Affinbank MasterCard Classic credit card

Also available as Visa

Affinbank MasterCard Classic

Low Interest Rate Affinbank MasterCard Classic Credit Card with uncapped cash rebate. Earn up to 0.8% cashback on every purchase.

  • 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)
  • RM53.00 annual fee

Apply online now for Affinbank MasterCard Classic

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Affinbank MasterCard Classic

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Affin Bank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

Great cashback deal! Up to 0.8% uncapped cashback on all purchases except petrol!
Discover how much you can save when you shop with your new Affinbank MasterCard Classic
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 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 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. Interest rates start from 2.00%.
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
Free Travel Insurance (including compensation for delayed flights and lost luggage).
Travel CoverageSum Insured
Travel InsuranceUp to RM250000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250
Low Interest Rate
Good value 9.99% APR interest rate.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM12,000 for subsequent years
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

All fees & charges are inclusive of 6% GST if applicable


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 Classic review

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

Unlimited Cashback

Get cashback with all your retail purchases with Affinbank MasterCard Classic. The minimum total monthly spend is RM100 which gives you 0.4% AFFIN Bonus. For the monthly spending of RM1500 and above, you earn 0.8% AFFIN Bonus. There is no maximum monthly cap.

Bear in mind that the AFFIN Bonus does not apply on the petrol and government-related purchases.

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 RM12000 per year. The spending includes the retail and cash advance transactions. Otherwise, the annual fee costs you RM53 for the principal card or RM37.10 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 RM250000 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.

Low Interest Rate

The credit card interest rate is usually known as the finance charge. Your account will attract the interest rates when you do not make the minimum or full monthly payment of the outstanding balance from the previous month's statement.

The minimum monthly payment is 5% of the outstanding balance or RM50, whichever is higher by the payment due date. However, it's not encouraged to pay only the minimum payment for each month. This will cause you to pay more in interest and takes you a longer period to settle your outstanding balance.

For all retail transactions, you will get a rebate of 7.51% p.a. if you make the minimum payment before or by the payment due date. In other words, the interest rate is 9.99% p.a.. On the other hand, if you make the minimum payment after the payment due date, the interest rate will be RM17.5% p.a..

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.

Read More