1x rewards point for all retail spend
Rewarding Shariah-Compliant Credit Card with AFFIN Islamic Mastercard Gold
Finding the right credit card that meets your financial needs while aligning with your ethical values can be a challenge. The AFFIN Islamic Mastercard Gold offers a Shariah-compliant solution that allows you to enjoy financial flexibility, earn valuable rewards, and contribute to charitable causes, all while ensuring your transactions remain halal and ethical.
Designed for individuals who want a simple yet rewarding credit card, the AFFIN Islamic Mastercard Gold provides a straightforward rewards system, annual fee waivers, the ability to convert your points into air miles, and multiple flexible payment plans. Whether you’re spending on daily essentials or planning your next getaway, this card makes your transactions more valuable and meaningful.
Earn More with AFFIN Rewards Points
With the AFFIN Islamic Mastercard Gold, every RM1 you spend earns you AFFIN Rewards Points, which can be redeemed for exciting rewards like shopping vouchers, lifestyle privileges, and even air miles. This means your daily spending can go a long way in helping you save on future purchases or travel expenses.
| Transaction Type | AFFIN Rewards Points Earned |
| Retail Transactions | 1X AFFIN Rewards Point per RM1 spent |
Note: Transactions related to charity, government services, and petrol are not eligible for reward points.
Unlike other credit cards that offer complicated tiered rewards, this simple and transparent points system ensures that you continue earning on every retail transaction without any hassle.
Read here for Terms & Conditions.
Annual Fee Waiver
One of the biggest concerns when choosing a credit card is the annual fee, but with the AFFIN Islamic Mastercard Gold, you don’t have to worry about that.
- First-Year Annual Fee: Fully waived
- Subsequent Years: Waived automatically with just 12 retail transactions per year
This means that as long as you use your card at least once a month for your usual spending whether it’s groceries, dining, or online shopping. You can continue enjoying the benefits without paying an annual fee. It’s a hassle-free way to manage your finances while keeping extra charges to a minimum.
Convert Your AFFIN Rewards Points into Air Miles
If you’re a frequent traveler, you’ll love the ability to convert your AFFIN Rewards Points into air miles. This feature makes it easier to redeem flights for your next holiday, allowing you to fly for less just by using your credit card for everyday purchases.
You can convert your AFFIN Rewards Points into:
- Enrich Points (Malaysia Airlines)
- AirAsia BIG Points
- Batik Air Club Points
With a competitive conversion rate, you can accumulate points faster and turn your everyday spending into free or discounted flights. Whether you’re planning a short getaway or an international trip, this benefit ensures that your spending works for you.
Charity Contributions on Retail Transactions
The AFFIN Islamic Mastercard Gold isn’t just about personal rewards—it’s also about making a difference. Every time you use your card for retail transactions, a portion of the amount spent will be donated to selected charity organizations by AFFIN Islamic Bank.
This means that while you’re managing your finances, you’re also helping those in need. It’s a seamless way to contribute to charitable causes without any additional effort on your part. If you’re someone who believes inethical finance and community support, this feature makes the AFFIN Islamic Mastercard Gold an even more meaningful choice.
Flexible Islamic Card Plans
The AFFIN Islamic Mastercard Gold comes with a variety of Shariah-compliant financial solutions designed to help you manage your cash flow efficiently. Whether you need to consolidate debt, convert big purchases into smaller instalments, or access extra cash, these plans give you the flexibility to make smarter financial decisions.
| Card Plan | Description |
| Balance Transfer Instalment Plan (BTiP) | Consolidate your outstanding balances to your AFFIN Credit Card with a one-time upfront profit rate as low as 2%, helping youreduce your financial burden and manage repayments efficiently. |
| Fixed Payment Plan (FPP) | Convert large purchases into affordable monthly instalments of up to 36 months, making it easier to budget your expenses without straining your cash flow. |
| Cash-on-Call Instalment Plan (CIP) | Need extra cash? Get a cash advance from your AFFIN Credit Card with a one-time upfront profit rate as low as 6%, allowing you to access funds whenever needed. |
| Easy Payment Plan (EPP) | Enjoy 0% profit rate for purchases made at participating AFFIN merchants, making big-ticket purchases more affordable with interest-free instalments. |
| Auto Balance Conversion (ABC) | Reduce your financial burden with a lower profit rate of 13% per annum, helping you manage unpaid balances with ease. |
| AFFIN Takaful myCredit Shield | A term protection plan that provides financial coverage for the AFFIN ISLAMIC cardholder, ensuring peace of mind in case of unforeseen circumstances. |
The AFFIN Islamic Mastercard Gold offers a balance between financial convenience and ethical spending. Whether you’re looking for a card that helps you earn rewards on daily expenses, redeem air miles, manage finances with flexible plans, or contribute to charity, this card ticks all the right boxes.
With its simple rewards system, annual fee waivers, flexible Islamic financing plans, and charity contribution feature, it’s a practical and rewarding option for those who want to manage their finances responsibly while enjoying valuable perks.
