1x rewards points for all retail spending
Versatile Credit Card with Rewards - AFFIN Mastercard Gold
The AFFIN Mastercard Gold is a well-balanced credit card designed for those who want flexibility, rewards, and financial convenience. Whether you are looking to earn reward points, convert spending into air miles, or manage your finances with structured instalment plans, this card offers a suite of benefits tailored to help you maximize your spending power.
With an easy-to-maintain annual fee waiver and a range of financial management tools, the AFFIN Mastercard Gold is a great option for individuals who want a rewarding credit card without excessive fees.
Earn AFFIN Rewards Points
Every time you use your AFFIN Mastercard Gold, you earn AFFIN Rewards Points, which can be redeemed for exciting gifts, vouchers, and exclusive perks.
| Transaction Type | AFFIN Rewards Points Earned |
| Retail Transactions | 1X AFFIN Rewards Point per RM1 spent |
These points accumulate over time, giving you the opportunity to redeem a wide range of rewards through the AFFIN Rewards portal.
This means whether you're shopping for groceries, dining out, or making online purchases, every ringgit you spend gets you closer to exciting rewards.
Turn Your Spending into Free Flights with Air Miles
For those who love to travel, the AFFIN Mastercard Gold makes it easier to fly for free by allowing you to convert your AFFIN Rewards Points into air miles.
You can convert your points into:
- Enrich Points (Malaysia Airlines)
- AirAsia BIG Points
- Batik Air Club Points
This feature is perfect for frequent travelers who want to save on flight costs and enjoy complimentary tickets just by using their credit card for daily spending.
Redeem your air miles easily via the AFFIN Rewards portal.
Annual Fee Waiver
One of the standout benefits of the AFFIN Mastercard Gold is its easy-to-maintain annual fee waiver, making it an excellent long-term credit card option.
- First-year annual fee is waived automatically
- Subsequent years are waived with:
- Minimum spending of RM24,000 per year OR
- At least 12 retail transaction swipes per year
This means even with minimal usage, you can easily qualify for a fee waiver, ensuring you enjoy the card’s benefits without paying unnecessary charges.
Flexible Instalment Plans
The AFFIN Mastercard Gold also comes with several budget-friendly repayment options:
| Instalment Plan | Description | Tenure |
| Balance Transfer Instalment Plan (BTiP) | Transfer your outstanding balance from another bank and enjoy lower interest rates. | Up to 36 months |
| Fixed Payment Plan (FPP) | Convert big purchases into smaller, fixed monthly instalments. | Up to 36 months |
| Cash-on-Call Instalment Plan (CIP) | Withdraw extra cash from your credit limit when needed. | Up to 24 months |
| Easy Payment Plan (EPP) | Enjoy 0% interest on instalments at participating merchant outlets. | Varies by merchants |
| Auto Balance Conversion (ABC) | Lower interest rate of 13% per annum on outstanding balances. | - |
Protect Your Credit Card with AFFIN Shield Plans
The AFFIN Mastercard Gold comes with two protection plans to provide financial security in case of unforeseen circumstances.
- AFFIN Credit Shield – Provides term protection coverage to AFFIN Bank cardholders
- AFFIN Takaful myCredit Shield – A Shariah-compliant protection plan designed for AFFIN Islamic cardholders
These protection plans ensure your credit card balance is covered in case of unexpected financial difficulties, giving you and your family peace of mind.
