Annual Fee for Life
For those earning RM24,000 annually, aged 21 years and above, owning an AFFIN Islamic MasterCard Basic credit card can be a good start to build your financial scorecard.
This basic Islamic credit card has no annual fee for a lifetime. All you need to pay upon credit card approval and anniversary date is the Sales and Service Tax of RM25.
Halal Goods and Services only
Just so you know, AFFIN Islamic MasterCard credit card can be used at over 30 million merchants worldwide - but there is a catch. Since this is a Shariah compliant credit card, you can only use to purchase and pay for goods and services that are Halal (permissible) only.
The Islamic bank has the rights to block any transactions that are not Halal such as gambling, liquor, cigarette, dating and escort services, among others.
Complimentary Takaful Coverage
This is not a common feature for a basic credit card, but Affin Islamic Bank will cover you up to RM250,000 Flight & Travel Personal Accident Takaful when you charge full airline fare with AFFIN Islamic MasterCard credit card - save you on third party travel insurance cost.
Besides that, you will also get a complimentary Funeral Expenses Coverage of RM1,000, which can go toward easing the expenses in difficult time.
Flexible Credit Lines
For your information, AFFIN Islamic MasterCard credit card will have a facility limit of maximum 2 times your monthly income. That said, you can have the freedom to use this credit card to meet your financial needs.
For example, you can use Balance Transfer plan to settle all your credit card(s) outstanding or Cash Instalment Plan to supplement your cash needs. You can also enjoy 0% EPP with this basic credit card at participating merchants with the bank.
You are also allowed to withdraw cash from your credit card at ATM machine up to 25% of your facility limit.
The best part about this basic credit card from Affin Islamic Bank is that for every retail purchase you have made, the bank will contribute a small percentage of that transaction to selected charity organizations - that's a merit point for you!