Affin Bank Credit Cards

Affin Bank is one of the leading banks in Malaysia which provides key banking solutions to corporates and SMEs, caters to consumer banking, wealth management, and also offers treasury services. The bank offers comprehensive products in both, conventional and Islamic formats. The range of credit cards from Affin bank is a popular choice among many due to the convenience and benefits they provide. The cards reward cardholders anytime an expense is charged to it and is packed with value added services.

Why Choose Affin Bank Credit Cards?

Affin Bank credit cards cater to consumers from different walks of life. The cardholders can make use of plans such as a balance transfer plan that allows transferring of overdue credit card balances from other bank cards onto their Affin Bank card and pay it off faster at a much lower rate of interest. The card also comes with annual fee waiver for the first year on the principal and supplementary cards and a low rate of interest starting at just 12% p.a. making it very affordable. Cardholders can also enjoy a complimentary travel insurance as well as personal accident insurance with select Affin Bank credit cards. The cards also earn reward points on expenses charged to it which can be redeemed for exciting gifts.

Features and benefits of Affin Bank Credit Cards

The following are the various features and benefits of Affin Bank credit cards:

• The credit cards have an annual fee waiver on both the principal and supplementary credit cards for the first year.
• The credit cards earn AFFIN Rewards Points on every expense charged to it. The card earns 1 point for every RM1 charged to the card and the points earned can be redeemed for a wide range of exciting gifts.
• Cardholders can make use of a balance transfer plan wherein they can transfer overdue balances accrued on other bank credit cards onto their Affin Bank credit card and pay it off in instalments at a much lower rate of interest.
• The cards offer a complimentary travel insurance policy anytime airfare is purchased solely using the card. The cover of this policy can range between RM250,000 to RM1 million depending on the type of Affin Bank credit card used.
• The cards are equipped with an Easy Instalment Plan that converts larger retail purchases into smaller, more affordable monthly instalments.
• The cards are equipped with a Call for Cash Plan which allows cardholders to make cash withdrawals at a lower rate of interest.

Types of Credit Cards offered by Affin Bank

The following are the various types of credit cards offered by Affin Bank:

1. Affin Bank World MasterCard: Cardholders can get access to a host of privileges and combines the features of an exclusive card with the convenience of a daily use card. The card has a low rate of interest with rates starting at just 12% p.a. provided the minimum monthly payments are made on or before the payment due dates. The cardholder can also enjoy complete protection with this card. The card offers a complimentary travel insurance policy with a cover of up to RM1 million when flight tickets are charged solely to the card and can also enjoy a complimentary personal accident insurance with a cover of up to RM100,000. The card is also equipped with a balance transfer plan, an easy instalment plan and an easy payment plan.
2. Affin Bank MasterCard Gold: The cardholder can enjoy payment convenience along with a range of benefits with the MasterCard Gold card. The card offers a low rate of interest. Rates start at 12% p.a. for cardholders who maintain a good record of prompt minimum monthly payments. The card comes equipped with a balance transfer plan that allows cardholders to transfer outstanding credit card dues accrued on other bank credit cards onto their Affin Bank card and pay it off faster at a lower rate of interest. The cardholder can also make larger retail purchases without worrying about repayment with the Easy Instalment Plan that converts large purchases into smaller, affordable instalments. The card also earns reward points on expenses charged to it which can be redeemed for a wide range of exciting gifts.
3. Affin Bank MasterCard Classic: The MasterCard Classic card from Affin Bank is designed for everyday use and is a rewards card. Reward points earned can be redeemed for a wide range of gifts. The cardholder can enjoy benefits such as a balance transfer plan that lets them transfer credit card dues from other bank credit cards onto their Affin Bank card and pay it off at a lower rate of interest. Cardholders can also use an Easy Instalment Plan which converts larger retail purchases at select merchant outlets into affordable, smaller monthly instalments. The card also comes with a low rate of interest starting at just 12% p.a. provided the cardholder makes minimum monthly payments on or before the due date.
4. Affin Bank Touch 'n Go MasterCard Gold: The Touch ‘n Go card from Affin Bank offers cardholders a range of benefits. Cardholders can make contactless transactions for up to RM250 for petrol expenses incurred on the card. Other benefits of the card include lower interest rates of 12% p.a. when cardholders maintain a good record of prompt monthly payments, a balance transfer plan that allows transferring of outstanding credit card dues from other bank cards and paying it off at a lower rate of interest and an Easy Instalment Plan that converts larger purchases into affordable instalments.
5. Affin Bank Touch 'n Go MasterCard Classic: The card provides cardholders with affordability and convenience. Cardholders can make contactless transactions when using the card for up to RM250. Cardholders can also earn reward points on every expense charged to the card. The card earns 1 AFFIN Rewards Points for every RM1 charged to the card which can be redeemed for a wide range of gifts. The card offers a lower rate of interest starting at just 12% p.a. subject to making minimum monthly payments on or before the due date. The cardholder can also enjoy a complimentary travel insurance with a cover of up to RM250,000.
6. Affin Bank BHPetrol Touch 'n Fuel MasterCard Contactless: The card offers a petrol credit worth RM20 which is credited to the cardholder’s Affin Bank card account upon successful approval of the card. The card also offers complimentary insurance policies. The card provides a complimentary travel insurance policy worth RM500,000 when the card is used solely to purchase airfare. Cardholders can also enjoy a free personal accident insurance policy with a cover of RM30,000 for the first year of owning the card. The cardholder can earn 1 reward point for every RM1 charged to the card which can be redeemed for a wide variety of gifts. The card is also packed with value added services such as a balance transfer plan and an Easy Instalment Plan.
7. Affin Bank Mastercard Basic: The MasterCard Basic card is an ideal everyday card. This card offers convenience and flexibility and comes with no frills attached. The card is a very affordable card as the annual fee is waived for life. The interest rates on the card are also very competitive with rates starting at just 12% p.a. for those cardholders who make the minimum monthly payments on or before the due date. The cardholder can also enjoy flexibility in managing finances. The card comes equipped with a balance transfer plan that allows cardholders to transfer overdue credit card balances form other bank cards onto their Affin Bank card and pay it off at a lower interest and also convert larger retail purchases into smaller instalments using the Easy Instalment Plan.
8. Affin Bank Visa Classic: The card offers an ideal blend of convenience and practicality with exclusive benefits. The card comes with lower rates of interest starting at just 12% p.a. for those cardholders who maintain a good payment history. The card also offers a complimentary travel insurance with a cover of up to RM250,000 when the airfare is charged solely to the card. Cardholders can earn reward points on expenses charged to the card. The card earns 1 point for every RM1 charged to it and the points earned can be redeemed for a wide variety of gifts. The cardholder can also make use of various financial services that come with the card such as a balance transfer plan to manage overdue credit card balances and an Easy Instalment Plan that converts larger purchases into smaller monthly instalments allowing for easier repayment.
9. Affin Bank Visa Gold: The card offers benefits of an exclusive credit card with the convenience of an everyday card. The card comes with an annual fee waiver for the first year and interest rates of 12% p.a. for cardholders who maintain a good payment record. The card earns 1 reward point on every RM1 charged to it. These points can be redeemed for a wide range of gifts. The cardholder can also enjoy a complimentary travel insurance policy with a cover of up to RM500,000 when charging airfare solely to the card. Cardholders can make use of a balance transfer plan as well as an Easy Instalment Plan to help them manage their finances and repayments effectively.
10. Affin Bank Visa Basic: The Affin Bank Visa Basic card is an everyday card that offers cardholders convenience and rewards them with every expense charged to the card. The annual fees of the card is waived for life making it an affordable card. Cardholders who make prompt minimum monthly payments on their card can also enjoy lower rates of interest starting at just 12% p.a. The cardholder can make use of the balance transfer plan available with this card to effectively manage their finances. The card also has an Easy Instalment Plan that converts larger purchases into smaller, more affordable instalments. The cardholder can also enjoy a complimentary insurance policy worth RM250,000.

Eligibility Criteria to avail Affin Bank Credit Cards

For those applicants who wish to apply for an Affin bank credit card, they must meet the following eligibility requirements:

• The minimum age required to acquire a principal credit card is 21 years.
• The minimum age required to acquire a supplementary credit card is 18 years.
• Affin Bank World MasterCard – RM120,000
• Affin Bank MasterCard Gold – RM36,000
• Affin Bank MasterCard Classic – RM24,000
• Affin Bank Touch 'n Go MasterCard Gold – RM36,000
• Affin Bank Touch 'n Go MasterCard Classic – RM24,000
• Affin Bank BHPetrol Touch 'n Fuel MasterCard Contactless – RM24,000
• Affin Bank Mastercard Basic – RM24,000
• Affin Bank Visa Classic – RM24,000
• Affin Bank Visa Gold – RM36,000
• Affin Bank Visa Basic – RM24,000

Documents Requirements to apply for Affin Bank Credit Cards

Cardholders are required to submit the following documents when submitting the duly filled application form:

Salaried applicants:

• Copy of IC or Passport with valid work permit
• Most recent 3 months’ salary slip
• Copy of most recent EA Form
• Copy of recent Form BE with tax receipt
• Most recent EPF statement or Letter of employment

Commission earners:

• Copy of IC or Passport with valid work permit
• Copy of recent Form BE with tax receipt
• Copy of commission statements for last 6 months
• Most recent EPF statement or Letter of employment confirming income details

Pensioners:

• Copy of IC or Passport with valid work permit
• Most recent pension fund statement
• Copy of bank statement showing crediting of pension for last 3 months

Self-employed applicants:

• Copy of Form 9/24/49 or Business Registration Certificate
• Last 6 months company bank statements
• Copy of latest B Form with official tax receipt
• Most recent 1 year audited accounts

Affin Bank Credit Card Promotions

Affin Bank credit cards provide cardholders with a host of benefits. Not only do they serve as a convenient mode of payment but also reward cardholders with reward points on every expense charged to the card. The Affin Bank credit cards provide cardholders with attractive deals and discounts through periodic promotional offers. These offers include discounts at select hotels such as Swiss-Garden International Hotels, Resorts & Inns, discounts on specific airfare with select airlines such as Malindo air, and discounts at select retail outlets such as Reebonz.

Affin Bank Balance Transfer

With the Affin Bank credit cards, cardholders can transfer outstanding credit card dues accrued on other bank credit cards onto their Affin Bank credit card and pay it off at a lower rate of interest over a specified tenure. The plan offers tenures of 6,12, 18, 24, or 36 months.

The plan charges a one-time upfront interest which is as follows

Tenure	Upfront interest rate	Minimum transfer amount
6 months	2%	RM1,000
12 months	4%	RM1,000
18 months	5%	RM2,000
24 months	6%	RM2,000
36 months	7%	RM3,000

Fees and Charges

The following are the fees and charges applicable to the credit cards:

Annual fees – Principal cards	Affin Bank World MasterCard – RM530 Affin Bank MasterCard Gold – RM159 Affin Bank MasterCard Classic – RM53 Affin Bank Touch 'n Go MasterCard Gold – RM159 Affin Bank Touch 'n Go MasterCard Classic – RM53 Affin Bank BHPetrol Touch 'n Go MasterCard Contactless – RM159 Affin Bank Mastercard Basic – Waived for life Affin Bank Visa Classic – RM53 Affin Bank Visa Gold – RM159 Affin Bank Visa Basic – Waived for life
Annual fees – Supplementary cards	Affin Bank World MasterCard – RM424 Affin Bank MasterCard Gold – RM79.50 Affin Bank MasterCard Classic – RM37.10 Affin Bank Touch 'n Go MasterCard Gold – RM79.50 Affin Bank Touch 'n Go MasterCard Classic – RM37.10 Affin Bank BHPetrol Touch 'n Go MasterCard Contactless – RM79.50 Affin Bank Mastercard Basic – Waived for life Affin Bank Visa Classic – RM37.10 Affin Bank Visa Gold – RM79.50 Affin Bank Visa Basic – Waived for life
Finance charge on retail transactions	12% p.a. to 18% p.a.
Finance charge on cash advance	15% p.a. for Affin Bank BHPetrol Touch 'n Go MasterCard Contactless 18% p.a. for Affin Bank World MasterCard 17.5% p.a. for all other cards
Cash advance fee	RM21.20 or 5.3% of amount withdrawn, whichever is higher for local cash withdrawals RM20 or 5% of amount withdrawn, whichever is higher for overseas cash withdrawals
Late payment charge	RM10 or 1% of the amount due subject to a maximum fee of RM100 for Affin Bank World MasterCard RM5 or 1% of outstanding dues for all other cards
Minimum monthly repayment	RM50 or 5% of the outstanding balance, whichever is the higher amount.
Interest-free period	20 days
Additional statement fee	RM5 per copy
Sales draft retrieval fee	RM15 for original RM5 for photocopy
Card replacement fee	RM20 for Visa or MasterCard Basic RM50 for all other cards
Conversion for overseas transaction	Overseas transactions are converted into Malaysian Ringgit using exchange rate determined by Visa/MasterCard International and a fee of 1% of the converted transaction is charged by Visa/MasterCard International

How to apply for an Affin Bank Credit Card?

Applicants can apply for an Affin Bank Credit Card through the following ways:

• Applicants can find and download the application form for the preferred credit card on the Affin Bank website and submit the duly filled form along with the supporting documents at an Affin Bank branch.
• Applicants can also visit their nearest Affin Bank branch and acquire the application form and submit it with the required documents.

How to increase Affin Bank Credit Card limit?

• Cardholders may find themselves in need of extra credit to meet unexpected expenses. Some might want to upgrade their credit card to enjoy better benefits or some might want to downgrade their card to keep their spending low. Whatever be the reason, cardholders can find the increase/decrease credit limit or upgrade/downgrade credit card form on the Affin bank website.
• Cardholders must fill out the form and submit it to cardservices@affinbank.com.my along with supporting documents such as salary slip, most recent EPF statements, EA Form, and BE/B Form with tax receipt.

Affin Bank Credit Card Customer Care / Hotline Number

Cardholders can contact Affin Bank through the following channels to have their queries answered or to seek assistance in case of lost card:

• For calls during office hours: 603 5522 3000
• For calls after office hours: 603 2028 6300

Affin Bank Credit Card FAQs

Q. Is there a minimum transfer amount on the Balance Transfer Plan?

A. Yes. Cardholders must transfer a minimum of RM1,000 for tenures of 6 or 12 months, a minimum of RM2,000 for 18 or 24 months, and a minimum of RM3,000 for tenure of 36 months.

Q. IS there a minimum purchase amount in order to qualify for the Easy Instalment Plan ?

A. Yes. Cardholders must make a minimum purchase amount of RM500 for an EIP of 6 months, RM1,000 for EIP of 12 months, RM2,000 for EIP of 18 or 24 months, and RM3,000 for EIP of 36 months.

Q. What is the interest rate charged on Easy Instalment Plan?

A. The plan charges an upfront interest rate of 2% for 6 months, 4% for 12 months, 5% for 18 months, 6% for 24 months, and 7% for 36 months.

Q. What is the Cash on Call Instalment Plan?

A. Cardholders can use the CIP to make cash advances at much lower rates. The amount will be credited to the cardholder’s savings or current account and can be paid back in tenures of 6,12, 18, or 24 months.

Q. Is there a minimum amount to be withdrawn using a CIP?

A. Yes. Cardholders must withdraw a minimum of RM1,000 to qualify for tenures of 6 or 12 months and RM2,000 to qualify for tenures of 18 or 24 months. The CIP charges an upfront interest rate of 6% for a 6-month tenure, 8% for a 12-month tenure, 12% for a 18-month tenure, and 14% for a 24-month tenure.