AFFIN Islamic World Mastercard

An elite travel credit card gives you rewards points, golf privileges, airport lounge access, an annual fee waiver, Takaful coverage 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


For every Ringgit spent on retail purchases overseas, earn up to 3x AFFIN Rewards Points to redeem various items under this loyalty program. Local retail spend gets you 1x AFFIN Rewards Point.

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


Enjoy 6X complimentary passes to the participating Plaza Premium Lounge every year locally and internationally. Get automatically covered up to RM100,000 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
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

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.


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. 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
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
  • RM500 primary card

    First year free

    Waived when you spend RM48,000 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
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
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!


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 is waived. 

You can still enjoy an 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 1x AFFIN Rewards Point when you spent every Ringgit on retail transactions locally.

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, gadget 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 the region and selected airports overseas. 

Just spend a minimum of RM2,500 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 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 the Philippines.

Complimentary Takaful Coverage

Travel with peace of mind when you charge full airline fare with an AFFIN Islamic World MasterCard credit card as you will be covered up to RM1 million Flight and 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 your 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 at a difficult time.

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 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) 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.

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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