Affinbank MasterCard Basic

A basic credit card with unlimited offers, benefits and credit lines at zero annual fee for life.

Free Annual Fee for Life

Affinbank MasterCard Basic
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Balance Transfer

Help yourself out of credit card debt misery with Affinbank balance transfer programme that offers you one-off interest rate charges as low as 2% over a period of 6-month.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6% one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Convert your large purchases into affordable monthly installment to ease your burden. Enjoy low interest rate starting at 2% that is charged only once upon application.

AffinBank EiPlan
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
18 months5% one-time upfront handling feeRM2,000
24 months6% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about AffinBank EiPlan

Features

Easy Payment Plan
AffinBank EiPlan
AffinBank Easy Installment Plan converts your retail shopping into easy monthly payments. It's a simple and easy way to make shopping affordable.
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.
Balance Transfer Plans
AffinBank Balance Transfer Installment Plan
Get Balance Transfers from 6 to 36 months with low one-time upfront interest charge starting. Tame your credit card bills now with Affin Bank!

Travel

You'll never have to spend a single cent on travel insurance no more! Charge your full travel fares to your Affinbank credit card to enjoy free travel insurance with comprehensive coverage!

Travel CoverageSum Insured
Travel InsuranceUp to RM250,000
Travel InsuranceUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250

Fees & Charges

Annual Fee
  • RM0 primary card
  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
17.5%
Daily Maximum Cash Withdrawal
RM -

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Review

Annual Fee Waiver

If you're looking for your first credit card, you can consider Affinbank MasterCard Basic that provides credit card benefits without the annual fee. The fee is waived forever with no hidden conditions.

Complimentary Travel Insurance

Affinbank MasterCard Basic offers automatic travel insurance of up to RM250,000 when you charge the full air ticket expenses on the card.

Besides that, the travel inconvenience insurance compensation is provided for free. For flight delays and misconnections, you will be compensated for up to RM250. If you get your luggage delayed, you will receive compensation of RM250. 

Other than that, if your luggage is lost, you can get reimbursed up to RM500. The sum assured for family coverage is double.

The insurance coverage is underwritten by AXA Affin General Assurance Berhad.

Cash Withdrawal

Similar to the debit card, the credit card allows you to perform cash withdrawal. For credit card, the cash withdrawal is also known as cash advance.

Affinbank MasterCard Basic allows you to perform cash withdrawals for up to 3 transactions a day. However, there's a cash withdrawal limit, which is 25% of the credit card limit or the available credit limit, whichever is lower. 

It is better to settle the withdrawal amount before the payment due date, otherwise, Affin Bank will charge you 17.5% p.a. on the outstanding balance. Unlike credit card spending, the interest-free period is not applicable on cash withdrawals.

Interest Rate Rebate

The credit card interest rate is also known as the finance charge, which starts from 15% p.a. up to 18% p.a., depending on how prompt you make you credit card bill payment every month. The minimum monthly payment is 5% of the outstanding balance or minimum of RM50, whichever is higher.

Easy Installment Plan (EiPlan)

The EiPlan helps to ease your financial burden on large purchase by converting the amount to affordable instalments within the chosen period. The maximum instalment amount depends on your available credit limit with all your Affin Bank credit cards.

You can opt for the instalment period of 6, 12, 18, 24 and 36 months.

Affin Bank offers zero interest on instalment, however, there's a one-time upfront fee. The minimum purchase requirement is different for each period.

  • 2% for 6-month instalment with minimum purchase of RM500
  • 4% for 12-month instalment with minimum purchase of RM1000
  • 5% for 18-month instalment with minimum purchase of RM2000
  • 6% for 24-month instalment with minimum purchase of RM2000
  • 7% for 36-month instalment with minimum purchase of RM3000

If you are not able to make the repayment before the due date or pay lesser than the instalment amount, there's a finance charge of 17.5% p.a. which will be reflected in your instalment amount at the next statement.