1x reward points for all retail spending
AFFIN Visa Gold – A Credit Card That Rewards Every Transaction
The AFFIN Visa Gold is a credit card designed for individuals who want to maximize their spending power while enjoying a range of rewards, travel benefits, and financial flexibility. Whether you’re looking to earn reward points on daily transactions, convert spending into air miles, or manage expenses through instalment plans, this card offers a well-rounded package that caters to your lifestyle needs. With an easy-to-maintain annual fee waiver, the AFFIN Visa Gold is an excellent choice for those who want a rewarding credit card without unnecessary costs.
Earn AFFIN Rewards Points
Every time you use your AFFIN Visa Gold for retail transactions, you will earn AFFIN Rewards Points that can be accumulated and redeemed for a variety of exciting gifts, vouchers, and exclusive benefits. This allows you to turn your daily spending into valuable rewards, making every purchase more rewarding.
| Transaction Type | AFFIN Rewards Points Earned |
| Retail Transactions | 1X AFFIN Rewards Point per RM1 spent |
The accumulated points can be used to redeem lifestyle products, dining vouchers, travel perks, and more through the AFFIN Rewards portal. With no complicated requirements, earning rewards is as simple as using your card for groceries, dining, online shopping, and other retail purchases.
Turn Your Spending into Free Flights with Air Miles
For those who love to travel, the AFFIN Visa Gold offers an attractive feature that lets you convert your AFFIN Rewards Points into air miles, making it easier to redeem free flights for your next vacation or business trip. The points can be converted into:
- Enrich Points (Malaysia Airlines)
- AirAsia BIG Points
- Batik Air Club Points
This feature is particularly beneficial for frequent travelers who want to maximize their spending while enjoying travel perks and flight discounts. Instead of paying full price for flights, you can use your accumulated points to offset ticket costs or even redeem complimentary flights. Redeeming air miles is easy through the AFFIN Rewards portal, making it a seamless way to enjoy more travel opportunities without extra spending.
Annual Fee Waiver
One of the most attractive aspects of the AFFIN Visa Gold is its hassle-free annual fee waiver, which makes it a cost-effective option for long-term cardholders. The first-year annual fee is automatically waived, and subsequent years’ fees are also waived if you meet one of two simple conditions:
- Spend a minimum of RM24,000 per year, OR
- Make at least 12 retail transactions per year
This means that as long as you use your card regularly, you won’t have to worry about paying annual fees, ensuring that you can enjoy the benefits of your credit card without unnecessary charges.
Flexible Instalment Plans to Manage Your Finances
The AFFIN Visa Gold also comes with a range of flexible instalment plans, allowing you to convert large purchases or outstanding balances into structured monthly repayments. Whether you need to manage expenses, pay off existing debts at lower rates, or split payments for big-ticket items, this card provides multiple options to suit your financial needs.
| Instalment Plan | Description | Tenure |
| Balance Transfer Instalment Plan (BTiP) | Transfer your outstanding balance from another bank and enjoy lower interest rates. | 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. | Up to 24 months |
| Easy Payment Plan (EPP) | Enjoy 0% interest-free instalments when shopping at participating merchants. | Varies by merchants |
| Auto Balance Conversion (ABC) | Get a lower interest rate of 13% per annum on your outstanding balance. | - |
These instalment options provide the financial flexibility to manage spending, ensuring that you can keep up with your financial commitments while enjoying the benefits of your credit card.
Financial Protection with AFFIN Credit Shield & Takaful myCredit Shield
Security and financial protection are essential when managing credit, which is why the AFFIN Visa Gold comes with two protection plans that provide coverage in case of unexpected circumstances.
- AFFIN Credit Shield – A term protection plan that provides coverage to AFFIN Bank cardholders, ensuring that outstanding balances are covered in case of unforeseen events.
- AFFIN Takaful myCredit Shield – A Shariah-compliant protection plan designed for AFFIN Islamic cardholders, offering similar financial security in compliance with Islamic principles.
These plans offer peace of mind, ensuring that in the event of financial difficulties, you and your loved ones are protected from outstanding credit card liabilities.
