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 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 RM24,000 each year.
Low Interest Rate
The interest rate is also known as the finance charge. Affinbank MasterCard Gold 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.