AFFIN Visa Business Platinum-i

Designed for SME business owners who travel frequently, AFFIN Visa Business Platinum-i offers travel privileges including unlimited cashback.

Unlimited Cash Back

Min. Income: RM10,000_/month
Annual Fee: Free*
Cashback: up to 1%
Easy Payment Plan: From 0% p.a.
Interest Rate: 12% p.a.
Interest-free: 20 days

Hear from our users

Find out how Malaysians start making smart financial decisions with us

Cashback

Unlimited cash back of 1% whenever you spend on your overseas purchases and 0.3% cash back on all other local retail purchases.

Discover how much you can save when you shop with your new AFFIN Visa Business Platinum-i Card
CASHBACK CATEGORY	CASHBACK RATE	MONTHLY CAP	SPEND
Overseas Retail Spend	1%	uncapped	any amount monthly
All Other Retail Spend	0.3%	uncapped	any amount monthly

Travel

Enjoy 6x complimentary access to the Plaza Premium Lounge both locally and internationally throughout the year! Also, Free Travel Personal Accident Insurance of up to RM1,000,000, including compensation for inconveniences such as flight delay, missed flight, luggage delay and loss of luggage.

Travel Coverage	Sum Insured
Travel Insurance	Up to RM1,000,000
Delayed Flight	Up to RM1,000
Missed Flight	Up to RM1,000
Lost Luggage	Up to RM2,000
Delayed Luggage	Up to RM1,000

Premium

Practice your swing with complimentary green fees at the finest golf courses in Malaysia and Indonesia. That's not all, you are also entitled to privileged access to prestigious golf courses in Singapore, Thailand, Vietnam and the Philippines.

Easy Payment Plans

AFFIN 0% Easy Payment Plan offers payment terms from 6 to 36 months on any retail purchase. One-time interest rate starts from 2%.

AFFIN 0% Easy Payment Plan
Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	RM500
6 months	0% p.a. and no one-time upfront handling fee	RM500
12 months	0% p.a. and no one-time upfront handling fee	RM500
18 months	0% p.a. and no one-time upfront handling fee	RM500
24 months	0% p.a. and no one-time upfront handling fee	RM500
36 months	0% p.a. and no one-time upfront handling fee	RM500
60 months	0% p.a. and no one-time upfront handling fee	RM500

Learn more about AFFIN 0% Easy Payment Plan

Fees & Charges

Annual Fee

RM300 primary card
First 2 years free
Waived when you spend RM36,000 or swipe 12 times per year in the subsequent years

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%

Requirements

Minimum Annual Income

RM120,000

Minimum Age

21 years old primary card

Who can apply

Any Business

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.

Review

Enjoy Annual Fee Waiver with AFFIN Visa Business Platinum-i

If you earn RM120,000 annually, aged 21 years and above, you can get your hands on AFFIN Visa Business Platinum-i.

All you need to pay upon credit card approval and anniversary date is the Sales and Service Tax of RM25.

For the first 2 years, the annual fee is waived but you can still enjoy annual fee waiver when you spend RM36,000 in a year or swipe 12 times per year.

Unlimited Cash Back

With AFFIN Visa Business Platinum-i, you are entitled to unlimited cash backs whenever you spend while you're on business trips.

Earn 1% cash back on overseas purchases and 0.3% cash back on local purchases - no caps.

Your cash backs will be calculated at the end of your monthly statements and will be credited at the beginning of the following month.

Do note that cash back is not applicable on your petrol, charity, government related transactions as well as Cash Withdrawals.

Payment Convenience

Another perk specially designed for your AFFIN Visa Business Platinum-i is the contactless payment feature.

Next time when you go shopping, you only need to tap your card at the contactless reader, which is linked to an Electronic Point-of Sales Terminal for purchases below RM250.

Halal Goods and Services only

Just so you know, AFFIN Visa Business Platinum-i credit card can be used at over 30 million merchants worldwide - but there is a catch.

Since this is a Shariah compliant credit card, you can only use to purchase and pay for goods and services that are Halal (permissible) only.

The Islamic bank has the rights to block any transactions that are not Halal such as gambling, liquor, cigarette, dating and escort services, among others.

6X Complimentary Airport Lounge Access

With a minimum spend of RM2,000 every month, you can enjoy 6X Complimentary Plaza Premium Lounge access throughout the year.

Indulge in some pampering and comfort when you travel both locally within Malaysia and internationally such as Cambodia, Indonesia, Philippines, Saudi Arabia, Singapore and Taiwan.

That's not all, your accompanying guest can also enjoy the same access with a discount of 25% on all access to Plaza Premium Lounges within Malaysia and 20% access discount overseas.

All you have to do is to present your AAFFIN Visa Business Platinum-i at Plaza Premium Lounge's entrance to enjoy 6 complimentary entry per year to airport lounges worldwide.

Complimentary Green Fees with AFFIN Visa Business Platinum-i

If you're an avid golfer, you would enjoy this perk AFFIN Visa Business Platinum-i card offers you - Complimentary Green Fees at the prestigious and finest golf courses in Malaysia and Indonesia.

You also have a 24-hour AFFIN Visa Business Platinum-i Dedicated Line at 03-8230 2323 to make booking for golfing at other prestigious gold courses in Singapore, Thailand, Vietnam and the Philippines!

Please be noted that the feature is applicable for the Principal cardholders only, with a minimum spend of RM2,000 in the latest month or RM24,000 per year.

Flexible Credit Lines

To meet your varied financial needs, AFFIN Visa Business Platinum-i credit card offers a range of line of credits with flexible repayment methods at competitive rates.

For example, you can use Balance Transfer plan to settle all your credit card(s) outstanding or Cash Instalment Plan to supplement your cash needs.

You can also enjoy AFFIN 0% Easy Payment Plan with this basic credit card at participating merchants with the bank.

Other than that, AFFIN offers payment terms from 6 to 36 months on any retail purchase with one-time interest rate starting from 2%.

You also have the option to withdraw cash from your credit card at ATM machine up to 90% of your facility limit.

High Insurance Takaful Coverage

You will get not one, but two types of insurance coverage with the AFFIN Visa Business Platinum-i card.

First of all, you will enjoy automatic travel insurance of up to RM1 million Flight & Travel Personal Accident Takaful - but only if pay for your full travel ticket to your credit card.

This coverage is inclusive of compensation for travel inconveniences in case your flight is missed or delayed, or you baggage is lost or delayed.

But the cherry on the cake is the free personal accident insurance of up to RM100,000. This will make sure that you are covered for any injury, disability, or death due to an unforeseen event.