Affinbank MasterCard Gold

Low interest rate MasterCard Gold credit card with no annual fee. Enjoy comprehensive line of credits as well as loyalty points on retail spending.

Affinbank MasterCard GoldSpecial Cash Reward
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Like gifts and free stuff? Spend with your Affinbank MasterCard Gold on retail purchases as every RM1 spent will get you 1x AFFIN Rewards Points. Spend more to collect more points, which can be redeemed with gifts, vouchers and other merchandises!

AFFIN Rewards Points
1 point on every RM1on all retail transactions


Free Travel Insurance of up to RM500,000, including compensation for flight delay, missed flight, luggage delay and loss of luggage.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM500

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 RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6% one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. Interest rates start from 2%.

AffinBank EiPlan
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
18 months5% one-time upfront handling feeRM2,000
24 months6% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about AffinBank EiPlan

Fees & Charges

Annual Fee
  • RM150 primary card

    Free for first year

    Waived when you spend RM24,000 or swipe minimum 12 times in a year for subsequent years

  • RM75 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 25%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
AffinBank EiPlan
AffinBank Easy Installment Plan converts your retail shopping into easy monthly payments. It's a simple and easy way to make shopping affordable.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Say hello to ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.
Balance Transfer Plans
AffinBank Balance Transfer Installment Plan
Get Balance Transfers from 6 to 36 months with low one-time upfront interest charge starting. Tame your credit card bills now with Affin Bank!


Rewards for Loyalty

Enter the emporium of free gifts with Affinbank MasterCard Gold - 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).

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 RM500,000 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 RM1,000
  • 5% for 18 months' instalment with minimum spending of RM2,000
  • 6% for 24 months' instalment with minimum spending of RM2,000
  • 7% for 36 months' instalment with minimum spending of RM3,000

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 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 each year.