AFFIN DUO+ Visa

Earn 3% cashback on contactless transactions, capped at RM100 a month.

AFFIN DUO+ Visa3% contactless cashback
Min. Income
RM400/month
Annual Fee
RM100
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

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Cashback

Earn 3% cashback on contactless transactions, capped at RM100 per month for card accounts with a previous balance of RM8,000 and above, or RM50 for balances below RM8,000. Government services and charity transactions are excluded.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Contactless Transaction3%RM100any amount monthly

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
  • 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 RM99
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RM20 or 5% of withdrawn amount, whichever is higher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

3% Cashback on Contactless Transactions with AFFIN DUO+ Visa

The AFFIN DUO+ Visa is a cashback card for Malaysians who pay by contactless for their daily purchases. Groceries, dining, retail or any contactless transaction earns 3% cashback, capped at RM100 per month depending on the previous card balance.

How To Earn The 3% Cashback?

Every contactless transaction earns 3% cashback, subject to the following conditions:

  • RM100 cashback cap for cardmembers with a previous card balance of RM8,000 and above.
  • RM50 cashback cap for cardmembers with a previous card balance below RM8,000.

Government services and charity transactions are excluded from cashback eligibility.

Is There Any 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.

Who Is Suitable For This AFFIN DUO+ Visa Credit Card?

The AFFIN DUO+ Visa works best for cardmembers who pay by contactless regularly and want cashback without a complicated rewards structure. The tiered cashback cap and automatic annual fee waiver keep the card straightforward to maintain.

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