Affinbank Visa Basic

A basic card that empowers your spending habit and simplifies cash flow management - all at zero annual cost for life!

Affinbank Visa BasicFree Annual Fee for Life
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Travel

Get yourself a complimentary travel insurance whenever you charge your flight ticket to your Affin Bank credit card in full. Whether it's flight delay, luggage delay, lost of luggage and missed connection, this insurance has got it all covered!

Travel CoverageSum Insured
Travel InsuranceUp to RM250,000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250

Balance Transfer

You are bound to miss your credit card payment if you hold multiple cards at the same time. Consolidate all outstanding balance into one manageable sum with this balance transfer and make full use of the low upfront interest rate charges you get.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6% one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Select your desired payment duration from 6 months to as long as 36 months for your purchases with Affin Bank Easy Instalment Plan.

AffinBank EiPlan
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
18 months5% one-time upfront handling feeRM2,000
24 months6% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about AffinBank EiPlan

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM5 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
17.5%
Daily Maximum Cash Withdrawal
Up to 25%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
AffinBank EiPlan
AffinBank Easy Installment Plan converts your retail shopping into easy monthly payments. It's a simple and easy way to make shopping affordable.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Say hello to ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.
Balance Transfer Plans
AffinBank Balance Transfer Installment Plan
Get Balance Transfers from 6 to 36 months with low one-time upfront interest charge starting. Tame your credit card bills now with Affin Bank!

Review

Free for Life

If you're looking for a basic credit card without expecting to pay the annual fee, Affinbank Visa Basic could be your choice. 

The annual fee is waived for life without any hidden charges or conditions. 

As long as you are 21 years old and above who earns RM24,000 a year, you are eligible to apply Affinbank Visa Basic.

Cash Withdrawals

The cash withdrawal refers to the cash advance for the credit cards. You can withdraw cash from your Affinbank Visa Basic account for up to 3 transactions per day. 

The maximum withdrawal limit is 25% of your credit limit or available credit limit, whichever is lower. 

Besides that, if you are not able to repay the withdrawal amount before the payment due date, the finance charge between 15% to 18% p.a. will be incurred on your Affinbank Visa Basic account.

Easy Installment Plan (EiPlan)

The EiPlan helps to ease your financial burden on large purchases by converting the amount to affordable instalments within the chosen period. 

The maximum instalment amount depends on your available credit limit with all your Affin Bank credit cards. 

You can opt for the instalment period of 6, 12, 18, 24 and 36 months.

Affin Bank offers zero interest on instalment, however, there's a one-time upfront fee. 

The minimum purchase requirement is different for each period.

  • 2% for 6-month instalment with a minimum purchase of RM500
  • 4% for 12-month instalment with a minimum purchase of RM1000
  • 5% for 18-month instalment with a minimum purchase of RM2000
  • 6% for 24-month instalment with a minimum purchase of RM2000
  • 7% for 36-month instalment with a minimum purchase of RM3000

If you are not able to make the repayment before the due date or pay lesser than the instalment amount, there's a finance charge of 17.5% p.a. which will be reflected in your instalment amount at the next statement.

Free Travel Insurance

You will be covered with travel insurance automatically for up to RM250000 when you charge the full airline tickets to your Affinbank Visa Basic.

The insurance is underwritten by AXA Affin General Assurance Berhad.

Besides that, you will be compensated for the travel inconvenience coverage.

  • Up to RM250 for flight delay
  • Up to RM250 for flight misconnection
  • Up to RM250 for luggage delay
  • Up to RM500 for luggage lost

The sum assured is double for the family coverage.