AFFIN Islamic World Mastercard

An elite travel credit card which gives you rewards points, golf privileges, airport lounge access, an annual fee waiver and personalised MasterCard services.

AFFIN Islamic World MastercardPremium travel & lifestyle benefits
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
12% p.a.
20 days


Earn 3x AFFIN Rewards Points to redeem various items under this loyalty program for every Ringgit spent on retail purchases overseas. Local retail spending gets you 1x AFFIN Rewards Points. Please note that spending criteria that have been excluded include charity, government and petrol transactions. The accumulated points can also be converted to air miles from Enrich Points, AirAsia BiG Points and Malindo Miles.

AFFIN Rewards Points
3 points on every RM1on all overseas retail transactions
1 point on every RM1on local retail transactions


Enjoy 6X complimentary access to participating Plaza Premium Lounge in Malaysia and selected countries, subject to a minimum of RM3,000 in the latest credit card statement. Your accompanying guest(s) can also enjoy a 25% discount on all Plaza Premium Lounges in Malaysia, including a 20% discount on access to overseas PPL. You as the Principal cardholder can enjoy these discounts too, given you've used up the free passes or if you didn't get to reach the spending amount criteria.


Practice your swing with complimentary green fees at selected golf clubs in Malaysia and selected Southeast Asian countries, applicable to Principal cardholders only and subject to a minimum of RM3,000 in the latest credit card statement. Other terms apply! What's more, enjoy personalised assistance with MasterCard Global Service, World MasterCard Concierge Service and AFFIN Islamic World MasterCard Customer Service. Get complimentary Funeral Expenses Takaful 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
12 months0% p.a.and no one-time upfront handling feefrom RM2,000
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
  • RM500 primary card

    First year free

    Waived when you spend RM48,000 or swipe 12 times on retail transactions per year on 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
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
Tame your credit card bills and transfer your outstanding balance to a new Affin Bank credit card for 12 months at 0% one-time upfront interest.


Enjoy an Annual Fee Waiver with AFFIN Islamic World Mastercard

Elevate your income status and get the recognition you deserve with the 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 the supplementary card. 

You can still enjoy an annual fee waiver when you spend RM48,000 or swipe 12 times per year in subsequent years.

AFFIN Rewards Points

AFFIN Islamic World MasterCard will be a rewarding credit card to carry around in your wallet. This is because you can earn 1x AFFIN Rewards Point when you spend every Ringgit on retail transactions locally, except for charity, government and charity transactions.

Meanwhile, every RM1 spent on overseas retail transactions gets you 3x AFFIN Rewards Points.

The accumulated points then can be redeemed for exciting items ranging from merchandise, gift vouchers, gadgets, air miles such as Enrich Points, AirAsia BiG Points and Malindo Miles, and many more.

Complimentary Airport Lounge Access

Beat the long queue and crowded boarding room with 6 times access per year at participating Plaza Premium Lounge in Malaysia and selected airports overseas. 

Just spend a minimum of RM3,000 on the latest month's credit card statement to enjoy this luxury.

Not spending that much? No worries, you and your guest(s) may still get discounts of up to 25% at the selected Plaza Premium Lounges. 

And the best part is, children aged 2 years and below will get free access to the airport lounges at all times. 

Find out more details about the airport lounge benefit in the T&C here. Check out the list of participating Plaza Premium Lounges as well while you're at it!

AFFIN Islamic World Mastercard Golf Privilege Program

All AFFIN Islamic World MasterCard credit cardholders will get to enjoy complimentary green fees at golf courses in Malaysia and selected Southeast Asian countries under this program, subject to a minimum spending of RM3,000 in the previous month's statement.

Read the terms and conditions here and check out the list of participating golf courses here.

Flexible Credit Lines

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

For example, you can use a Balance Transfer plan to settle all your credit card(s) outstanding or a 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 70% of your facility limit.

Halal Goods and Services only

Just so you know, the AFFIN Islamic World 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).

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.

Charity Contribution Through AFFIN Islamic World 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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