Zero Annual Fee with AFFIN Islamic Mastercard Basic
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 building 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, the 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 it to purchase and pay for goods and services that are Halal (permissible) only.
The Islamic bank has the right to block any transactions that are not Halal such as gambling, liquor, cigarette, dating and escort services, among others.
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!
Flexible Credit Lines - AFFIN Islamic Mastercard Basic
For your information, the AFFIN Islamic MasterCard Basic credit card will have a facility limit of a maximum of 2 times your monthly income.
That said, you can have the freedom to use this AFFIN Islamic credit card to meet your financial needs.
For example, you can use a 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 machines up to 25% of your facility limit.