Affinbank Touch 'n Go MasterCard Gold credit card

Affinbank Touch 'n Go MasterCard Gold

A great 2-in-1 credit card from Affin Bank - This credit card doubles as a low interest 0.8% cashback credit card and a convenient Touch 'n Go card.

  • 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)
  • RM159.00 annual fee

Apply online now for Affinbank Touch 'n Go MasterCard Gold

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Up to 0.8% uncapped cashback on all purchases, excluding petrol expenses.
Discover how much you can save when you shop with your new Affinbank Touch 'n Go MasterCard Gold
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 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 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
Low Interest Rate
Great value 9.99% APR interest rate.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM159.00
  • Free for first year
  • Waived when you spend RM24,000 for subsequent years
Annual Fee for Supplementary Card
RM79.50
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RM21.20 or 5.30% of withdrawn amount, whichever is higher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
RM36000
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 Gold review

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

Cashback

Save more with Affinbank Touch 'n Go MasterCard Gold that gives you cashback on all of your retail purchases. If you spend more than RM100 in a month, you can enjoy 0.4% AFFIN Bonus cashback that gives you maximum cashback of RM6. If you spend more than RM1500 in a month, the cashback rate is 0.8% with no maximum cap.

However, the petrol and government-related transactions are not eligible for cashback.

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 RM2.12, inclusive of 6% GST.

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 RM79.50. However, the annual fee can be waived if you spend a minimum of RM24000 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 RM8000. Besides that, the principal card holders can assign the credit limit. For example, as a principal card holder, you can set RM5000 to your credit limit and RM3000 for the supplementary card.

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