5X Points Overseas & Golf Privileges
What is the AFFIN INVIKTA World Mastercard?
The AFFIN INVIKTA World Mastercard is a premier credit card tailored for high-income individuals who seek exclusive privileges, robust rewards, and comprehensive travel benefits. It serves as a passport to a world of premium experiences, from luxury lounge access and complimentary golfing to powerful rewards earning. The card is also available on both Conventional and Islamic banking platforms.
What are the most exclusive, premium benefits of the card?
- Complimentary Golf: You receive complimentary green fees and exclusive access to the finest golf courses in Malaysia and selected South East Asian countries. T&C applied.
- Airport Lounge Access: Enjoy up to 12X complimentary access to Plaza Premium Lounge locations across Malaysia and the world. Additional access for you and your guests can be purchased at a discount (25% off in Malaysia, 20% off overseas). Refer here for terms and conditions.
- Mastercard Services: You benefit from the Exclusive Mastercard Travel and Lifestyle Service, which offers bespoke assistance for exquisite dining, holiday treats, or special events.
- Dedicated Support: A 24-hour dedicated line (03-8230 2323) is available to assist you with any inquiries or issues.
How does the Rewards Programme work?
| Transaction Type | AFFIN Rewards Points Earned |
| Overseas Transactions | 5X AFFIN Rewards Points |
| Local Transactions | 1X AFFIN Rewards Points |
- Exclusions: It is important to note that rewards points are not earned on charity, government, and petrol transactions.
- No Capping: There is generally no cap on the AFFIN Rewards Points you can accumulate, maximizing your redemption potential.
Terms and conditions applied.
What are the key financial terms I should know?
- Annual Fee: The standard Annual Fee is RM500 for the principal card and RM400 for the supplementary card.
- Fee Waiver: The fee is waived for the first year. In subsequent years, the fee can be waived by either achieving a cumulative minimum annual spend of RM100,000, OR by making a minimum of twelve (12) retail transactions per annum.
- SST: A Service and Sales Tax of RM25 is imposed annually for both the principal and supplementary cards.
- Late Payment Fee: The penalty is 1% of the total outstanding balance, with a minimum of RM10 and a maximum of RM100.
- Forex Spread: International transactions will include a 1% foreign exchange spread on top of the currency conversion rate used by Mastercard International.
- Flexible Payment Plans: Easily convert your purchases into manageable instalments with the Fixed Payment Plan (FPP), Cash-on-Call Instalment Plan (CIP), or utilize the interest-free Easy Payment Plan (EPP).
- Debt Consolidation: Use the Balance Transfer Instalment Plan (BTiP) to combine outstanding balances into a single, manageable plan over tenures of up to 36 months.
How does the interest rate work?
The card utilizes a tiered finance charge structure to reward good payment behavior on retail transactions:
- Lowest Rate: You can achieve the lowest rate of 9% per annum if you promptly settle the minimum payment due for twelve consecutive months.
- Standard Rates: The rate increases to 17% per annum if you promptly settle the minimum payment for at least ten months in a twelve-month cycle, and goes up to 18% per annum if your payment record does not fall within the higher tiers.
- Interest-Free Period: A 20-day interest-free period applies to new retail transactions, but only if you settled the previous statement's current balance in full and on time.
What are the repayment and limit requirements?
- Minimum Payment: The minimum payment due is calculated as 5% of the Current Balance or a minimum of RM50, whichever is higher, plus any applicable taxes, instalments, and past due amounts.
- Cash Advance Limit: Cash advance (ATM withdrawal) is restricted to 20% of your total credit card limit or the available credit limit, whichever is lower.
- Cash Advance Fee: A fee of 5% of the cash advance amount applies, subject to a minimum of RM20.
- Early Settlement: Full settlement of Balance Transfer Instalment Plans (BTIP) or Fixed Payment Plans (FPP) within the lock-in period incurs a penalty of RM100 or RM50, respectively.
Who is eligible to apply for this card?
- Minimum Annual Income: The principal cardholder must earn a minimum of RM120,000 per annum.
- Age Requirement: The principal cardholder must be 21 years old and above, while supplementary cardholders must be 18 years old and above.
