AFFIN DUO Mastercard Rewards

Life gets more rewarding whenever you spend on dining, groceries and petrol with the AFFIN DUO Rewards Mastercard as you get to earn 3X AFFIN Rewards Points for every Ringgit spent!

AFFIN DUO Mastercard RewardsReward points & annual fee waiver
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 3X AFFIN Rewards Points for every RM1 spent on dining, grocery shopping and petrol fueling. The more you spend, the more reward points you can earn. But do note that AFFIN Rewards Points are only valid for three years, so be sure to redeem your accumulated points before they expire! You can redeem merchandise(s), voucher(s), or air miles with AFFIN Rewards Points.

AFFIN Rewards Points
3 points on every RM1on dining, groceries and petrol


With every RM1 transaction made on petrol fueling at any petrol station nationwide, you earn 3X AFFIN Rewards Points.

Balance Transfer

Free yourself from multiple credit card debts with the Affin Bank Balance Transfer Instalment Plan that offers you one-time interest rate charges as low as 2% over a repayment period of up to 36 months.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6%one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7%one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Affin Bank EiPlan offers you flexible instalment payment terms from 6 months to 36 months on any retail purchase with participating merchants.

AffinBank EiPlan
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
18 months5% one-time upfront handling feeRM2,000
24 months6% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about AffinBank EiPlan

Fees & Charges

Annual Fee
  • RM75 primary card

    Free for first 3 years

    Waived when you swipe minimum 12 times on retail transactions in a year on the subsequent years

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
5% of outstanding amount
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
AffinBank EiPlan
AffinBank Easy Installment Plan converts your retail shopping into easy monthly payments. It's a simple and easy way to make shopping affordable.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Say hello to ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.
Balance Transfer Plans
AffinBank Balance Transfer Installment Plan
Get Balance Transfers from 6 to 36 months with a low one-time upfront interest charged. Tame your credit card bills now with Affin Bank!


3X AFFIN Rewards Points with AFFIN DUO Mastercard Rewards

Elevate your lifestyle with the AFFIN DUO Mastercard Rewards credit card, a card that works hard to reward you up to 3X on your lifestyle spending.

Get an AFFIN DUO Visa Cash Back credit card that comes as a pair when you apply for this credit card too!

So how can you earn the reward points? It is as easy as pie!

Every time you spend at least RM1 when you're out dining with your friends or family using the AFFIN DUO Mastercard Rewards credit card, you could earn 3X AFFIN Rewards Points.

Even grocery shopping and petrol fueling could grant you 3X AFFIN Rewards Points too. The more you spend, the more reward points you can collect.

Now with unlimited points to earn, you can enjoy the freedom to maximise your AFFIN Rewards Points by redeeming variants of merchandise, vouchers and/or air miles.

Annual fee waiver

For the first 3 years, the AFFIN DUO Mastercard Rewards is free of charge. Once approved, all you need to pay is the Sales and Service Tax of RM25.

In the subsequent year, the annual fee for the Principal card is RM75 and RM30 for the Supplementary card.

Nonetheless, you still get to enjoy the annual fee waiver when you swipe a minimum of 12 times on retail transactions in a year from the fourth year onwards.

Get financial peace of mind with AFFIN Credit Shield 

Have an outstanding balance on your monthly statement? Worry not! 

Sign up for AFFIN Credit Shield -- an insurance protection plan that pays the outstanding balance of your credit card should an unforeseen event occur and affect your finances. Here's a brochure for you to check out.

This insurance protection plan covers until the age of 65 years which includes:

  • Death benefit: up to a maximum of RM300,000 of the insured's credit card outstanding statement balance
  • Total and Permanent Disability (TPD) benefit: up to a maximum of RM300,000 of the insured's credit card outstanding statement balance
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