AFFIN Islamic Platinum Mastercard

Earn rewards point for every Ringgit spent and enjoy annual fee waiver every year on top of complimentary Takaful coverage for travel and funeral expenses!

12% p.a. profit rate
20 days penalty-free period
0% p.a. balance transfer over 36 months
RM300.00 annual fee
Earn up to 2x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for AFFIN Islamic Platinum Mastercard

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My income is greater than RM48000 a year. That's at least RM4000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

For every Ringgit spent on retail purchases locally, earn 1 AFFIN Rewards Point, whereas 2 AFFIN Rewards Points when spending overseas to redeem various items under this loyalty program

AFFIN Rewards Point
Earn	Spent
1 point on every RM1	on local retail transactions
2 points on every RM1	on overseas retail transactions

Your AFFIN Rewards Point 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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1.5% one-time upfront handling fee	from RM3000
12 months	0% p.a. and 0% one-time upfront handling fee	from RM5000
12 months	0% p.a. and 2.5% one-time upfront handling fee	from RM3000
18 months	0% p.a. and 5% one-time upfront handling fee	from RM3000
24 months	0% p.a. and 6% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from 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

Travel

Get complimentary flight and travel Takaful coverage up to RM1 million when you charge your travel tickets to Affin Islamic credit cards

Travel Coverage	Sum Insured
Travel Insurance	Up to RM1000000
Delayed Flight	Up to RM1000
Missed Flight	Up to RM1000
Lost Luggage	Up to RM1000
Delayed Luggage	Up to RM1000

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

RM300.00

First year free
Waived when you spend RM36,000 or swipe 12 times per year in the subsequent years

Annual Fee for Supplementary Card

RM150.00

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

18%

Daily Maximum Cash Withdrawal

90% of total amount

Contact-less Payment Methods

MasterCard PayPass

Requirements

Are you eligible for this credit card?

Minimum annual income: RM48000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Anybody

Features

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 Platinum Mastercard review

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

Annual Fee Waiver

If you earn RM48,000 annually, aged 21 years and above, you can get your hand on AFFIN Islamic MasterCard Platinum. All you need to pay upon credit card approval and anniversary date is the Sales and Service Tax of RM25.

For the first year, the annual fee of RM300 for the principal card and RM150 for supplementary card is waived. You can still enjoy annual fee waiver when you spend RM36,000 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, whereas 2 AFFIN Rewards Points when spending overseas.

The accumulated points then 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

Travel with peace of mind when you charge full airline fare with AFFIN Islamic MasterCard credit card as you will be covered up to RM1 million Flight & Travel Personal Accident Takaful.

This coverage is inclusive of compensation for travel inconveniences in case your flight is missed or delayed, or you baggage is lost or delayed.

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

To meet your varied financial needs, AFFIN Islamic MasterCard credit card offers a range of line of credits with flexible repayment methods at competitive rates.

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 90% of your facility limit.

Charity Contributions

The best part about this 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!