Cashback & annual fee waiver
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.
