With Affinbank MasterCard Gold, all of your retail spending is eligible for cashback, or as what Affin Bank puts it, AFFIN Bonus. The minimum purchase required is RM100 to be eligible for the cashback. If your total monthly spending is between RM100 and RM1500, you can earn 0.4% Affin Bonus. That means the cashback cap falls between RM0.40 and RM6. If you spend more than RM1500 a month, you can enjoy unlimited cashback of 0.8%.
However, petrol and government-related transactions are not eligible for Affin Bonus.
Complimentary Travel Insurance
Just charge the full airline fare to your Affinbank MasterCard Gold and you will be protected with the travel insurance of up to RM500000 automatically. The insurance is underwritten by AXA Affin General Assurance Berhad. Now, you can travel with peace of mind.
Affinbank MasterCard Gold also offers travel inconvenience insurance.
- Up to RM500 for flight delay
- Up to RM500 for flight missed connection
- Up to RM500 for luggage delay
- Up to RM1000 for luggage lost
Your family will be compensated with double sum assured on travel inconvenience insurance.
Easy Installment Plan (EiPlan)
If you think you are not able to afford the total purchase amount in lump sum, you can opt for Affin Bank EiPlan that allows you to turn the big purchases to affordable monthly instalment. This benefit is applicable to any merchants.
The repayment period is from 6 to 36 months with different one-time upfront charge and minimum purchase amount.
- 2% for 6 months' instalment with minimum spending of RM500
- 4% for 12 months' instalment with minimum spending of RM1000
- 5% for 18 months' instalment with minimum spending of RM2000
- 6% for 24 months' instalment with minimum spending of RM2000
- 7% for 36 months' instalment with minimum spending of RM3000
You have to decide which is the best repayment tenure for you. Otherwise, you will be charged RM50 penalty on the plan cancellation before the end of your chosen tenure. Besides that, you have to repay the full monthly instalment amount before or by the payment due date to avoid high credit card interest rate of 17.5% p.a..
Annual Fee Waiver
Affinbank MasterCard Gold is free from annual fee for the first year. For the subsequent year, the annual fee is RM159 for the principal card and RM79.50 for each supplementary card, inclusive of 6% GST.
However, the annual fee for the subsequent years can be waived with a minimum spend of RM24000 each year.