Up to 3x reward points & travel benefits
Premium Privileges for a World-Class Lifestyle with AFFIN World Mastercard
For individuals who seek luxury, exclusivity, and world-class experiences, the AFFIN World Mastercard is designed to complement a premium lifestyle. This card is tailored for frequent travelers, golf enthusiasts, and those who enjoy upscale privileges, offering benefits such as complimentary golf access, airport lounge visits, and Mastercard’s elite travel perks.
Beyond its lavish offerings, the AFFIN World Mastercard also provides financial flexibility with a range of payment plans, reward points, and exclusive travel privileges. Whether you are looking for prestige, convenience, or financial control, this card ensures you enjoy a seamless, world-class experience with every transaction.
Complimentary Golf Games at Top-Tier Golf Courses
If you are a golf enthusiast, the AFFIN World Mastercard offers an unparalleled advantage complimentary access to some of the finest golf courses in Malaysia and selected Southeast Asian countries.
This means you can enjoy your favorite sport at premium golf clubs without worrying about green fees, allowing you to play at exclusive venues while saving money on every game. The card grants access to renowned golf courses, ensuring you experience the best facilities, scenic fairways, and top-notch club services.
Read here to check the list of participating golf courses and understand the terms and conditions.
6X Complimentary Plaza Premium Lounge Access
Airport layovers and long transit times can be exhausting, but with the AFFIN World Mastercard, you can enjoy a more comfortable travel experience with six complimentary accesses to Plaza Premium Lounges in Malaysia and selected countries worldwide.
These lounges offer luxurious seating, complimentary refreshments, high-speed Wi-Fi, and a serene environment, ensuring that you can unwind before your flight in a stress-free and comfortable setting.
Beyond the six complimentary visits, cardholders will also enjoy:
- A 25% discount on additional visits to Plaza Premium Lounges in Malaysia
- A 20% discount on access to Plaza Premium Lounges overseas
With these exclusive privileges, you can enhance your travel experience without additional costs, making every journey more enjoyable. Read here for details on participating lounges and terms & conditions.
Earn More with AFFIN Rewards Points
With the AFFIN World Mastercard, every local and overseas purchase becomes more rewarding. The card offers an attractive AFFIN Rewards Points system, allowing you to accumulate points that can be redeemed for exclusive gifts, vouchers, travel perks, and even air miles.
| Transaction Type | Rewards Points Earned |
| Overseas Transactions | 3X AFFIN Rewards Points per RM1 spent |
| Local Transactions | 1X AFFIN Rewards Point per RM1 spent |
(Note: Charity, government, and petrol transactions are excluded from the rewards program.)
These points can be converted into travel miles, exclusive merchandise, and luxury rewards, making every RM1 spent work in your favor. Whether you are shopping, dining, or traveling, your transactions will continuously earn rewards that you can redeem for valuable benefits.
Mastercard Travel & Lifestyle Services – Exclusive Privileges Worldwide
Your AFFIN World Mastercard isn’t just a credit card—it’s a gateway to exclusive lifestyle and travel experiences. Through Mastercard’s premium travel and lifestyle services, cardholders will have access to:
- Exquisite dining experiences at top-tier restaurants around the world
- Exclusive holiday packages and special travel offers
- VIP access to curated events and private experiences
For concierge services and reservations, simply call 1800 886 882 (Malaysia) or +852 3016 3977 (overseas) to enjoy these premium privileges.
With these world-class benefits, you can elevate your lifestyle, gain access to exclusive perks, and indulge in unparalleled experiences wherever you go.
Annual Fee Waiver
Many premium credit cards come with high annual fees, but the AFFIN World Mastercard offers a first-year annual fee waiver, making it more accessible for those who want premium benefits without the hefty costs.
To enjoy a permanent annual fee waiver, simply meet one of these two easy conditions:
- Spend at least RM48,000 per year OR
- Make at least 12 retail transactions annually
This ensures that you can continue enjoying the world-class privileges of the card without worrying about annual fees, making it a cost-effective option for high-spending individuals.
Flexible Payment Plans for Better Financial Management
Managing large expenses or consolidating existing debts is made easier with the AFFIN World Mastercard’s flexible payment plans. These options allow you to spread payments over a fixed period, convert balances into manageable instalments, or even access extra cash when needed.
| Cash Plan | Description | Tenure |
| Balance Transfer Instalment Plan (BTiP) | Transfer outstanding balances from other credit cards and repay over time at lower interest rates. | Up to 36 months. |
| Fixed Payment Plan (FPP) | Convert large purchases into affordable monthly instalments. | Up to 36 months. |
| Cash-on-Call Instalment Plan (CIP) | Get cash advances from your credit card and repay in structured monthly instalments. | Up to 24 months. |
| Easy Payment Plan (EPP) | Enjoy 0% interest-free instalments at participating merchants. | - |
| Auto Balance Conversion (ABC) | Convert unpaid balances into lower-interest repayments automatically. | 13% p.a. |
These options ensure that you can manage your finances efficiently, avoid unnecessary financial strain, and take full control of your spending.
Financial Protection with AFFIN Credit Shield
Unforeseen circumstances can arise at any time, which is why the AFFIN World Mastercard includes AFFIN Credit Shield, a protection plan that safeguards your financial well-being.
This plan ensures that in the event of unexpected financial difficulties, your credit card debt is covered, providing both security and peace of mind for you and your loved ones.
The AFFIN World Mastercard is a premium credit card that goes beyond just everyday spending, it offers a luxury experience tailored to travelers, golf lovers, and those who appreciate world-class privileges. From complimentary airport lounge access to exclusive golf club benefits, this card provides exceptional perks that elevate your lifestyle.
