Affinbank MasterCard Gold credit card

Also available as Visa

Affinbank MasterCard Gold

Low Interest Rate Affinbank MasterCard Gold Credit Card with uncapped 0.8% cashback, and waived annual fee for life!

  • 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)
  • RM159.00 annual fee

Apply online now for Affinbank MasterCard Gold

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Because you should be rewarded for giving the bank your business

Great cashback deal! Up to 0.8% uncapped cashback on all purchases except when pumping fuel at petrol stations.
Discover how much you can save when you shop with your new Affinbank MasterCard Gold
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 charges from as low as 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 RM500000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500
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 RM24,000 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.
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 Gold review

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

Unlimited Cashback

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.

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