AFFIN Islamic Mastercard Basic credit card

AFFIN Islamic Mastercard Basic

Free for life basic credit card offering low profit charge, complimentary Takaful coverage and flexible lines of credits

  • 12% p.a. profit rate
  • 20 days penalty-free period
  • RM0.00 annual fee

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Benefits

Because you should be rewarded for giving the bank your business

Balance Transfer
Transfer your outstanding credit card balance to Affin Islamic credit card up to 90% of credit limit and enjoy competitive rate and flexible repayment tenure
Easy Payment Plan (EPP)
Shop at participating merchants with Affin Islamic Bank and pay 0% profit rate when you convert the purchase into Easy Payment Plan
Travel
Get complimentary flight and travel Takaful coverage up to RM250,000 when you charge your travel tickets to Affin Islamic credit cards
Travel CoverageSum Insured
Personal AccidentUp to RM250000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM250
Delayed LuggageUp to RM250
Low Profit Rate
Enjoy low profit rate at 12% p.a. on your retail purchases when you make minimum payment on or before the payment due date
Premium
Spend and donate at the same time. With every retail transaction you made with AFFIN Islamic Mastercard Credit Card-i, the Bank will contribute to selected charity organizations

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
17.5%
Daily Maximum Cash Withdrawal
25% of total amount
Contact-less Payment Methods
MasterCard PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

AFFIN Islamic Mastercard Basic review

What's so good (or not so good) about it?

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.

Charity Contributions

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!

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