Reward points & annual fee waiver
3X AFFIN Rewards Points with AFFIN DUO Mastercard Rewards
The AFFIN DUO Mastercard Rewards is designed for Malaysians who want to earn rewards on their essential daily expenses. Whether you're someone who dines out frequently, does regular grocery shopping, or spends on petrol, this card ensures that every ringgit you spend brings you valuable rewards.
With 3X AFFIN Rewards Points on dining, groceries, and petrol, unlimited points accumulation, and a three-year points validity period, this card offers long-term value without additional costs.
Earn More with Every Swipe
One of the biggest highlights of the AFFIN DUO Mastercard Rewards is its ability to earn 3X AFFIN Rewards Points on the most common spending categories:
- Dining: Whether you enjoy eating out, ordering food delivery, or grabbing coffee, you earn triple points on every transaction.
- Groceries: Weekly or monthly supermarket runs become more rewarding with 3X points on grocery spending.
- Petrol: Every fuel-up contributes to your points balance, making this card perfect for those who drive regularly.
For all other spending categories, you will still earn 1X AFFIN Rewards Point per RM1 spent, ensuring that every purchase contributes to your rewards accumulation.
No Cap on Points & Generous Expiry Period
Unlike some cards that limit the number of points you can earn, the AFFIN DUO Mastercard Rewards offers unlimited points accumulation. This means you can collect as many points as you want without restrictions. Plus, your points remain valid for three years, giving you ample time to save up and redeem for higher-value rewards.
Easy Redemption for Shopping, Travel & More!
Earning points is only useful if you can redeem them for meaningful rewards. AFFIN makes this process seamless through the AFFIN Rewards Portal, where you can exchange your points for a variety of benefits:
| Category | Redemption Options |
| Shopping vouchers | Redeem vouchers from leafing brands and e-commerce platforms. |
| Travel Rewards | Convert points into air miles or hotel stays. |
| Lifestyle Products | Get the latest gadgets, electronics, and home appliances. |
| Dining & Leisure | Enjoy discounts, free meals, and entertainment perks. |
Annual Fees With an Easy Waiver
For the first three years, this card comes with zero annual fees, making it an excellent choice for budget-conscious cardholders. Even after that, the annual fee can be waived simply by making a minimum of 12 transactions per year, a requirement that most active users can easily fulfill.
This makes it incredibly easy to maintain a lifetime fee waiver. Since most people easily make at least one transaction per month, keeping this card free for life is effortless.
Flexible Instalment Plans to Manage Finances Better
The AFFIN DUO cards aren’t just for spending, they also provide smart financial solutions to help you manage expenses efficiently. Whether you want to consolidate debts, convert purchases into easy installments, or get extra cash when needed, these plans give you the flexibility to take control of your finances.
| Plan Name | Description |
| Balance Transfer Instalment Plan (BTiP) | Transfer outstanding balances from other credit cards and repay them over up to 36 months at lower interest rates. This is an excellent way to consolidate high-interest debts into a manageable plan. |
| 0% Easy Payment Plan (EPP) | Convert big-ticket purchases into interest-free instalments at over 5,000 participating merchants for 3 to 60 months. Ideal for items like smartphones, laptops, and home appliances. |
| Fixed Payment Plan (FPP) | Convert eligible purchases into fixed monthly instalments for up to 36 months, helping you manage large expenses without financial strain. |
| Cash-on-Call Instalment Plan (CIP) | Need urgent cash? Withdraw funds from your credit card limit and repay them in fixed instalments for up to 24 months. |
| Auto Balance Conversion (ABC) | Struggling with full payments? Your outstanding balance can be automatically converted into a structured instalment plan at a lower 13% per annum interest rate. |
Added Protection for Peace of Mind
To further enhance your financial security, AFFIN also offers:
- AFFIN Credit Shield – A term protection plan that ensures your outstanding credit card balance is covered in case of unforeseen circumstances.
- AFFIN Takaful myCredit Shield – A Shariah-compliant version of the same protection plan for AFFIN ISLAMIC cardholders.
The AFFIN DUO Mastercard Rewards is a fantastic option for those who want high rewards, no annual fees for three years, and flexible payment plans. With 3X points on essential spending categories, unlimited points accumulation, and easy redemption options, this card is well-suited for individuals looking to maximize their everyday spending. Additionally, the variety of financial management features ensures that you have greater control over your expenses.
