AFFIN Islamic Mastercard Gold credit card

AFFIN Islamic Mastercard Gold

Get AFFIN Rewards Point for every Ringgit spent and free Takaful coverage. Also enjoy 0% EPP for retail purchases and low rate balance transfer plan

  • 12% p.a. profit rate
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 36 months
  • RM150.00 annual fee
  • Earn up to 1x reward point 

Apply online now for AFFIN Islamic Mastercard Gold

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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 retail transactions
Your AFFIN Rewards Points earned expires in  3 years
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
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM3000 
12 months0% p.a. and 0% one-time upfront handling feefrom RM5000 
12 months0% p.a. and 2.5% one-time upfront handling feefrom RM3000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM3000 
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
Get complimentary flight and travel Takaful coverage up to RM500,000 when you charge your travel tickets to Affin Islamic credit cards
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM500
Delayed LuggageUp to RM500
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
  • First year free
  • Waived when you spend RM24,000 or swipe 12 times per year in the subsequent years
Annual Fee for Supplementary Card
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
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

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 Gold review

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

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 and overseas, you earn 1 AFFIN Rewards Points, which can be redeemed with exciting items ranging from merchandise, gift vouchers, gadget and many more.

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 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 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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