Affin Bank Credit Cards

Overview of Affin Bank Credit Cards

From shopping to travel, Affin Bank offers excellent credit card deals to meet the various needs of the customers in Malaysia. Both new and existing customers of the Affin Bank can expect several credit card benefits that will enhance their shopping and travel experiences across the country and beyond.

Features and Benefits of Affin Bank Credit Cards

There are certain unique credit card features and benefits offered by the Affin Bank for its customers such as:

• Consumers with a minimum annual income of RM24,000 can apply for an Affin Bank Basic Credit Card.
• Affin Bank offers annual fee waiver offer for life on all types of credit cards.
• Other benefits include Balance Transfer Installment Plan, Easy Payment Plan, and Easy Installment Plan.
• The bank offers a competitive finance charge of 9.99% p.a subject to minimum monthly payments before or by the payment due date.
• The cardholder will be charged a minimum late payment fees of RM5 or 1% of the total outstanding balance up to RM50.
• If the cardholder defaults on making minimum monthly payments by the due date, the standard finance charge of 17.5% p.a. applies for generic credit cards and 15% p.a. for BHPetrol 'Touch & Fuel' MasterCard Contactless.
• Applicants have to visit one of the numerous Affin Bank branches situated across Malaysia to apply for a credit card.
• The bank offers Special Cash Reward (SCR) of RM50 for a principal credit card and RM25 for a supplementary credit card to redeem the Government Service Tax collected on credit cards.
• Opt for Easy Installment Plan (EiPlan) for retail purchases as low as RM500 per transaction.
• Free travel personal accident insurance cover for the first year of card issuance.

Types of Affin Bank Credit Cards

The different types of credit cards offered by Affin Bank are:

• Affin Bank World MasterCard offers a minimum finance charge of 9.99% p.a. EiP, BTiP, and up to 0.8% cash rebate for retail purchases except for petrol and government related transactions. Other benefits include cash advance of up to 70% of the credit limit, travel personal accident insurance of up to RM10,00,000, free Priority Pass to more than 600 lounges worldwide, and concierge service.
• Affin Bank MasterCard Gold and Classic Credit Cards offer a minimum finance charge of 9.99% p.a. EiP, BTiP, and up to 0.8% cash rebate for retail purchases except for petrol and government related transactions.
• Affin Bank Touch 'n Go MasterCard Gold and Classic Credit Cards offer a minimum finance charge of 9.99% p.a. EiP, BTiP, and up to 0.8% cash rebate for retail purchases except for petrol and government related transactions.
• Affin Bank BHPetrol 'Touch & Fuel' MasterCard Contactless offers a minimum finance charge of 9.99% p.a. EiP, BTiP, up to 0.8% cash rebate for retail purchases except for petrol and government related transactions, and free personal accident insurance worth RM30,000 for the first year.
• Affin Bank MasterCard Basic offers a minimum finance charge of 9.99% p.a. EiP, BTiP, and annual fee waiver for life.

The different types of Credit Visa cards offered by Affin Bank are:

• Affin Bank Visa Gold and Classic Credit Cards offer a minimum finance charge of 9.99% p.a. EiP, BTiP, and up to 0.8% cash rebate for retail purchases except for petrol and government related transactions.
• Affin Bank Visa Basic offers a minimum finance charge of 9.99% p.a. EiP, BTiP, and annual fee waiver for life.

Why Choose Credit Cards from Affin Bank?

There are several benefits to choosing a credit card at Affin Bank such as:

• The finance charge for Affin Bank cardholders is calculated on a monthly basis for the benefit of the customers who are prompt with their bill payments.
• It offers the lowest finance charge in the credit card market at 9.99% p.a.
• The finance charge is 17.50% p.a. if no payment has been made by the due date.
• The bank offers an unlimited Cash Rebate of up to 0.8% for retail purchases.
• Annual fee waiver for all types of credit cards for life.
• Balance Transfer Installment Plan (BTiP) and Easy Installment Plan (EiPlan) for a minimum retail purchase of RM500 per transaction.
• Special Cash Reward to redeem Government Service Tax (GST) on credit cards.

Affin Bank Supplementary cards

Affin Bank offers up to 3 supplementary credit cards. The GST on a supplementary credit card is RM25. The supplementary card applicant will have to submit relevant documents for identity proof and has to be 18 years old or above. Affin Bank offers an annual fee waiver for life for supplementary credit cards.

Finance Charge Rebate

Customers using Affin Bank Visa and MasterCard credit cards can get a finance charge rebate of 7.51% p.a. or 0.63% per month. For Affin Bank BHPetrol ‘Touch & Fuel’ MasterCard Contactless, cardholders can get a finance charge rebate of 5.01% p.a. or 0.42% per month subject to a minimum monthly payment before or by the payment due date.

Eligibility Criteria

There are certain eligibility criteria that an applicant has to meet in order to apply for a credit card at the Affin Bank such as:

• The applicant has to be 21 years old or above to apply for an Affin Bank credit card and the supplementary applicant has to be 18 years old or above.
• He or she must have a minimum annual income of RM24,000 for a Classic Card and RM36,000 for a Gold Card.
• The minimum annual income for BHPetrol Touch & Fuel MasterCard Paypass is RM24,000.
• The minimum annual income for Affin Bank World MasterCard is RM1,20,000.

Documents Required

The credit card documentation needs at Affin Bank differs with the applicant’s source of income. Listed below are a list of documents that has to be submitted by a salaried employee, self-employed person, commission earner, and pensioner:

• Salaried employees working for a sole proprietor or partnership company have to submit:
  • A photocopy of IC (Identity Card).
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • Last 3 months’ salary slips, the latest EA or BE Form or e-Filing with acknowledgement and tax payment receipt.
• Salaried employees working for a private limited company have to submit:
  • A photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • The latest EPF statement, previous 3 months’ bank statement or a letter addressed to the bank from the employer to confirm the applicant’s income status.
• Self-employed persons working for a sole proprietor or partnership company have to submit:
  • A photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • Business Registration Certificate.
  • The latest 1 year B Form or e-Filing with acknowledgement and tax payment receipt.
  • The last 6 months company or personal bank statements.
  • The last 1 year audited accounts.
• Self-employed persons working for a private limited company have to submit:
  • A photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • Certificate of Incorporation, Memorandum, and Articles of Association (M&A), and the latest Form 24 and 49.
  • The latest 2 years B Form or e-Filing with acknowledgement and tax payment receipt.
  • The last 6 months company or personal bank statements.
  • The last 2 years audited accounts.
• Commission earners working for a sole proprietor or partnership company have to submit:
  • Photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • The last 6 months’ commission statement.
  • B or BE Form or e-Filing with acknowledgement and tax payment receipt.
• Commission earners working for a sole proprietor or partnership company have to submit:
  • Photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • The latest EPF statement, the last 6 months’ bank statement or a letter addressed to the bank from the employer to confirm the applicant’s income status.
• Pensioners who had worked for a sole proprietor or partnership company have to submit:
  • Photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • The latest pension fund statement.
• Pensioners who had worked for a sole proprietor or partnership company have to submit:
  • Photocopy of IC.
  • Passport with Visa permit valid for minimum 1 year.
  • ID proof for the supplementary applicant.
  • The last 3 months’ bank account statement.

Affin Bank Balance Transfer Plan

Affin Bank offers a Balance Transfer Installment Plan (BTiP) where a cardholder can transfer the outstanding balance from other credit cards to a new Affin Bank credit card. The cardholder will have to pay one-time up-front charges and can enjoy a longer repayment period. A minimum amount of RM5,000 has to be transferred for 6 months or RM1,000 for a longer repayment period. The tenure can be anywhere from 6 to 24 months at 0% interest rate p.a. There is a one-time transfer fee of 0-9% of the transfer amount.

How to Report a Lost or Stolen Affin Bank Credit Card?

Affin Bank cardholders can update their mobile numbers in the bank database to receive transaction notifications via SMS. Cardholders can detect unauthorized transactions through the SMS notifications and immediately alert the bank of the situation. The bank will send SMS notifications to the cardholders under the following circumstances:

• First time usage of the card after activation.
• Single transaction over RM500.
• More than 5 transactions per day.

For a stolen or missing credit card, call the bank immediately to cancel the card transactions and request for a replacement card. Call the Affin Bank customer centre at 03-5522 3000 on weekdays and 03-7947 5488 after office hours and public holidays.

How to apply for Affin Bank Credit Card?

To apply for a credit card at Affin Bank, the applicant must fill up an application form that can be obtained from the bank website, the nearest bank branch or the cards business department. Go to a branch of the Affin Bank and submit the application form along with the necessary documents supporting identity and income proof. The form and documents have to be submitted to the bank personally in order to complete the verification process by a bank personnel.

Affin Bank Credit Card Hotline Number

If a credit card is lost or stolen, it is imperative that the cardholder calls the bank immediately to report the situation so that they can cancel the card and replace it if needed.

• For any queries related to Classic or Gold Credit Card and BHPetrol MasterCard, call the Affin Bank call centre and authorisation centre at:
  • 03-5522 3000 on weekdays.
  • 03-7947 5488 after office hours and public holidays.

The customer support team is available on weekdays from 8:45 am to 9:00 pm. Go to any of the Affin Bank or Affin Islamic branches across Malaysia. Or, send an email to cardservices@affinbank.com.my.

• For any queries related to Affin Bank World MasterCard, call customer service at 03-5517 9999 which operates 24 hours a day. Or, send an email to worldcard@affinbank.com.my.
• If a credit card is lost or stolen in a foreign a country, call the VISA or MasterCard customer care centres at:
  • Global VISA assistance centre - 1 800 802 997, +1 303 967 1090
  • Global MasterCard assistance centre - 1 800 804 594, 1-800-627-8372, 1-636-722-7111

FAQs of Affin Bank Credit Cards

Listed below are some of the frequently asked questions about Affin Bank Credit Cards in Malaysia:

• Is GST imposed on Affin Bank Credit Card?

A Government Service Tax of RM50 is imposed on the principal credit card and RM25 for a supplementary credit card.

• What is Special Cash Reward?

Affin Bank offers Special Cash Reward (SCR) of RM50 for a principal credit card and RM25 for a supplementary credit card to redeem GST. To claim SCR, new cardholders have to spend a minimum of RM300 on retail purchases, make 5 transactions of any amount or opt for a Balance Transfer within 3 months from the date of card issuance. Existing cardholders have to spend a minimum of RM5,000 on retail purchases or make a Balance Transfer before reaching 1 year of the card issuance.

• What is the eligibility criteria to apply for an Affin Bank Credit Card?

The principal card applicant has to be 21 years old or above to apply for a credit card at the Affin Bank and the supplementary card applicant has to be 18 years old or above. The minimum annual income for Classic Card is RM24,000 and RM36,000 for Gold card. The minimum annual income for Affin Bank BHPetrol Touch & Fuel MasterCard Paypass is RM24,000.

• What happens if a cardholder defaults in making minimum monthly payments?

The cardholder will be charged a minimum late payment fees of RM5 or 1% of the total outstanding balance up to RM50.

• What is the Affin Bank helpline number?

The Affin Bank call centre phone number is 03-5522 3000 for weekdays and 03-7947 5488 for after office hours and public holidays.

• What is the lowest finance charge offered by Affin Bank?

Affin Bank offers a competitive finance charge of 9.99% p.a. subject to minimum payment made by the cardholder before or by the due date. If the cardholder defaults on making minimum monthly payments before or by the payment due date, the standard finance charge of 17.5% p.a. applies for generic credit cards and 15% p.a. for BHPetrol 'Touch & Fuel' MasterCard Contactless.

• What are the types of Affin Bank Credit Cards?
  • Affin Bank World MasterCard
  • Affin Bank MasterCard Gold
  • Affin Bank MasterCard Classic
  • Affin Bank Touch 'n Go MasterCard Gold
  • Affin Bank Touch 'n Go MasterCard Classic
  • Affin Bank BHPetrol 'Touch & Fuel' MasterCard Contactless
  • Affin Bank MasterCard Basic
  • Affin Bank Visa Gold
  • Affin Bank Visa Classic
  • Affin Bank Visa Basic

Other Products offered by Affin Bank:

Apart from offering Credit Card, Affin Bank offers other products and services which include:

• Affin Bank Home Loan
• Affin Bank Car Loan
• Affin Bank Fixed Deposit