Affinbank Touch 'n Go MasterCard Gold credit card

Affinbank Touch 'n Go MasterCard Gold

Get in the fast lane with this 2-in-1 credit card, allowing you to spend smartly, get rewarded for spending and skip long queue at toll booths.

  • 12% 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 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Swipe your Affinbank Touch 'n Go MasterCard Gold 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 only 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 2.00%.
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
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 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
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
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 Gold 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 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).

Touch 'n Go

You may wonder what is good about a credit card that offers Touch 'n Go. With Affinbank Touch 'n Go MasterCard Gold, you do not need to worry about insufficient credit when you need a Touch 'n Go card for your access to tolls, trains, buses and more.

Besides that, you can enjoy automatic reload when your Touch 'n Go balance falls below RM50. The auto reload amount of RM100 will be charged to your credit card directly. 

You have to make sure that your Affinbank Touch 'n Go MasterCard Gold has the sufficient credit limit. Noted that the reload fee comes together with an auto reload fee of RM2.

Moreover, you can request to refund the Touch 'n Go balance upon the card cancellation, renewal or replacement. You can expect the balance to be credited to your Affinbank Touch 'n Go MasterCard Gold account within 2 or 3 weeks from the request date. 

For your information, there's an administration fee of RM5 charged by Touch 'n Go Sdn Bhd prior refund.

Supplementary Cards

You can always share the card benefits with your loved ones by giving them the supplementary cards. The minimum age requirement is 18 years old and above. No minimum income is required for supplementary card holders. 

You can apply up to 3 supplementary cards with the first year annual fee is waived. For the subsequent years, the annual fee will be RM75. However, the annual fee can be waived if you spend a minimum of RM24,000 in a year, combined with the principal and supplementary card(s).

On top of that, the supplementary card holders share the same credit limit with the principal card holders. The supplementary card holders can share the principal's total credit limit of minimum RM8,000. 

Besides that, the principal card holders can assign the credit limit. For example, as a principal card holder, you can set RM5,000 to your credit limit and RM3,000 for the supplementary card.

Low Interest Rate

The interest rate is also known as the finance charge. Affinbank Touch 'n Go 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. interest rate 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.

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