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 RM24000 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. For Affinbank Visa Basic, the minimum credit limit is RM3000. The maximum limit depends on your eligibility criteria based on your credit rating.
However, each of your cash withdrawal transaction costs you 5.3% of withdrawal amount or minimum RM21.20, whichever is higher. Besides that, if you are not able to repay the withdrawal amount before the payment due date, the interest rate of 17.5% 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 purchase 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 minimum purchase of RM500
- 4% for 12-month instalment with minimum purchase of RM1000
- 5% for 18-month instalment with minimum purchase of RM2000
- 6% for 24-month instalment with minimum purchase of RM2000
- 7% for 36-month instalment with 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 with 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.