travel Plus Card is its multi-currency wallet system, which is designed to make international spending easier and more controlled.
Instead of using one currency for everything, you can hold multiple currencies in separate wallets inside the same card.
Loading Currency Wallets
Through the Al Rajhi mobile app, you can load different currencies such as USD, EUR, GBP, and other supported foreign currencies.
Each currency is stored in its own dedicated wallet, so your balance stays organized and easy to track.
Automatic Currency Deduction
When you make a purchase abroad or online, the card automatically charges the correct currency wallet.
For example:
- Paying in euros → deducted from the EUR wallet
- Paying in US dollars → deducted from the USD wallet
This helps you avoid unnecessary currency conversion fees and gives you more control over your travel spending.
Why This System Matters for Travelers
For people who travel frequently, having a multi-currency prepaid travel card is much more practical than carrying cash or using a single-currency debit card.
It also reduces losses caused by bad exchange rates and unexpected international transaction fees.
Key Benefits
The Al Rajhi Travel Plus Card is not focused on rewards or cashback. Instead, it is built mainly for travel convenience and exchange rate control.
Multi-Currency Support
One of the strongest advantages is support for up to 45 currencies. This makes it a practical multi-currency travel card for people visiting different countries or shopping from international websites.
You can prepare your travel money in advance and avoid dealing with currency exchange each time you spend.
Protection from Exchange Rate Fluctuations
A key benefit is the ability to lock in exchange rates when you load a currency.
This means your money is not affected by future market changes, which helps you plan your travel budget with more certainty and stability.
Easy Loading and Refunds
You can add funds anytime directly from the Al Rajhi app, and unused balances can be transferred back to your bank account easily.
This makes the card flexible for managing international travel expenses without locking your money inside the card.
Global Usage
The card works for:
- International online shopping
- Point-of-sale payments abroad
- ATM withdrawals worldwide
This wide acceptance makes it a reliable option for frequent travelers who need a global prepaid card.
Is the Travel Plus Card Good for Europe and the USA?
For many travelers, Europe and the United States are the most common destinations, and the Al Rajhi Travel Plus Card works particularly well in both regions.
Using Local Currencies Abroad
One of the biggest advantages is that you can pay directly in the local currency, whether it’s euros in Europe or US dollars in the USA.
This helps you avoid dynamic currency conversion fees, which are often added when merchants convert prices into your home currency.
Fixed USD Exchange Rate Advantage
When using the USD wallet, the exchange rate is usually fixed around SAR 3.75 at the time of loading.
This gives you more stability when planning your international travel budget, especially for trips to the United States or for online shopping in USD.
Practical Travel Tip
To get the best value, it’s better to load your destination currency before you travel.
Also, keeping a small USD balance as a backup can help you avoid issues if another currency wallet runs out during your trip.
Optional Credit Limit Feature
The Al Rajhi Travel Plus Card also comes with an optional credit limit feature that adds extra flexibility when your wallet balance is not enough.
What the Credit Limit Actually Is
It works as a backup spending limit that you can activate from the Al Rajhi app. It is not part of your prepaid balance, but it can be used when your currency wallets run low.
How It Works in Real Use
When enabled, the credit limit is only used if your prepaid funds are insufficient. This means your main currency wallets are always used first, and the credit feature acts as a safety backup.
You can also turn it on or off anytime directly from the app without affecting your existing balances.
Important Limitations
It’s important to understand a few key points:
- It cannot be withdrawn as cash
- It is only used for purchases or payments
- It does not change the annual fee
- It remains separate from your currency wallets
Why It’s Useful
This feature is mainly helpful for emergencies or unexpected spending while traveling, giving you an extra layer of financial flexibility without needing a new card.
The USD Wallet Safety Net
The Al Rajhi Travel Plus Card includes a built-in USD wallet that works as a safety net when other currency balances are not enough.
How It Works
If you make a purchase and:
- Your selected currency wallet doesn’t have enough balance
- Or the currency is not available on the card
The system automatically covers the remaining amount using the USD wallet. This helps ensure your payment goes through without failure.
Why It Matters for Travelers
This feature is useful when traveling across multiple countries or when spending in different currencies. Instead of worrying about declined payments, the card automatically handles the shortfall.
It also reduces the need to carry extra cards or constantly exchange money during your trip.
Practical Insight
Keeping a small USD balance in the wallet can help you avoid interruptions, especially in situations where you switch between currencies or face unexpected expenses abroad.
Security Features
The Al Rajhi Travel Plus Card is designed with strong security layers to protect users during both online and international transactions.
Instead of relying on a single protection method, it uses multiple systems working together to reduce fraud risk and give travelers more control.
Key Security Tools
| Security Feature | What It Does |
|---|---|
| 3D Secure | Adds an extra verification step for online payments |
| OTP Verification | Sends a one-time password for every transaction |
| Real-Time Alerts | Notifies you instantly about any card activity |
| App Controls | Allows you to freeze or manage the card instantly |
Mobile Wallet Support
The card also works with major digital wallets, so you don’t always need the physical card:
- Apple Pay
- Google Pay
- Samsung Pay
- Mada Pay
Why This Matters While Traveling
These security features are especially important when using a travel prepaid card abroad, where fraud risks can be higher.
They also give you the ability to quickly control or block the card directly from your phone if anything unusual happens.
Pros and Cons
The Al Rajhi Travel Plus Card offers strong advantages for travelers who want better control over spending, but it also has a few limitations depending on how you use it.
Quick Overview
| Pros | Cons |
|---|---|
| Locks exchange rates before travel | Fees for adding each currency wallet |
| Multi-currency wallet system (up to 45 currencies) | Not ideal for frequent ATM withdrawals |
| Strong USD fallback protection | Requires planning to get full value |
| Easy refunds back to bank account | FX fallback fees may apply if mismanaged |
| Works with Apple Pay and other wallets | Less suitable for cash-heavy travelers |
What This Means in Real Use
This card is most useful for people who like to plan their travel budget in advance and avoid surprise exchange rate changes.
However, if you rely heavily on cash withdrawals or don’t want to manage multiple currency wallets, it may feel less convenient.
Fees and Costs
The Al Rajhi Travel Plus Card has a clear but usage-based fee structure. While the annual cost is fixed, most additional charges depend on how you use the card abroad.
Core Fees Overview
| Fee Type | Cost |
|---|---|
| Annual Fee | SAR 150 |
| Add Currency Wallet | SAR 25 per currency |
| ATM Withdrawals | ~3% (capped) |
| Replacement Card | Low fixed fee |
Important Cost Insight
The real cost of the card is not the annual fee itself, but how you manage your currency wallets.
If you don’t load the correct currency in advance, the system may use the USD wallet with extra conversion charges (around 1%–2% depending on the situation).
How to Reduce Fees
To keep costs low:
- Load your destination currency before traveling
- Avoid frequent ATM withdrawals abroad
- Keep USD wallet only as backup, not primary spending source
Application Requirements
Getting the Al Rajhi Travel Plus Card is a simple digital process, but there are a few basic requirements you need to meet before applying.
Who Can Apply?
To be eligible for the card, you must have:
- An active Al Rajhi current account
- A valid National ID or Iqama
- Access to the Al Rajhi mobile banking app
How to Apply (Step by Step)
The application process is fully digital and usually takes only a few minutes:
- Open the Al Rajhi mobile app
- Go to the “Cards” section
- Select the Travel Plus Card
- Review and accept the terms and conditions
- The card is issued and activated instantly
Activation and Usage
In most cases, the card is ready to use immediately after issuance, especially for online payments and loading currency wallets through the app.
No branch visit is required, and everything is managed digitally from your phone.
Quick Decision Guide
The Al Rajhi Travel Plus Card is not for everyone, so it helps to quickly see whether it actually fits your travel style.
This card is a good fit if:
- You travel internationally more than once a year
- You prefer to lock exchange rates before spending
- You like planning your travel budget in advance
- You want a multi-currency travel card instead of using a regular debit card abroad
This card is NOT ideal if:
- You mainly use cash withdrawals while traveling
- You don’t want to manage multiple currency wallets
- You prefer a simple card with no planning or setup
Simple takeaway
This card works best for planners who want control over their foreign currency spending, not for casual or cash-heavy travelers.
Final Verdict
The Al Rajhi Travel Plus Card is not designed to compete with cashback or rewards cards. Its real strength is financial control.
It gives users the ability to:
- Lock exchange rates in advance
- Separate travel money from main bank funds
- Reduce uncertainty in foreign spending
For travelers who plan ahead, it acts more like a budget control system than a traditional payment card. Its value increases significantly with proper use of currency wallets and USD backup management.
