Affinbank Touch n Go MasterCard Classic credit card

Affinbank Touch n Go MasterCard Classic

Get double the benefits with the Affinbank Touch 'n Go MasterCard. Receive up to 0.8% cashback on your retail spend, along with extra Touch 'n Go feature.

  • 9.99% p.a. interest rate
  • 20 days interest-free period
  • up to 0.8% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM53.00 annual fee

Apply online now for Affinbank Touch n Go MasterCard Classic

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Great cashback deal! Up to 0.8% uncapped cashback on all purchases except petrol!
Discover how much you can save when you shop with your new Affinbank Touch n Go MasterCard Classic
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM100 up to RM1500 monthly0.4%RM6from RM100 up to RM1500 monthly
All RetailSpendfrom RM1501 and above monthly0.8%uncappedfrom RM1501 and above monthly
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 2.00%.
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
Travel
Emergency Helpdesk and Free Travel Insurance (including compensation for delayed flights and lost luggage).
Travel CoverageSum Insured
Travel InsuranceUp to RM250000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250
Low Interest Rate
Good value 9.99% APR interest rate.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM53.00
  • Free for first year
  • Waived when you spend RM12,000 for subsequent years
Annual Fee for Supplementary Card
RM37.10
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
17.5%
Daily Maximum Cash Withdrawal
25% of total amount
Contact-less Payment Methods
Supplementary Touch 'n Go card

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
60 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Anybody

Features

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.
Balance Transfer
AffinBank Balance Transfer Installment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Affinbank Touch n Go MasterCard Classic review

What's so good (or not so good) about it?

AFFIN Bonus

Your retail purchases will be rewarded with cashback, which is known as AFFIN Bonus. The minimum purchase is RM100 which gives you 0.4% cashback per month. If you spend more than RM1500 in a month, you can get unlimited AFFIN Bonus of 0.8%. However, the petrol and government-related transactions are not qualified for AFFIN Bonus.

Touch n Go

Affinbank Touch n Go MasterCard Classic enables the same function as the normal Touch n Go card. You can use the cards for access to trains, buses, tolls and more, as well as to make payment at participating stores.

Affinbank Touch n Go MasterCard Classic works as a better Touch n Go card, since you do not need to worry about insufficient credit balance. There's an auto reload of RM100 when the balance falls below RM50. You will be charged RM2.12 to your credit card account directly for each successful auto reload.

You can request to refund the unutilised Touch 'n Go balance on card replacement, renewal or cancellation. The request can be made at an Affin Bank branch or contact their customer service at 03-7947 5555. The balance will be credited to your Affinbank Touch n Go MasterCard Classic account within 2 to 3 weeks. Bear in mind that the administration fee of RM5 will be charged by Touch 'n Go Sdn Bhd prior to the refund.

Easy Installment Plan (EiPlan)

Spend first and pay later. Take home your favourite sofa and coffee table with Affin Bank EiPlan. Now, you can relax and make the monthly repayment with an affordable amount. You can choose either 6, 12, 18, 24 or 36 months’ installment period.

However, you should fulfill the requirement of the minimum purchase amount.

  • RM500 for 6-month installment
  • RM1000 for 12-month installment
  • RM2000 for 18-month installment
  • RM2000 for 24-month installment
  • RM3000 for 36-month installment

There's a one-time upfront charge on your installment based on the period chosen.

  • 2% for 6-month installment
  • 4% for 12-month installment
  • 5% for 18-month installment
  • 6% for 24-month installment
  • 7% for 36-month installment

Bear in mind that you have to make the full repayment by the due date to avoid a higher interest rate of 17.5% p.a. This applies the same if you pay a lesser amount than the monthly installment amount. In case that you would like to cancel the EiPlan before the end of tenure, you will have to pay RM50 penalty charge.

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