Free Annual Fee
Lifetime Fee Waiver with AFFIN Islamic Mastercard Basic
If you’re looking for a straightforward, Shariah-compliant credit card with zero annual fees for life, the AFFIN Islamic Mastercard Basic is an excellent choice. Designed for those who prefer simplicity while still enjoying essential financial benefits, this card provides hassle-free transactions, flexible repayment options, and automatic charity contributions, all without unnecessary costs.
With the AFFIN Islamic Mastercard Basic, you can enjoy worry-free spending, knowing that you’re using a card that aligns withIslamic banking principles, while also benefiting from financial flexibility and ethical contributions to charity.
Annual Fee Waiver
Unlike many credit cards that come with annual fees or require minimum spending to waive them, the AFFIN Islamic Mastercard Basic offers a lifetime waiver, meaning you’ll never have to pay an annual fee!
- Annual Fee: Permanently Waived
- No Conditions, No Minimum Spend
This makes it a perfect choice for individuals who want a credit card with zero ongoing costs, allowing them to enjoy financial flexibility without the worry of hidden fees. Whether you use it for everyday purchases, travel, or emergency expenses, you won’t have to worry about additional charges eating into your budget.
Charity Contributions
One of the unique features of the AFFIN Islamic Mastercard Basic is its built-in charity contribution system. For every retail transaction made using this card, AFFIN Islamic Bank donates a portion to selected charitable organizations.
This means that by simply using your card for everyday expenses like groceries, dining, and online shopping, you’re also contributing to meaningful causes without any extra effort. It’s a seamless way to give back while managing your finances responsibly.
If you believe in ethical spending and community support, this card aligns with your values by ensuring that a portion of your spending goes towards charitable efforts.
Halal Goods and Services Only
The AFFIN Islamic World Mastercard 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.
Shariah-Compliant Financial Flexibility
While the AFFIN Islamic Mastercard Basic keeps things simple, it still provides a range of Shariah-compliant financing options to help you manage your finances more effectively. Whether you need to consolidate debt, convert large purchases into manageable instalments, or access emergency cash, this card has flexible plans to suit your needs.
| Card Plan | Description |
| Balance Transfer Instalment Plan (BTiP) | Consolidate your existing credit card debts with a one-time upfront profit rate as low as 2%, helping you save on interest and manage repayments more effectively. |
| Fixed Payment Plan (FPP) | Convert large purchases into affordable monthly instalments of up to 36 months, allowing you to spread out big expenses without financial strain. |
| Cash-on-Call Instalment Plan (CIP) | Need extra cash? Get a cash advance from your AFFIN Islamic Mastercard Basic at a one-time upfront profit rate as low as 6%, providing you with quick access to emergency funds. |
| Easy Payment Plan (EPP) | Enjoy 0% profit rate for purchases made at participating AFFIN merchants, making it easier to afford big-ticket items without additional costs. |
| Auto Balance Conversion (ABC) | If you struggle with unpaid balances, this feature offers a lower profit rate of 13% per annum, helping you manage your repayments more affordably. |
| AFFIN Takaful myCredit Shield | A protection plan designed specifically for AFFIN Islamic cardholders, offering financial security in case of unforeseen circumstances. |
These features ensure that you have multiple options to manage your spending wisely, making this card a great tool for responsible financial planning.
If you’re looking for an easy-to-use, cost-free credit card that still offers essential financial benefits and charity contributions, theAFFIN Islamic Mastercard Basic is an excellent choice. It provides a lifetime annual fee waiver, ethical banking principles, and multiple repayment options, making it a practical and responsible financial tool.
