Affin Bank Credit Cards

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.

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Features and Benefits

• Get an annual fee waiver for the first year on all the credit cards.
• The annual fee is waived for the subsequent year if you make the specified minimum spend in the previous year or swipe the card for a minimum of 12 times.
• Receive a complimentary flight and travel personal accident insurance when you travel overseas.
• Convert purchases into monthly instalment payment schemes at 0% interest rate.
• Transfer the balance of your credit cards to get a longer repayment tenure at a minimal upfront fee.

Affin Bank Credit Cards – An Overview

Note: The annual fee for all the cards listed above is waived for the first year.

Best Affin Credit Cards

AFFINBANK BHPetrol “Touch & Fuel” Mastercard Contactless Credit Card: Best for Petrol

• Get a petrol credit of up to RM20 upon approval from the bank.
• Enjoy faster payments with the contactless technology of the card.
• Earn 1 AFFIN Rewards Point on every ringgit you spend with the card.
• Get a flight and travel personal accident insurance of up to RM500,000.
• Keep your family secure in case of unfortunate events with the personal accident insurance cover of up to RM30,000. The coverage is available during the first card year.
• Enjoy an annual fee waiver for the first year.
• Get low finance charges starting from 12% p.a. when you make minimum monthly payments.

AFFINBANK World Mastercard: Best for Travel

• Earn 1 AFFIN Rewards Point on every RM1 you spend on retail purchases.
• Earn 3 AFFIN Rewards Points when you spend every RM1 overseas (effective from 1 September 2018).
• Get 2 complimentary access to Priority Pass airport lounges across the world.
• Enjoy golf privileges at the participating golf clubs in South East Asia.
• Utilise up to 70% of your credit limit or available limit,whichever is lower, for cash advances.
• Get a personal accident insurance coverage of up to RM100,000.
• Travel with free mind as the card provides a complimentary flight and travel personal accident insurance with a coverage of up to RM1 million.
• Enjoy emergency card replacement facility when you lose your card for the first time.
• Make use of the 24-hour AFFINBANK World Mastercard helpline.
• Pay low finance charges starting at 12% p.a. when you make a minimum monthly payment.

Rewards Programme

• Earn 1 AFFINBANK Rewards Point on every RM1 you spend on retail purchases.
• Redeem vouchers and gifts online from the available items in the rewards redemption catalogue.

Affin Bank Credit Card Promotions

• Enjoy 40% off Deluxe and Paradise Cabana room rate at Corus Hotels. Also, get 20% discount on a la carte dining orders at Dondang Sayang Coffee House, Komura Japanese Restaurant, and Ming Palace Chinese Restaurant. You can also save 15% on your total buffet bill at Dondang Sayang Coffee House. Other than these, you can get a rebate of RM15 when you purchase a full bottle of wine at The Cellar, Kencana Lounge. The promotion is valid until 21 March 2019. The discounts are available only at the Jalan Ampang, Kuala Lumpur outlet. The discounts are not applicable on government taxes.
• Get a discount of 20% on accommodation and spa treatment at Avani Sepang Goldcoast Resort, Selangor. The discount is applicable on Superior King/Twin, Family Villa, 2-Bedroom Villa, and 3-Bedroom Villa. The rates are inclusive of breakfast. Also, get 10% off food and beverages. The discount is not applicable to alcoholic drinks. You must make a pre-payment at the time of booking confirmation. A maximum of 3 rooms can be booked per stay. The promotion is valid until 31 December 2018.
• Save 15% on the total bill (all services included other than coating and tinting) at Autowasche Detailing. You have to pay your bill with an AFFINBANK credit card to get the benefits of the promotion. This discount is valid only on the services taken at the Selangor outlet. The promotion is valid until 31 December 2018.

Payment Plans

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:

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.

Balance Transfer Instalment Plan

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:

Insurance Plans

Flight and Travel Personal Accident Insurance

• You can get the insurance coverage for free when you are travelling abroad only if you charge the entire airfare to your card.
• The insurance policy is provided by AXA AFFIN General Insurance Berhad.
• The policy covers you and your family.
• Get a coverage of up to RM1 million in the event of accidental death and in cases of flight inconvenience, such as flight delay, missed flight connection, luggage delay, and loss of baggage.

Personal Accident Insurance

• Get a complimentary personal accident insurance with the AFFINBANK World Mastercard.
• A coverage of up to RM100,000 is provided in the event of accidental death.

Eligibility Criteria

Documents Required

Fees and Charges

Activating/Cancelling a Credit Card

Activation:

Choose one of the 2 ways given below to activate your credit card immediately after you receive your credit card via postal service:

1. Send an SMS from your registered mobile number in the format given, to 66600. AACTIdentification Card NumberLast 4 digits of Credit Card Number
2. Call up the number 03-8230 2222 and request for activation. If you have to activate the AFFINBANK World Mastercard via a phone call, you can use the dedicated number, 03-8230 2323.

Credit Card Statements

• AFFINBANK provides you with e-Statements every month.
• You can keep track of your expenses for the previous month with the e-Statements.
• They are sent to your registered email address.
• You have to keep the bank updated if there is any change in your email address and other contact details.
• If you prefer paper statements, you can notify the bank about it.

Security Features

PIN & PAY

• Get a 6-digit Personal Identification Number (PIN) to authorise the transactions you make with your credit card.
• Do not share the PIN with anybody to secure your card from fraudulent transactions.
• You don’t have to make signature anymore to complete the transactions.
• If you forget your PIN, contact the nearest branch to request for a new PIN.

Lost Card Liability

• In case of theft/loss of your credit card, you are required to inform the bank as soon as possible.
• Once you inform, the bank staff will cancel the card and replace it with a new card for your convenience.
• The bank lists 4 telephone numbers for such incidents. They are:

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