AFFIN Islamic Mastercard Gold

Get 1x AFFIN Rewards Point for every Ringgit spent and convert to air miles. Enjoy 0% EPP for retail purchases, plus a low-rate balance transfer plan too.

AFFIN Islamic Mastercard Gold1x rewards point for all retail spend
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


For every Ringgit spent on retail purchases locally and overseas, earn 1x AFFIN Rewards Point to redeem various items under this loyalty program. Excluding transactions such as charity, government and petrol. Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points, and/or Malindo Miles and redeem your next free flights.

AFFIN Rewards Points
1 point on every RM1on local and overseas retail expenses


Spend and donate at the same time. With every retail transaction you made with AFFIN Islamic Mastercard Credit Card-i, the Bank will contribute a portion to selected charity organizations. Plus, get complimentary Funeral Expenses Coverage worth RM1,000.

Balance Transfer

Transfer your outstanding credit card balance of RM1,000 to Affin Islamic credit card and enjoy a 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 RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6%one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7%one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Shop at participating merchants with Affin Islamic Bank and pay a 0% profit rate when you convert the purchase into Easy Payment Plan.

AffinBank EiPlan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM2,000
12 months0% p.a. and no one-time upfront handling feeRM2,000
24 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about AffinBank EiPlan

Fees & Charges

Annual Fee
  • RM150 primary card

    First year free

    Waived when you spend RM24,000 or swipe 12 times per year in the subsequent years

  • RM75 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
5% of outstanding amount
Late Payment Fee
1% of outstanding amount
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 70%
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
AffinBank EiPlan
AffinBank Easy Installment Plan converts your retail shopping into easy monthly payments. It's a simple and easy way to make shopping affordable.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Say hello to ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.
Balance Transfer Plans
AffinBank Balance Transfer Installment Plan
Get Balance Transfers from 6 to 36 months with a low one-time upfront interest charged. Tame your credit card bills now with Affin Bank!


Get an Annual Fee Waiver with AFFIN Islamic Mastercard Gold

Upgrade your credit card to AFFIN Islamic MasterCard Gold, eligible for those earning 24,000 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, and RM75 for the supplementary card; however, these annual fees are waived for the first year. 

You can still enjoy an 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 the AFFIN Islamic MasterCard credit card. 

By spending every Ringgit on retail transactions locally and overseas, you earn 1x AFFIN Rewards Point.

Collect AFFIN Rewards Points to redeem exciting items ranging from air miles, merchandise, gift vouchers, gadget and many more!

Flexible Credit Lines

For your information, the AFFIN Islamic MasterCard 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 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 an ATM machine for 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!

AFFIN Islamic Mastercard Gold, for 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.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product