AFFIN Islamic Platinum Mastercard

Earn reward points for every Ringgit spent on dining, groceries and online/e-commerce transactions. Plus annual fee waiver on top of free Takaful coverage for travel and funeral expenses!

AFFIN Islamic Platinum MastercardConvert rewards points to air miles
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get AFFIN Rewards Points for dining, groceries, and online/e-commerce transactions. For every Ringgit spent on other retail purchases locally, you get 1x AFFIN Rewards Point, excluding charity, government, and petrol transactions.

AFFIN Rewards Point
2 points on every RM1on all overseas retail spends
1 point on every RM1on all local retail transactions


Enjoy complimentary access to Plaza Premium Lounges in Malaysia with accompanying guests get 25% and 20% access discounts in Malaysia and overseas respectively. Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points, and/or Malindo Miles and redeem your next free flights.

Profit Rate

Enjoy a low profit rate of 12% p.a. on your retail purchases when you make a 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. Enjoy 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 months2% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
18 months5% one-time upfront handling feeRM2,000
24 months6% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about AffinBank EiPlan

Fees & Charges

Annual Fee
  • RM300 primary card

    First year free

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

  • RM150 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 90%
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!


Earn AFFIN Rewards Points with AFFIN Islamic Platinum Mastercard

Enter a gateway of rewards with the AFFIN Islamic MasterCard credit card. By spending every Ringgit on a local retail transaction, you earn 1x AFFIN Rewards Point. While for overseas spending, you will get 2x AFFIN Rewards Points for every RM1.

The accumulated points then can be redeemed with exciting items ranging from merchandise, gift vouchers, gadget and many more.

Annual Fee Waiver

If you earn RM30,000 annually, aged 21 years and above, you can get your hands on AFFIN Islamic Platinum MasterCard. 

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 the supplementary card is waived. 

You can still enjoy an annual fee waiver when you spend RM36,000 in a year or swipe 12 times per year.

Halal Goods and Services only

Just so you know, AFFIN Islamic MasterCard credit cards 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.

Flexible Credit Lines

To meet your varied financial needs, the AFFIN Islamic MasterCard credit card offers a range of lines 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 an ATM machine for up to 90% of your facility limit.

Give Back to the Society with AFFIN Islamic Platinum Mastercard

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!

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