AFFIN Islamic Mastercard Classic credit card

AFFIN Islamic Mastercard Classic

Upgrade cash payment to AFFIN Islamic MasterCard to earn rewards point, complimentary Takaful coverage and flexible line of credits

  • 15% p.a. profit rate
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

For every Ringgit spent on retail purchases locally and overseas, earn 1 AFFIN Rewards Point to redeem various items under this loyalty program
AFFIN Rewards Points
1 point on every RM1on all local and overseas retail transactions
Your AFFIN Rewards Points earned expires in  3 years
Balance Transfer
Transfer your outstanding credit card balance of RM1,000 to Affin Islamic credit card and enjoy one-time up-front competitive profit rate as low as 2% and flexible repayment tenure
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM2000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM2000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank Balance Transfer Installment Plan
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
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
18 months5% one-time upfront handling feefrom RM2000 
24 months6% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank EiPlan
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
Travel InsuranceUp 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
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
  • Free for life
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
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
Daily Maximum Cash Withdrawal
25% of total amount
Contact-less Payment Methods
MasterCard PayPass


Are you eligible for this credit card?

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


Get some extra help from your credit card when you need it most

Easy Payment Plan
AffinBank EiPlan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
AffinBank Balance Transfer Installment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AFFIN Islamic Mastercard Classic review

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

ZERO Annual Fee for AFFIN Islamic Mastercard Classic Cardholders

AFFIN Islamic MasterCard Classic credit card is eligible for those earning RM24,000 annually, aged 21 years and above, with ZERO annual fee.

All you need to pay upon the credit card approval and anniversary date is the Sales and Service Tax of RM25.

AFFIN Rewards Points

Enter a gateway of rewards with AFFIN Islamic MasterCard credit card. By spending every Ringgit on retail transaction locally and overseas, you earn 1 AFFIN Rewards Points, which can be redeemed with exciting items ranging from merchandise, gift vouchers, gadget and many more.

AFFIN Islamic Mastercard Classic, for Halal Goods and Services only

Just so you know, AFFIN Islamic MasterCard Classic 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 Classic 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 through AFFIN Islamic Mastercard Classic

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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