Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless credit card

Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless

Low Interest Rate Affinbank BHPetrol MasterCard with cash back as high as 10% for petrol and Personal Accident Insurance.

  • 9.99% p.a. interest rate
  • 20 days interest-free period
  • up to 0.8% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Apply online now for Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Cashback up to 0.8% on all retail purchases, except for fuel and government related charges.
Discover how much you can save when you shop with your new Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM100 up to RM1500 monthly0.4%RM6from RM100 up to RM1500 monthly
All RetailSpendfrom RM1501 and above monthly0.8%uncappedfrom RM1501 and above monthly
Balance Transfer
Affin Bank Balance Transfer Instalment Plan with rates from as low as 2% with payments as long as 36 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM2000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM2000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank Balance Transfer Installment Plan
Easy Payment Plan (EPP)
Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. One-time interest charges start from 2%.
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
18 months5% one-time upfront handling feefrom RM2000 
24 months6% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank EiPlan
Travel
Emergency Helpdesk and Free Travel Insurance (including compensation for delayed flights and lost luggage)
Travel CoverageSum Insured
Personal AccidentUp to RM30000
Travel InsuranceUp to RM500000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
Low Interest Rate
Enjoy the credit card interest rate as low as 9.99% p.a..

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM159.00
  • Free for first year
  • Waived when you spend RM24,000 for subsequent years
Annual Fee for Supplementary Card
RM79.50
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
15%
Contact-less Payment Methods
Supplementary Touch 'n Go card,PayPass

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
60 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
AffinBank EiPlan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
AffinBank Balance Transfer Installment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless review

What's so good (or not so good) about it?

Earn Cashback!

With the Affinbank BHPetrol 'Touch & Fuel' MasterCard you can earn unlimited cashback of up to 0.8% on any retail transactions. For the transactions between RM100 and RM1500, the cashback is 0.4%. The maximum AFFIN Bonus you earned is RM6. If you spend more than that amount, you can enjoy unlimited cashback of 0.8%. However, the petrol and government-related transactions are not eligible for the cashback.

Complimentary Travel Insurance

Now, you can have peace of mind when you travel overseas with your family members. You could enjoy complimentary automatic travel insurance coverage of up to RM500000. Just remember to charge the full air tickets expenses to your Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless.

Besides that, the credit card provides compensations on travel inconveniences.

  • Up to RM500 on flight delay
  • Up to RM500 on flight misconnection
  • Up to RM500 on luggage delay
  • Up to RM1000 on luggage lost

The sum assured is doubled for family coverage. For example, your family gets covered for the luggage lost of up to RM2000. The travel insurance policy is underwritten by AXA Affin General Assurance Berhad.

Complimentary PA Insurance

On top of the travel insurance, you are covered with complimentary personal accident insurance upon the approval of Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless. The maximum sum assured is RM30000.

Low Finance Charge

The finance charge is the interest rate that Affin Bank imposed to your credit card account when there is outstanding balance from the previous month's statement. Despite Affin Bank offering 20 days' interest-free period for all the retail transactions, this does not apply to the outstanding balance.

Affinbank BHPetrol 'Touch & Fuel' MasterCard Contactless offers low finance charge for the card outstanding balance and even the lowest rate compared to the other Affinbank credit cards.

If you made the minimum payment on or before the payment due date, you can enjoy the finance charge rebate of 5.01% p.a. from the standard rate of 15% p.a.. This simply means that the interest rate is 9.99% p.a.. On the other hand, if Affin Bank received your minimum payment after the payment due date, the interest rate is 15% p.a..

The minimum monthly payment is 5% of the outstanding balance or RM50, whichever is higher.

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