Enjoy Complimentary Takaful Coverage from AFFIN Islamic Mastercard Gold
This is not a common feature for a basic credit card, but Affin Islamic Bank will cover you up to RM500,000 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 times.
Annual Fee Waiver
Upgrade your credit card to AFFIN Islamic MasterCard Gold, eligible for those earning RM30,000 annually, aged 21 years and above.
All you need to pay upon credit card approval and anniversary date is the Sales and Service Tax of RM25.
This Gold MasterCard credit card charges an annual fee of RM150 for the principal card, whereas RM75 for supplementary card; however, these annual fees is waived for the first year.
You can still enjoy annual fee waiver when you spend RM24,000 in a year or swipe 12 times per year.
AFFIN Rewards Points
Enter a gateway of rewards with AFFIN Islamic MasterCard credit card.
By spending every Ringgit on retail transaction locally, you earn 1 AFFIN Rewards Points while overseas retail transactions will earn you 2 Points.
Collect AFFIN Rewards Points to redeem exciting items ranging from merchandise, gift vouchers, gadget and many more!
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 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 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!
AFFIN Islamic Mastercard Gold, for 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.