Cashback & annual fee waiver
AFFIN Bank "Switch and Be Rewarded" Credit Card Campaign
Ready for an amazing welcome gift? Switch to an AFFIN credit card today and get rewarded for your very first purchase!
From now until 31 December 2025, apply for a new AFFIN Credit Card and receive 10,000 AFFIN Rewards Points or enjoy a lifetime annual fee waiver when you make your first transaction. Terms and conditions apply!
Who can join this campaign?
To be eligible for this offer, you just need to meet these criteria:
- You must apply for a principal AFFIN Bank/ AFFIN Islamic Bank Credit Card/-i.
- Get your card approved during the Campaign Period.
- Your application must be submitted through AFFIN's online channels and approved during the Campaign Period.
- Your account must be in good standing with a valid Eligible Card throughout the Campaign Period and at the time of campaign fulfilment.
Who is not eligible to participate?
The following persons are NOT eligible to participate in the Campaign:
- Existing principal or supplementary Cardmembers who apply for an additional AFFIN Card during the Campaign Period.
- Individuals who cancelled any existing AFFIN Cards in the past twelve (12) months prior to the new application date.
- Cardmembers who are in default of payment, or whose accounts have been suspended, blacklisted, cancelled, or terminated at any time during the Campaign Period or fulfilment.
- Cardmembers suspected of fraudulent, unlawful, or wrongful acts related to their accounts.
- Non-individual customers (e.g., sole proprietorships, corporate entities, associations, etc.).
- Cardmembers who have been declared bankrupt or are subject to bankruptcy proceedings.
- Cardmembers whose accounts are held with the Bank are delinquent or unsatisfactorily conducted.
How do I receive the rewards?
To snag either the 10,000 AFFIN Reward Points or the lifetime annual fee waiver, just make sure you activate your card and hit the required retail transactions within 45 days of your card's approval. What you get will depend on your card type and how many transactions you make.
| Reward | Eligible Card Types | Qualifying Criteria |
| 10,000 Reward Points | - AFFIN Invikta credit card/-i - AFFIN World credit card/-i - AFFIN Avance credit card/-i - AFFIN Avance Affiliate credit card/-i - AFFIN Duo+ Mastercard Rewards credit card/-i - AFFIN Duo Mastercard Rewards /-i - AFFIN UKM credit cards /-i - AFFIN MPN credit card/-i - AFFIN UiTM credit card /-i |
Activate and perform one (1) retail transaction of any amount with each Eligible Card. |
| Lifetime Annual Fee Waiver | - AFFIN Invikta credit card/-i - AFFIN World credit card/-i - AFFIN Duo+ credit card/-i - AFFIN Duo credit card/-i |
Activate and perform three (3) retail transactions of any amount with each Eligible Card. |
Important things to note!
Referring to the terms and conditions, here are some things that you should take note of:
- Each eligible cardmember is entitled to win one prize only.
- Unlawful transactions, and transactions such as cash withdrawals, cash advances, balance transfers, EPP monthly instalments, fees or charges, outstanding balance payments, and payments to government bodies, utilities and charities are not considered eligible retail spending.
- The rewards points are non-transferable and cannot be exchanged for cash.
When will I receive my rewards?
You'll get your Reward Points automatically added to your Eligible Card account within eight (8) weeks after the Campaign Period ends.
These points are valid for three (3) years from when they're added, so make sure to use or redeem them within that time frame, as outlined in the terms and conditions.
What are you waiting for? This is the perfect time to switch and discover the benefits of an AFFIN credit card. Apply now and get your rewards! If you have any questions, give AFFIN Bank a call at 03-8230 2222 for more information.
3% Cashback with AFFIN DUO Visa Cash Back
If you frequently shop online, pay your bills through auto-debit, or use eWallets for daily transactions, the AFFIN DUO Visa Cash Back is designed to put money back in your pocket. With an attractive 3% cash back on e-commerce transactions, eWallet reloads, and auto-billing, this card makes every ringgit spent online more rewarding. Plus, with zero annual fees for the first three years, it's a practical option for those who are looking to maximize savings without additional costs.
Earn 3% Cash Back on Everyday Digital Transactions
The AFFIN DUO Visa Cash Back card ensures that your digital lifestyle is well-rewarded. Whether you're making an online purchase, reloading your eWallet, or setting up recurring payments for utilities and subscriptions, you get to enjoy 3% cash back.
| Category | Cashback Rate | Eligible Transactions |
| e-Commerce | 3% | Online shopping, food delivery, digital subscriptions, and more. |
| eWallet Reloads | 3% | Reloads for popular eWallets like Touch ‘n Go eWallet, GrabPay, Boost, ShopeePay, and more. ( Refer here for eWallet partners) |
| Auto-Billing | 3% | Recurring payments for streaming services, utilities, and mobile bills. |
However, do note that certain transactions do not qualify for cash back, including payments for government services, charity donations, JomPAY, FPX, and Mail Order/Telephone Order (MOTO) transactions.
Monthly Cash Back Limit – How Much Can You Earn?
Your monthly cash back earnings are determined by the previous balance in your AFFIN DUO Visa Cash Back credit card statement. Here’s how much you can earn:
| Previous Month's Balance | Maximum Cashback | Max eWallet Cashback |
| RM3,000 and above | Up to RM50/month | Up to RM30/month |
| Below RM3,000 | Up to RM30/month | Up to RM30/month |
This means that if you maintain a previous balance of RM3,000 or more, you can enjoy a higher RM50 monthly cashback limit. But if your balance is below RM3,000, the cashback cap is RM30 per month.
Zero Annual Fees for Three Years
The AFFIN DUO Visa Cash Back card is completely free for the first three years. After that, the annual fee is waived as long as you make at least 12 transactions per year, making it an easy condition to fulfill for active cardholders.
Flexible Instalment Plans
Beyond cash back, the AFFIN DUO Visa Cash Back card also offers multiple financial management features to help you stay in control of your spending:
| 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. |
Extra Protection with AFFIN Credit Shield
For added security, AFFIN offers:
- AFFIN Credit Shield – A term protection plan that covers your outstanding credit card balance in unforeseen circumstances.
- AFFIN Takaful myCredit Shield – A Shariah-compliant version for AFFIN ISLAMIC cardholders.
The AFFIN DUO Visa Cash Back is a fantastic choice for those who frequently shop online, use eWallets, or pay recurring bills. With 3% cash back, a maximum rebate of RM50 per month, and no annual fees for three years, this card provides real, tangible savings on everyday digital transactions.
