AFFIN Islamic World Mastercard

An elite travel credit card giving you rewards point, golf privilege, airport lounge access, annual fee waiver, Takaful coverage and personalized MasterCard services

AFFIN Islamic World MastercardGolf and Airport Perks
Min. Income
RM6,666.67/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
12% p.a.
Interest-free
20 days

Rewards

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
EarnSpend
1 point on every RM1on all local retail transaction
3 points on every RM1on all overseas retail transaction

Travel

Enjoy 6X complimentary Plaza Premium Lounge access every year in Malaysia, Indonesia, Cambodia, Philippines, Singapore, Taiwan and Saudi Arabia. Get automatically covered up to RM1 million with Travel and Personal Accident Takaful when you charge your travel tickets to Affin Islamic credit cards

Travel CoverageSum Insured
Personal AccidentUp to RM100,000
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

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

Practice your swing at complimentary green fees at selected golf clubs in the region. Get personalized assistance with MasterCard Global Service, World MasterCard Concierge Service and AFFIN Islamic World MasterCard Customer Service.

Balance Transfer

Transfer your outstanding credit card balance of RM1,000 to Affin Islamic credit card and enjoy 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

Fees & Charges

Annual Fee
  • RM500 primary card

    First year free

    Waived when you spend RM48,000 or swipe 12 times per year in the subsequent years

  • RM400 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
18%
Daily Maximum Cash Withdrawal
Up to 70%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM80,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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 low one-time upfront interest charge starting. Tame your credit card bills now with Affin Bank!

Review

Annual Fee Waiver

Elevate your income status and get the recognition your deserve with AFFIN Islamic World MasterCard credit card. All you need to pay upon credit card approval and anniversary date is the Sales and Service Tax of RM25.

For the first year, Affin Islamic Bank waives the annual fee of RM500 for the principal card and RM400 for supplementary card is waived. You can still enjoy annual fee waiver when you spend RM48,000 in a year or swipe 12 times per year.

AFFIN Rewards Points

AFFIN Islamic World MasterCard will be a rewarding credit card to carry around in your wallet all over the world. This is because you can earn 1 AFFIN Rewards Points when you spent every Ringgit on retail transaction locally and overseas.

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

Airport Lounge Access

Beat the long queue and crowded boarding room with 6 times access per year at Plaza Premium Lounge in the region and Saudi Arabia. Just spend a minimum of RM2,000 in the latest month's credit card statement or RM24,000 per year to enjoy this luxury.

Besides, you and your guest(s) will also get discounts up to 25% at all Plaza Premium Lounges. And the best part is, children aged 2 years and below will get free access to the airport lounges at all time. 

Golf Privilege Program

All AFFIN Islamic MasterCard credit cardholders will get to participate 2 sub-programs under this Golf Privilege Program, subject to a minimum spending of RM2,000 in the previous month's statement or RM24,000 per annum:

  1. 3x Complimentary Green Fees at selected golf clubs in Malaysia and Indonesia
  2. Exclusive access at a preferred rate at 4 golf clubs in Singapore, Vietnam, Thailand and Philippines.

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. That's not all, you will also get an additional Personal Accident Takaful coverage of up to RM100,000.

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 70% of your facility limit.

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.

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!