Unlimited cashback for retail spend
A Rewarding Card for Business Owners with AFFIN Visa Business Platinum
For business owners and entrepreneurs who frequently transact both locally and internationally, the AFFIN Visa Business Platinum is designed to provide unlimited cashback, financial flexibility, and premium benefits to support your business needs. Whether you're making business purchases, traveling abroad, or managing cash flow, this card helps you earn rewards while keeping costs low.
Unlimited Cash Back on Every Business Transaction
Managing business expenses can be rewarding with the AFFIN Visa Business Platinum. Unlike many other business credit cards that impose strict limits on rewards, this card offers unlimited cashback on eligible transactions.
| Transaction Type | Cashback Rate |
| Overseas Transactions | 1% unlimited cashback |
| Local Retail Transactions | 0.3% unlimited cashback |
With 1% cash back on all overseas spending, this card is especially useful for entrepreneurs who frequently make international purchases, travel for business, or import goods and services. Meanwhile, for domestic transactions, you still get 0.3% cash back on all local retail purchases.
However, cashback is not applicable for:
- Cash advance transactions
- Charitable donations
- Government-related payments
- Petrol transactions
Flexible Instalment Plans for Business Expenses
Running a business requires smart financial planning, and the AFFIN Visa Business Platinum offers various instalment plans to help you manage large purchases and cash flow with ease.
| Plan Name | Description |
| Fixed Payment Plan ( FPP) | Convert large business purchases into structured monthly payments for up to 36 months, making it easier to manage cash flow without disrupting operations. |
| 0% Easy Payment Plan (EPP) | Make big purchases at participating merchants and enjoy interest-free instalments for up to 60 months. Ideal for office equipment, business tools, and operational expenses. |
These plans allow businesses to make strategic purchases without immediate financial strain, ensuring smooth operations while maximizing rewards.
Shariah-Compliant Option with AFFIN Takaful myCredit Shield
For those who prefer an Islamic banking solution, the AFFIN Visa Business Platinum is also available under the AFFIN ISLAMIC platform. This version includes the AFFIN Takaful myCredit Shield, a Shariah-compliant term protection plan that provides financial security for your credit card balance in case of unforeseen circumstances.
Annual Fee Waiver
If you're a business owner earning RM120,000 annually, aged 21 years and above, you can get an Affinbank Visa Business Platinum card.
The AFFIN Visa Business Platinum is structured to help businesses minimize costs while maximizing benefits. The annual fee is waived for the first three years, making it an affordable option for new businesses and established entrepreneurs alike. After the initial period, maintaining the waiver is simple—just meet the required number of transactions per year.
Enjoy an Exclusive World of Privileges
Cardholders gain access to a 24-hour concierge service, providing assistance whenever you need it. Whether you're looking to book flights, make shopping arrangements, secure restaurant reservations, or even purchase theatre tickets, this personalised service is available to help you anywhere in the world.
This added convenience ensures that your business and travel needs are met seamlessly.
For business owners who want a financial tool that rewards every transaction, the AFFIN Visa Business Platinum is an excellent choice. The combination of unlimited cashback, flexible instalment plans, and a cost-effective fee structure makes it a strong contender for entrepreneurs looking to maximize rewards while keeping business expenses manageable. Whether you're paying for business trips, office supplies, or operational costs, this card ensures that every ringgit spent works to your advantage.
