AFFIN World Mastercard-i

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

AFFIN World Mastercard-iPremium travel & lifestyle benefits
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

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

Travel

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.

Premium

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

Simplify your credit card debt with the AFFIN Bank Balance Transfer Instalment Plan (BTiP). Transfer your outstanding balance from other banks and enjoy a one-time interest rate as low as 2% with a flexible repayment period of up to 36 months.

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

Need to make a big purchase? With AFFIN 0% Easy Payment Plan (EPP), you can shop at participating merchants and split your payments into 0% interest-free instalments. Enjoy flexible repayment terms and ease your cash flow without paying extra charges.

AFFIN 0% Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
60 months0% p.a. and no one-time upfront handling feeRM500
Learn more about AFFIN 0% Easy Payment Plan

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
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 primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
AFFIN 0% Easy Payment Plan
AffinBank Easy Installment Plan lets you split your retail purchases into manageable monthly payments, making shopping more affordable and hassle-free.
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.

Review

AFFIN Bank "Switch and Be Rewarded" Credit Card Campaign

Ready for an amazing welcome gift? Switch to an AFFIN credit card today and get rewarded for your very first purchase!

From now until 31 December 2025, apply for a new AFFIN Credit Card and receive 10,000 AFFIN Rewards Points or enjoy a lifetime annual fee waiver when you make your first transaction. Terms and conditions apply!

Who can join this campaign?

To be eligible for this offer, you just need to meet these criteria:

  • You must apply for a principal AFFIN Bank/ AFFIN Islamic Bank Credit Card/-i.
  • Get your card approved during the Campaign Period.
  • Your application must be submitted through AFFIN's online channels and approved during the Campaign Period.
  • Your account must be in good standing with a valid Eligible Card throughout the Campaign Period and at the time of campaign fulfilment.

Who is not eligible to participate?

The following persons are NOT eligible to participate in the Campaign:

  • Existing principal or supplementary Cardmembers who apply for an additional AFFIN Card during the Campaign Period.
  • Individuals who cancelled any existing AFFIN Cards in the past twelve (12) months prior to the new application date.
  • Cardmembers who are in default of payment, or whose accounts have been suspended, blacklisted, cancelled, or terminated at any time during the Campaign Period or fulfilment.
  • Cardmembers suspected of fraudulent, unlawful, or wrongful acts related to their accounts.
  • Non-individual customers (e.g., sole proprietorships, corporate entities, associations, etc.).
  • Cardmembers who have been declared bankrupt or are subject to bankruptcy proceedings.
  • Cardmembers whose accounts are held with the Bank are delinquent or unsatisfactorily conducted.

How do I receive the rewards?

To snag either the 10,000 AFFIN Reward Points or the lifetime annual fee waiver, just make sure you activate your card and hit the required retail transactions within 45 days of your card's approval. What you get will depend on your card type and how many transactions you make.

Reward Eligible Card Types Qualifying Criteria
10,000 Reward Points - AFFIN Invikta credit card/-i
- AFFIN World credit card/-i
- AFFIN Avance credit card/-i
- AFFIN Avance Affiliate credit card/-i
- AFFIN Duo+ Mastercard Rewards credit card/-i
- AFFIN Duo Mastercard Rewards /-i
- AFFIN UKM credit cards /-i
- AFFIN MPN credit card/-i
- AFFIN UiTM credit card /-i
Activate and perform one (1) retail transaction of any amount with each Eligible Card.
Lifetime Annual Fee Waiver - AFFIN Invikta credit card/-i
- AFFIN World credit card/-i
- AFFIN Duo+ credit card/-i
- AFFIN Duo credit card/-i
Activate and perform three (3) retail transactions of any amount with each Eligible Card.

Important things to note!

Referring to the terms and conditions, here are some things that you should take note of:

  • Each eligible cardmember is entitled to win one prize only.
  • Unlawful transactions, and transactions such as cash withdrawals, cash advances, balance transfers, EPP monthly instalments, fees or charges, outstanding balance payments, and payments to government bodies, utilities and charities are not considered eligible retail spending.
  • The rewards points are non-transferable and cannot be exchanged for cash.

When will I receive my rewards?

You'll get your Reward Points automatically added to your Eligible Card account within eight (8) weeks after the Campaign Period ends. 

These points are valid for three (3) years from when they're added, so make sure to use or redeem them within that time frame, as outlined in the terms and conditions.

What are you waiting for? This is the perfect time to switch and discover the benefits of an AFFIN credit card. Apply now and get your rewards! If you have any questions, give AFFIN Bank a call at 03-8230 2222 for more information.

Enjoy Premium Shariah-Compliant Privileges with AFFIN World Mastercard-i

For those who demand exclusivity, financial flexibility, and a card that aligns with their values, the AFFIN World Mastercard-i is the ultimate choice. Designed for affluent professionals, high-spending individuals, and frequent travelers, this premium credit card offers a combination of luxury, convenience, and rewards while ensuring that all transactions remain fully Shariah-compliant. Whether you are looking for travel perks, exclusive golf access, or a rewarding spending experience, this card delivers unparalleled benefits while staying true to Islamic banking principles.

Complimentary Green Fees at Prestigious Golf Courses

Golf enthusiasts will appreciate the complimentary green fees and VIP access to some of the most prestigious golf courses in Malaysia and select Southeast Asian countries. Whether you are playing for leisure, networking with business associates, or honing your skills, this privilege allows you to enjoy world-class golfing experiences without incurring additional charges.

As an AFFIN World Mastercard-i cardholder, you gain access to an elite selection of golf courses where you can play at your convenience. This benefit not only adds value to your card membership but also enhances your overall golfing experience.

Refer here for  List of Participating Golf Clubs and Golf Privilege Terms & Conditions.

6X Complimentary Plaza Premium Lounge Access

Frequent travelers will enjoy the VIP treatment and comfort that comes with complimentary access to  Plaza Premium Lounges in Malaysia and selected international airports. With up to six (6) complimentary lounge visits per year, you can enjoy a peaceful and luxurious environment while waiting for your flight.

Plaza Premium Lounges offer a wide range of exclusive amenities, including:

  • Comfortable seating and quiet spaces to unwind
  • Complimentary food and beverages
  • High-speed Wi-Fi for seamless connectivity
  • Private workstations for business travelers

Even if you exceed the six free visits, you can still enjoy exclusive discounts on lounge access:

  • 25% discount on Plaza Premium Lounge entries in Malaysia
  • 20% discount on Plaza Premium Lounge access in overseas locations

Refer here for  Lounge Access Terms & Conditions

Earn Rewards with AFFIN Rewards Points

The AFFIN World Mastercard-i allows you to maximize your spending power by earning reward points on every transaction, which can be redeemed for exclusive rewards, vouchers, and lifestyle perks.

Transaction Type AFFIN Rewards Points Earned
Overseas Transactions 3X AFFIN Rewards Points
Local Transactions 1X AFFIN Rewards Points

Note: Charity, government, and petrol transactions are excluded from earning rewards.

These reward points allow you to unlock a wide range of benefits, making every transaction more rewarding. Whether you are shopping, dining, or traveling, your purchases bring you closer to  exciting redemptions such as Enrich Points, AirAsia BiG Points, Malindo Miles and many more!

Exclusive 24-Hour Dedicated Concierge Service

Enjoy the luxury of having a dedicated concierge service available 24/7 to assist you with a variety of needs, including:

  • Travel arrangements, including hotel bookings and flight reservations
  • Dining recommendations and restaurant reservations
  • Ticket bookings for concerts, shows, and special events
  • Personal shopping assistance and gift sourcing

This exclusive privilege ensures that wherever you are in the world, your personal assistant is just a phone call away.

Charity Contribution on Retail Transactions

As part of its commitment to social responsibility, AFFIN Islamic Bank contributes a portion of your retail transactions to selected charity organizations. This means that every time you use your credit card for shopping, dining, or travel, you are also making a positive impact in the community.

This unique feature allows you to spend with purpose, knowing that your transactions support charitable causes and help those in need.

Shariah-Compliant Spending

The AFFIN World Mastercard-i is strictly Shariah-compliant, meaning it can only be used for Halal (permissible) goods and services. Transactions related to gambling, alcohol, cigarettes, dating services, and other non-Halal activities may be restricted or blocked by the bank.

This ensures that all card usage remains aligned with Islamic financial principles, providing peace of mind for cardholders who prioritize ethical spending.

Annual Fee Waiver – Enjoy the First Year Free

The annual fee for the AFFIN World Mastercard-i is waived for the first year. Cardholders can continue to enjoy this waiver if they meet one of the following criteria:

  • Spend a minimum of RM48,000 per year
  • Make at least 12 retail transactions per year (any amount)

For high-income individuals looking for a Shariah-compliant credit card, the AFFIN World Mastercard-i is an outstanding choice. With its exclusive golf privileges, luxurious travel benefits, and rewarding spending program, this card is ideal for those who want financial flexibility and premium lifestyle perks while ensuring that all transactions remain ethically and religiously compliant.

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