AFFIN DUO Visa Cash Back

Earn up to 3% cashback whenever you shop online, top up your e-Wallet and make an auto-billing transaction. Enjoy 3 years annual fee waiver too!

AFFIN DUO Visa Cash BackCashback & Annual fee waiver
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 3%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

Earn 3% cashback each time you shop on any e-commerce or online transactions, top up your e-Wallets and make auto-billing transactions of up to RM80 per month.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Online Spending3%RM50from RM1up to RM3,000 monthly
E-Wallet Reloads/Transactions3%RM50from RM1up to RM3,000 monthly
Auto-Billing3%RM50from RM1up to RM3,000 monthly
Online Spending3%RM80from RM3,000 or above monthly
E-Wallet Reloads/Transactions3%RM50from RM3,000 or above monthly
Auto-Billing3%RM80from RM3,000 or above monthly

Balance Transfer

Consolidate all your outstanding balance into one manageable sum with Affin Bank Balance Transfer Instalment Plan and make full use of the low upfront interest rate charges you get.

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

Select your desired payment tenure from 6 months to as long as 36 months for your purchases with Affin Bank Easy Instalment Plan.

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

    First 3 years free

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

  • 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
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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!

Review

Get 3% cashback with AFFIN DUO Visa Cash Back

Online shopping and transactions get more rewarding when you spend using the AFFIN DUO Visa Cash Back credit card.

It gets even better! Upon card application, you will receive an AFFIN DUO Mastercard Rewards credit card that comes as a pair too.

With every Ringgit transacted on any e-commerce or online retail transaction, as well as auto-billing on your online monthly subscriptions like Netflix, Spotify, etc using AFFIN DUO Visa Cash Back, you will earn 3% cashback equivalent to a maximum of RM80 per month credited into your account.

On the other hand, spending on any E-Wallet reload or transaction with this card earns you 3% cashback too but with a maximum of RM50 cap per month.

Side note, the cashback is not applicable for government services transactions, charity-related transactions, payment via JomPay, online banking, FPX, and Mail Order/Telephone Order (MOTO).

When will the cashback be credited into my account?

The cashback earned will be credited into your account on the statement cycle date of your AFFIN DUO Visa Cash Back credit card and will be reflected in your current monthly statement.

If transactions were made on the same day of the card's statement cycle date, the cashback will be credited in the next statement.

Example:

Case 1Case 2
Statement cycle date: 18 May 2021

You spent RM100 at Lazada on 15 May 2021,
and the transaction is recorded in the card system on
16 May 2021.

RM3 cashback will be credited and reflected into your
current month statement dated 18 May 2021.
Statement cycle date: 18 May 2021

You spent RM100 at Lazada on 15 May 2021,
but the transaction is recorded in the card system on
18 May 2021.

RM3 cashback will be credited and reflected into your
current month statement dated 18 June 2021.

Enjoy Annual Fee Waiver with AFFIN DUO Visa Cash Back

If your yearly income is RM24,000 and you are 21 years old and above, you can get yourself this AFFIN DUO Visa Cash Back credit card.

Once approved, all you need to pay is the Sales and Service Tax of RM25.

For the first 3 years, the annual fee is waived but you still can enjoy the annual fee waiver for the subsequent year when you spend a minimum of 12 times on retail transactions in a year.

What are the eligible e-Wallets for the cashback?

3% cashback will be rewarded when you reload or transact using the following e-Wallets:

  • BigPay
  • Boost
  • GKash eWallet
  • GrabPay
  • KiplePay / KiplePark
  • Lazada Wallet
  • Mcash
  • Setel
  • ShopeePay
  • Touch 'n Go Prepaid Card
  • Touch 'n Go eWallet
  • Zapp
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