Affinbank Visa Basic credit card

Also available as MasterCard

Affinbank Visa Basic

Enjoy your vacation to the fullest knowing that you are well covered with the comprehensive travel insurance you get for free. Save even more with 0.8% cash back!

  • 9.99% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for Affinbank Visa Basic

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Regardless of how much you spend, you'll always get something in return, be it 0.4% cashback or a maximum of 0.8% cash back. Any petrol and government related transactions are not included.
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 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)
Select your desired payment duration from 6 months to as long as 36 months for your purchases with Affin Bank Easy Instalment Plan.
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
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 RM250000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
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

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
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 Visa Basic review

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

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.

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