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    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

    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.

    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:

    Minimum CIP Amount Repayment Tenure One-time Upfront Fee
    RM1,000 6 months 6%
    RM1,000 12 months 8%
    RM2,000 18 months 12%
    RM2,000 24 months 14%

    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
    RM500 6 months 2%
    RM1,000 12 months 4%
    RM2,000 18 months 5%
    RM2,000 24 months 6%
    RM3,000 36 months 7%

    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:

    Repayment Tenure Minimum Transfer Amount One-time Upfront Fee
    6 months RM1,000 2%
    12  months RM1,000 4%
    18 months RM2,000 5%
    24 months RM2,000 6%
    36 months RM3,000 7%

    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

    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.

    Documents Required

    Type of Applicants Required Documents
    Salaried Employees
    • A copy of identification card or passport with a valid Visa for non-Malaysian applicants.
    • Last month’s salary slip.
    • Latest EPF statement.
    • Last month’s bank account statement.
    • Latest Form BE/Form B with the tax payment receipt.
    Self-employed Applicants
    • A copy of identification card or passport with a valid Visa for non-Malaysian applicants.
    AFFINBANK Customer for more than 6 months:
    • Form 9, Form 24, and Form 49.
    • Business registration certificate.
    New-to-Bank Customer:
    • Form 9, Form 24, and Form 49 or business registration certificate.
    • Latest Form BE/Form B with the tax payment receipt.
    • Last 3 months’ company account statement.
    • Latest Profit & Loss Account Statement.
    Commission Earners
    • A copy of identification card or passport with a valid Visa for non-Malaysian applicants.
    • Last 6 months’ commission statement.
    • Last 6 months’ bank account statement to show that the commission is credited.
    • Latest Form EA/Form BE with the tax payment receipt.

    Fees and Charges

    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.

    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

    How to Temporarily Increase/Decrease Credit Limit

    • You can get an increased credit limit if your income has increased.
    • Provide the latest income document, such as:
      • Salary slip.
      • Form EA.
      • EPF statement.
      • Form BE/Form B with the tax payment receipt.
    • Choose one of the following modes to contact the bank regarding the increase/decrease in credit limit:
      • Call up the number 03-8230 2323.
      • Fill up the credit limit increase form available on the bank’s website and send the form via fax to the number 03-2026 1424.
      • Send the duly filled credit limit increase form via email to worldcard@affinbank.com.my for AFFINBANK World Mastercard and cardservices@affinbank.com.my for all other credit cards.

    Frequently Asked Question’s

    Q. How should I apply for a credit card with AFFINBANK?

    A. Follow the steps given below to apply for a credit card:

    1. Download the application form from the bank’s website; or visit the bank’s branch or AFFINBANK Cards Business Department to collect the application form.
    2. Fill up the application with relevant details.
    3. Attach the supporting documents as specified above based on the nature of your occupation.
    4. Submit the documentation to the nearest branch.
    5. Carry the original supporting documents for verification.

    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.

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