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 RM2.12, 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.
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.
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.