AFFIN Islamic World Mastercard credit card

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

  • 12% p.a. profit rate
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 36 months
  • RM500.00 annual fee
  • Earn up to 3x reward points 

Apply online now for AFFIN Islamic World Mastercard

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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 local retail transaction
3 points on every RM1on all overseas retail transaction
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 RM1000 
12 months0% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM2000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM2000 
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
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 RM100000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM1000
Delayed LuggageUp 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
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • First year free
  • Waived when you spend RM48,000 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
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
70% 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 World Mastercard review

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

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!

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