Affinbank Touch n Go MasterCard Classic credit card

Affinbank Touch n Go MasterCard Classic

Tired of the long queue at every toll booth? Get in the fast lane with this 2-in-1 credit card with built-in Touch n Go and line of credits for your convenience

  • 12% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM50.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Swipe your Affinbank Touch 'n Go MasterCard Classic to redeem dining or shopping vouchers, branded merchandises and gadgets you always wanted. For every Ringgit spent on retail purchases, you will earn 1x AFFIN Rewards Points.
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 RM3000 
12 months0% p.a. and 4% one-time upfront handling feefrom RM3000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM3000 
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
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
Benefit from a low finance charge starting from 12% p.a. and an interest rate rebate of 5.5% when you make minimum monthly payment before or on the credit card bill due date.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM12,000 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
Contact-less Payment Methods
Supplementary Touch 'n Go card


Are you eligible for this credit card?

Minimum annual income
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


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 Touch n Go MasterCard Classic review

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

Rewards for Loyalty

Enter the emporium of free gifts with Affinbank Touch 'n Go MasterCard Classic - with every Ringgit transacted on retail purchases, you earn 1x AFFIN Rewards Points, a new loyalty program from Affin Bank that rewards you with a slew of benefits, gifts, vouchers, home appliances and more.

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).

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
  • RM1,000 for 12-month installment
  • RM2,000 for 18-month installment
  • RM2,000 for 24-month installment
  • RM3,000 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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