AFFIN DUO+ Mastercard

Earn 3x AFFIN Rewards Points on airlines, hotels and overseas transactions.

AFFIN DUO+ MastercardPoints for travellers
Min. Income
RM400/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Rewards

Earn 3x AFFIN Rewards Points on airlines, e-commerce, duty free, hotels and overseas transactions, with no cap on accumulation. Points are valid for 3 years from the date of issuance and can be converted to Enrich Miles, AirAsia BIG Points or Batik Air Club Points for flight redemptions.

EarnSpend
3 points on every RM -on Airlines e-Commerce, online Duty free, Hotels and Overseas transactions

Balance Transfer

Simplify your credit card debt with the AFFIN Bank Balance Transfer Instalment Plan (BTiP). Transfer your outstanding balance from other banks and enjoy a one-time interest rate as low as 2% with a flexible repayment period of up to 36 months.

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a.and no one-time upfront handling feefrom RM2,000
12 months0% p.a. and 1.5% one-time upfront handling feefrom RM2,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Need to make a big purchase? With AFFIN 0% Easy Payment Plan, you can shop at participating merchants and split your payments into 0% interest-free instalments. Enjoy flexible repayment terms and ease your cash flow without paying extra charges.

AFFIN 0% Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
60 months0% p.a. and no one-time upfront handling feeRM500
Learn more about AFFIN 0% Easy Payment Plan

Fees & Charges

Annual Fee
  • RM100 primary card

    First 3 years free

    Waived when 12 swipes per year for subsequent years

  • RM50 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RM20 or 5% of withdrawn amount, whichever is higher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
18%

Requirements

Minimum Annual Income
RM4,800
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
AFFIN 0% Easy Payment Plan
AffinBank Easy Installment Plan lets you split your retail purchases into manageable monthly payments, making shopping more affordable and hassle-free.
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
Tame your credit card bills and transfer your outstanding balance to a new Affin Bank credit card for 12 months at 0% one-time upfront interest.

Review

3X AFFIN Rewards Points with AFFIN DUO+ Mastercard

The AFFIN DUO+ Mastercard rewards spending on airlines, e-commerce, duty free, hotels and overseas transactions with 3X AFFIN Rewards Points. Points accumulation is unlimited and valid for three years.

Earn More on Travel and Online Spend

The AFFIN DUO+ Mastercard awards 3X AFFIN Rewards Points on five categories:

  • Airlines: every flight booking earns triple points, whether booked directly or through a travel platform.
  • E-commerce and online transactions: online purchases, subscriptions and digital services all qualify.
  • Duty free: spending at duty free outlets during travel earns the same rate.
  • Hotels:  accommodation bookings earn 3X points.
  • Overseas transactions: any purchase made in foreign currency earns 3X points.

For all other retail transactions, cardmembers earn 1X AFFIN Rewards Point per RM1 spent.

No Cap on Points, Three-Year Validity

Points accumulation is unlimited and valid for three years from the date of issuance.

Convert Points to Air Miles

AFFIN Rewards Points can be converted to Enrich Miles, AirAsia BIG Points or Batik Air Club Points. Conversion starts from 14,000 AFFIN Rewards Points to 1,000 Enrich Points, with no cap on redemption.

Annual Fee Waiver

The annual fee is waived for the first three years. From the fourth year onwards, the fee is waived automatically with a minimum of 12 retail transaction swipes per year.

Credit Protection

AFFIN Credit Shield is a term protection plan that covers outstanding credit card balances under unforeseen circumstances. AFFIN ISLAMIC cardmembers can opt for AFFIN Takaful myCredit Shield, the Shariah-compliant version of the same plan.

Credit Card » Affin Bank
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