AFFINBANK offers 10 credit cards with each one having its own set of features and benefits. You can find credit cards that provides benefits for your petrol spends. Some cards come with global recognition making it easier for you to make purchases overseas.
|Card Name||Ideal For||Key Benefit||Annual Fee||Annual Income Requirement|
|AFFINBANK World Mastercard||Travel||Complimentary access to Priority Pass airport lounge.||Principal Card—RM500 Supplementary Card—RM400||RM80,000.|
|AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card||Petrol||Get a credit of RM20 for petrol transactions.||Principal Card—RM150 Supplementary Card—RM75||RM24,000.|
|AFFINBANK Touch ‘n Go Mastercard Gold||Quick Payments||Get an auto-reload facility when the balance on the card is low.||Principal Card—RM150 Supplementary Card—RM75||RM30,000.|
|AFFINBANK Touch ‘n Go Mastercard Classic||Quick Payments||Get an auto-reload facility when the balance on the card is low.||Principal Card—RM50 Supplementary Card—RM35||RM24,000.|
|AFFINBANK Mastercard Classic||Retail Purchases||1 AFFIN Rewards Point for every RM1 spent.||Principal Card—RM50 Supplementary Card—RM35||RM24,000.|
|AFFINBANK Visa Classic||Retail Purchases||1 AFFIN Rewards Point for every RM1 spent.||Principal Card—RM50 Supplementary Card—RM35||RM24,000.|
|AFFINBANK Mastercard Gold||Retail Purchases||1 AFFIN Rewards Point for every RM1 spent.||Principal Card—RM150 Supplementary Card—RM75||RM30,000.|
|AFFINBANK Visa Gold||Retail Purchases||1 AFFIN Rewards Point for every RM1 spent.||Principal Card—RM150 Supplementary Card—RM75||RM30,000.|
|AFFINBANK Mastercard Basic||Beginners||Low finance charges on minimum monthly payments.||Waived||RM24,000.|
|AFFINBANK Visa Basic||Beginners||Low finance charges on minimum monthly payments.||Waived||RM24,000.|
Note: The annual fee for all the cards listed above is waived for the first year.
Cash-on-Call Instalment Plan
You can withdraw cash with your credit card similar to the cash advance facility and pay a one-time upfront interest starting at 6% with the Cash-on-Call Instalment Plan (CIP). The upfront interest is lower as compared to that of cash advance facility. You can get a repayment tenure of up to 24 months.
The details of the repayment tenure and the respective upfront charges are given in the table below:
|Minimum CIP Amount||Repayment Tenure||One-time Upfront Fee|
Easy Payment Plan
You have an option to convert your retail purchases into a monthly instalment payment plan at 0% interest rate with the Easy Payment Plan (EPP). The scheme is valid only when you purchase at the participating merchant outlets, such as Blue Apple Beauty Salon, Eco Sanctuary Sedan Berhad, Galaxy Comm Sedan Berhad, Inspiros International Sedan Berhad, and Itsu World Sedan Berhad.
You have to sign on the Direct Debit Authorisation Form and submit it to the merchant to subscribe for the scheme.
Easy Instalment Plan
The purchases that are already reflecting in your card account can also be converted into monthly instalment payments with the Easy Instalment Plan (EiPlan). The minimum purchase amount qualifying for EiPlan is RM500. The repayment tenure is determined based on the purchase amount. You can call up the number 03-8230 2222 to subscribe for the plan. If you have an AFFINBANK World Mastercard, you can call up 03-8230 2323 and request for the conversion.
The tenures and the respective minimum purchase amounts are given in the below table.
|Minimum Purchase Amount||Repayment Tenure||One-time Upfront Fee|
Transfer the outstanding balance from one or more credit card of a different bank to your AFFINBANK credit card with the Balance Transfer Instalment Plan (BTiP). Get a longer repayment period of up to 36 months to clear the outstanding balance. You have to pay a one-time upfront fee starting at 2%. The minimum transfer amount that qualifies for BTiP is RM1,000. You can utilise up to 90% of the credit limit or available credit limit, whichever is lower, to transfer the outstanding balance from your cards.
The details of the scheme are given in the table below:
|Repayment Tenure||Minimum Transfer Amount||One-time Upfront Fee|
Flight and Travel Personal Accident Insurance
Personal Accident Insurance
|Age Requirement (Principal Cardholder)||21 years and above.|
|Age Requirement (Supplementary Cardholder)||18 years and above.|
|Nationality||Malaysians and non-Malaysians.|
|Minimum Annual Income Requirement||AFFINBANK World Mastercard Credit Card—RM80,000.|
|AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card—RM24,000.|
|AFFINBANK Touch ‘n Go Mastercard Gold—RM30,000.|
|AFFINBANK Touch ‘n Go Mastercard Classic—RM24,000.|
|AFFINBANK Mastercard/Visa Classic—RM24,000.|
|AFFINBANK Mastercard/Visa Gold—RM30,000.|
|AFFINBANK Mastercard/Visa Basic—RM24,000.|
|Type of Applicants||Required Documents|
|Type of Fees||Charges|
|Annual Fee (Principal Card)||AFFINBANK World Mastercard— RM500|
|AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card—RM150|
|AFFINBANK Touch ‘n Go Mastercard Gold—RM150|
|AFFINBANK Touch ‘n Go Mastercard Classic—RM50|
|AFFINBANK Mastercard/Visa Classic—RM50|
|AFFINBANK Mastercard/Visa Gold—RM150|
|AFFINBANK Mastercard/Visa Basic—Waived|
|Annual Fee (Supplementary Card)||AFFINBANK World Mastercard—RM400|
|AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card—RM75|
|AFFINBANK Touch ‘n Go Mastercard Gold—RM75|
|AFFINBANK Touch ‘n Go Mastercard Classic—RM35|
|AFFINBANK Mastercard/Visa Classic—RM35|
|AFFINBANK Mastercard/Visa Gold—RM75|
|AFFINBANK Mastercard/Visa Basic—Waived|
|Finance Charges||AFFINBANK World Mastercard—12% p.a. to 18% p.a.|
|AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card—12% p.a. to 15% p.a.|
|All other cards—12% p.a. to 17.5% p.a.|
|Minimum Monthly Payment||5% of the outstanding balance or RM50, whichever is higher.|
|Late Payment Penalty||AFFINBANK World Mastercard—RM10 or 1% of the outstanding balance, whichever is higher.|
|All other cards—RM5 or 1% of the outstanding balance, whichever is higher.|
|Cash Advance Rate||AFFINBANK World Mastercard—18% p.a.|
|AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card—15% p.a.|
|All other cards—17.5% p.a.|
|Cash Advance Fee||5% of the cash advance amount or a minimum of RM20, whichever is higher.|
Choose one of the 2 ways given below to activate your credit card immediately after you receive your credit card via postal service:
PIN & PAY
Lost Card Liability
|AFFINBANK World Mastercard||03-8230 2323|
|AFFINBANK Contact Centre||03-8230 2222|
|Mastercard Emergency Toll-free Number (Domestic)||1800 804 594|
|Visa Emergency Toll-free Number (Domestic)||1800 802 997|
|Emergency Number (Within USA)||1800 307 7309 (World Mastercard) 1800 627 8372 (All other credit cards)|
|Emergency Number (Outside USA)||1-636-722-7111|
|Make a Collect Call (for Visa cards)||+1 303 967 1090|
Q. How should I apply for a credit card with AFFINBANK?
A. Follow the steps given below to apply for a credit card:
Applications sent to the bank via fax and email, and submission at the Cards Business Department are not accepted.
Q. Should I provide collateral to get the credit card?
A. Malaysians are not required to provide any collateral to get a credit card. However, for security purposes, the bank requires non-Malaysians to provide an AFFINBANK FD Account as collateral to get a credit card. You have to maintain the FD account as long as you use the credit card.
If you are a Malaysian and unable to provide any income documents, you may be required to open an FD account and provide it as collateral.
Q. Can I activate any credit card using the specified SMS format?
A. Yes. You can activate any credit card except for corporate credit cards using the SMS format specified. Also, only Malaysians get the facility of SMS activation. You must know that SMS Activation is valid only if your mobile network carrier is Celcom, DiGi, Maxis, P1, Webe, XOX, or U Mobile. The SMS may charge you standard rates.
Q. How long does it take to process my rewards redemption request?
A. It may take 2 to 4 weeks to process your rewards redemption from the date of the request. The item will be sent to you via mail or courier depending on the nature of the item. You need to keep in mind that you cannot cancel the redemption item once the bank receives the request.
Q. Should I share my credit limit if I have multiple AFFINBANK credit cards?
A. Yes. If you have more than one AFFINBANK credit card, you may have to share your credit limit among the cards. Also, you will have to share your credit limit among the principal and supplementary cards. You may get an increase in the credit limit based on your income.