Affinbank MasterCard Gold - Be Rewarded For Every Spending
Enter the emporium of free gifts with this Affinbank credit card. With every Ringgit transacted on retail purchases, you will earn 1x AFFIN Rewards Points, a new loyalty program from Affin Bank that lets you do what you do best and then rewards you with a slew of benefits under the program.
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 for other Affin Bank products and services, or
2. Encourage your supplementary cardholders to spend (or sign up for ones if you don't have any yet).
Easy Installment Plan (EiPlan)
If you think you are not able to afford the total purchase amount in a lump sum, you can opt for Affin Bank EiPlan which allows you to turn the big purchases into affordable monthly instalments. This benefit is applicable to participating merchants.
The repayment period is from 6 to 36 months with a different one-time upfront charge and minimum purchase amount.
- 2% one-time upfront interest for 6 months instalment with RM500 as the minimum spend amount
- 4% one-time upfront interest for 12 months instalment with RM1,000 as the minimum spend amount
- 5% one-time upfront interest for 18 months instalment with RM2,000 as the minimum spend amount
- 6% one-time upfront interest for 24 months instalment with RM2,000 as the minimum spend amount
- 7% one-time upfront interest for 36 months instalment with RM3,000 as the minimum spend amount
You have to decide which is the best repayment tenure for you. Otherwise, you will be charged an 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 a high credit card interest rate of 17.5% per annum.
Annual Fee Waiver for Affinbank MasterCard Gold Cardholders
Affinbank MasterCard Gold is free from the annual fee for the first year.
For the subsequent year, the annual fee is RM150 for the principal card and RM75 for each supplementary card.
However, the annual fee for the subsequent years can be waived with a minimum spend of RM24,000 or 12 swipes each year.