Affinbank MasterCard Gold

Get 1x AFFIN Rewards Points for all retail transactions which you can redeem the accumulated points with selected air miles program. No annual fee for the first year!

Affinbank MasterCard Gold1x rewards points for all retail spending
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 Point. Spend more to collect more points, which can be redeemed with air miles, gifts, vouchers and other merchandise!

AFFIN Rewards Points
1 point on every RM1on all retail transactions


Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points, and/or Malindo Miles and redeem your next free flights.

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 you flexible payment terms from 6 months to 36 months on any retail purchase with participating merchants.

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 the subsequent years

  • RM75 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 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 a low one-time upfront interest charged. Tame your credit card bills now with Affin Bank!


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.

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