Affinbank MasterCard Classic

Extensive line of credits and redeemable items under AFFIN Rewards Points Loyalty Program.

Affinbank MasterCard ClassicBe rewarded
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

Rewards

Stop dreaming and start earning! Swipe your Affinbank MasterCard Classic to redeem dining or shopping vouchers, branded merchandises and gadgets you always wanted. For every Ringgit spent on retail purchases, you will earn 1x AFFIN Rewards Points.

AFFIN Rewards Points
EarnSpend
1 point on every RM1on all retail transactions

Travel

Free Travel Insurance of up to RM250,000, including compensation for inconveniences such as flight delay, missed flight, luggage delay and loss of luggage.

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

Balance Transfer

Affin Bank Balance Transfer instalment Plan offers one-time fee from 2% and payment terms up to 36 months.

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

Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. Interest rates start from 2%.

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

Fees & Charges

Annual Fee
  • RM50 primary card

    Free for first year,you spend RM12,000 or swipe minimum 12 times in a year for subsequent years

  • RM25 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
RM10 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RM20 or 5% of withdrawn amount, whichever is higher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

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!

Review

Rewards for Loyalty

Enter the emporium of free gifts with Affinbank MasterCard Classic - with every Ringgit transacted on retail purchases, you will earn 1x AFFIN Rewards Points, a new loyalty program from Affin Bank lets you do what you do best and then reward you with a slew of benefits under the program.

How to get rewarded? You can visit the bank's reward program website to browse through the catalogue of free items you can redeem with your accumulated rewards points - let this be your motivation.

Also, there are ways to speed up your points collection: (1) sign up on other Affin Bank's products and services, or (2) encourage your supplementary cardholders to spent (or sign up for ones if you don't have any yet).

Annual Fee Waiver

The annual fee for Affinbank MasterCard Classic is waived for the first year. The fee is also waived for the subsequent year, provided that you spend a minimum of RM12,000 per year or swipe minimum 12 times in a year.

Otherwise, the annual fee costs you RM50 for the principal card or RM35 for each supplementary card.

Complimentary Travel Insurance

Enjoy peace of mind when you travel overseas. Affinbank MasterCard Classic offers free travel insurance of up to RM250,000 when you charge your full ticket fares to the card.

Affinbank MasterCard Classic also compensates the travel inconvenience coverage.

  • Up to RM250 for baggage delay
  • Up to RM500 for baggage lost
  • Up to RM250 for flight delay
  • Up to RM250 for flight misconnection

For family coverage, the sum assured amount is doubled. Bear in mind that the insurance coverage is underwritten by AXA Affin General Assurance Berhad.

Interest Free

Affinbank MasterCard Classic offers interest-free period for up to 20 days on all of your retail transactions, excluding the cash advance transactions. However, your outstanding balance from the previous month does not qualify for the interest-free period.