Affinbank MasterCard Basic credit card

Also available as Visa

Affinbank MasterCard Basic

Kick off your credit card adventure with one that gives you all the convenience you should have and perks like 0.8% unlimited cashback and no annual fee!

  • 9.99% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for Affinbank MasterCard Basic

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Because you should be rewarded for giving the bank your business

Never thought you could save on your purchases? Get cash rebate up to 0.8% with no cap amount when you spend more than RM1500 per month!
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 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)
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.
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
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 RM250000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
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
Daily Maximum Cash Withdrawal
25% of total amount

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
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


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 MasterCard Basic review

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

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 RM250000 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. The minimum credit limit is set at RM3000 and the maximum limit is depending on your eligibility criteria.

Bear in mind that the cash withdrawal feature is not a free service. For each withdrawal, you will be charged 5.3% of the withdrawal amount or a minimum of RM21.20, whichever is higher. 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.

If you have outstanding balance carried forward from the previous month's statement, you can enjoy the interest rate rebate of 7.51% p.a. if you make the minimum payment before or by the payment due date. That means the interest rate will be 9.99% p.a.. On the other hand, if Bank Rakyat receives your minimum payment after the payment due date, the interest rate will increase to 17.5% p.a..

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

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