Affinbank MasterCard Gold credit card

Also available as Visa

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM150.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Affinbank MasterCard Gold

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Because you should be rewarded for giving the bank your business

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
Your AFFIN Rewards Points earned expires in  3 years
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%.
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 of up to RM500,000, including compensation for flight delay, missed flight, luggage delay and loss of luggage.
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1000
Delayed LuggageUp to RM500

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM24,000 or swipe minimum 12 times in a year for subsequent years
Annual Fee for 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
Late payment fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
25% of total amount


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 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?

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.

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