Convert rewards points to air miles
Shariah-Compliant Credit Card with Premium Benefits
The AFFIN Platinum Mastercard-i is a high-value, Shariah-compliant credit card that rewards your daily spending while ensuring all transactions align withIslamic financial principles. Whether you’re looking to earn points for exciting rewards, convert spending into free flights, or manage your finances with flexible instalment plans, this card delivers a well-rounded banking experience.
With a lifetime annual fee waiver, you can enjoy all these benefits without worrying about extra costs. Plus, every retail transaction made with this card contributes to charitable causes, allowing you to make a difference while you spend.
If you want a credit card that combines rewards, flexibility, and ethical banking, the AFFIN Platinum Mastercard-i is a strong contender.
Earn AFFIN Rewards Points on Your Daily Spending
With the AFFIN Platinum Mastercard-i, you get rewarded every time you spend. Whether you're dining out, stocking up on groceries, or shopping online, you earn AFFIN Rewards Points that can be redeemed for exclusive gifts, vouchers, and lifestyle perks.
Here’s how you earn points with this card:
| Category | AFFIN Rewards Points Earned |
| Dining, groceries, and online/e-commerce transactions | 1X AFFIN Rewards Point per RM1 spent |
| Other retail transactions (excluding charity, government, and petrol transactions) | 1X AFFIN Rewards Point per RM1 spent |
These points accumulate over time and can be redeemed for a wide variety of rewards through the AFFIN Rewards portal, allowing you to enjoy perks simply by using your card for daily expenses.
Note: Charity donations, government-related transactions, and petrol purchases do not earn AFFIN Rewards Points.
Read the full terms & conditions.
Turn Your Spending into Free Flights with Air Miles
For frequent travelers, the AFFIN Platinum Mastercard-i offers even greater value by allowing you to convert your AFFIN Rewards Points into air miles. This means that every ringgit you spend gets you closer to your next flight redemption, making travel more affordable.
You can convert your points to:
- Enrich Points (Malaysia Airlines)
- AirAsia BIG Points
- Batik Air Club Points
This benefit is ideal for those who travel often and want to maximize their spending by earning points that can be used for complimentary flight tickets.
Redeem your points for air miles through the AFFIN Rewards portal.
Lifetime Annual Fee Waiver
Unlike many premium credit cards that come with hefty annual fees, the AFFIN Platinum Mastercard-i offers a lifetime annual fee waiver which means you can enjoy all its benefits without ever worrying about renewal charges.
- No annual fees – ever!
- No minimum spending requirement to maintain the waiver
- Ideal for cost-conscious individuals who want premium benefits without extra costs
This makes it a great long-term choice for those who want a high-reward credit card with zero annual charges.
Charity Contributions with Every Purchase
A unique feature of the AFFIN Platinum Mastercard-i is that every retail transaction you make helps support charitable organizations.
- A portion of your spending will be donated to selected charities
- No extra charges to cardholders—AFFIN Islamic Bank contributes on your behalf
- Allows you to give back to the community effortlessly
This means that each time you use your card for shopping, dining, or online purchases, you're making a positive impact.
Manage Your Finances with Flexible Instalment Plans
Whether you're looking to consolidate debt, make big purchases more affordable, or access extra cash, the AFFIN Platinum Mastercard-i offers a variety of instalment plans to help you manage your finances wisely.
| Instalment Plan | Description | Profit Rate | Repayment Period |
| Balance Transfer Instalment Plan (BTiP) | Transfer your outstanding balance from another bank and enjoy lower interest rates. | As low as 2% (one-time upfront profit rate) | 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. | As low as 6% (one-time upfront profit rate) | Up to 24 months |
| Auto Balance Conversion (ABC) | Automatically converts outstanding balances into instalments with a lower profit rate. | 13% per annum | - |
These options give you financial flexibility and help ensure you’re always in control of your spending.
Use for Halal Transactions Only
As a fully Shariah-compliant credit card, the AFFIN Platinum Mastercard-i can only be used for halal (permissible) transactions, in line with Islamic banking principles.
- Accepted at over 30 million merchants worldwide
- Cannot be used for non-halal transactions, including:
- Gambling
- Alcohol and cigarettes
- Dating and escort services
- Other non-compliant businesses
This ensures that all your transactions adhere to Islamic financial guidelines, making it a reliable choice for those who prioritize ethical banking.
Financial Protection with AFFIN Takaful myCredit Shield
For added peace of mind, the AFFIN Platinum Mastercard-i offers AFFIN Takaful myCredit Shield, an Islamic credit protection plan designed to protect cardholders in unexpected situations.
- Covers outstanding balances in case of unforeseen events
- Shariah-compliant financial protection
- Ensures financial security for you and your family
This plan provides an extra layer of security for those who want to use their credit card responsibly and with confidence.
