Affinbank MasterCard Classic

Enjoy low finance charge from 12% p.a. with interest rate rebate every month, extensive line of credits and redeemable items under AFFIN Rewards Points Loyalty Program.

12% p.a. interest rate
20 days interest-free period
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM53.00 annual fee
Earn up to 1x reward point

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for Affinbank MasterCard Classic

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My income is greater than RM24000 a year. That's at least RM2000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

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
Earn	Spent
1 point on every RM1	on all retail transactions

Your AFFIN Rewards Points earned expires in 3 years

Balance Transfer

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

Pay Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 2% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 4% one-time upfront handling fee	from RM1000
18 months	0% p.a. and 5% one-time upfront handling fee	from RM2000
24 months	0% p.a. and 6% one-time upfront handling fee	from RM2000
36 months	0% p.a. and 7% one-time upfront handling fee	from 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%.

Pay Over	With Interest Rate At	When You Spend
6 months	2% one-time upfront handling fee	from RM500
12 months	4% one-time upfront handling fee	from RM1000
18 months	5% one-time upfront handling fee	from RM2000
24 months	6% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about AffinBank EiPlan

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 Coverage	Sum Insured
Travel Insurance	Up to RM250000
Delayed Flight	Up to RM250
Missed Flight	Up to RM250
Lost Luggage	Up to RM500
Delayed Luggage	Up to RM250

Low Interest Rate: Benefit from a low finance charge starting from 12% p.a. and an interest rate rebate of 5.5% when you make minimum monthly payment before or on the credit card bill due date.

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM53.00

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

Annual Fee for Supplementary Card

RM37.10

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

17.5%

Daily Maximum Cash Withdrawal

25% of total amount

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

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.

Cash Advance / Cash Loan: Affin Cash On Call Instalment Plan; Cash Advance is a loan against the credit limit of your card at a reasonable rate.

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?

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 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 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.

Low Interest Rate

The interest rate is also known as the finance charge. Affinbank MasterCard Classic offers low interest rates start from 12% p.a. on your outstanding account balance for your previous months.

If you make the minimum payment before or by the payment due date, you can enjoy 5.5% p.a. rebate. For your information, the minimum monthly payment is 5% of the outstanding balance or RM50 whichever is higher based on the payment due date.

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.