Affinbank Visa Business Platinum

A contactless-enabled card for business owners that gives unlimited cashback for overseas and other retail transactions.

Affinbank Visa Business PlatinumUnlimited cashback for retail spend
Min. Income
RM10,000/month
Annual Fee
Free*
Cashback
up to 1%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

Unlimited cashback of 1% whenever you spend on retail purchases overseas, and 0.3% cashback on all other local retail purchases. However, please bear in mind that the cashback is not applicable for cash advances, charity, government and petrol transactions.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Overseas Retail Spend1%uncappedany amount monthly
Local Retail Spend0.3%uncappedany amount monthly

Easy Payment Plans

Affin Bank EiPlan offers you flexible payment terms from 6 months to 36 months on any retail purchase with participating merchants.

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
  • RM300 primary card

    First 2 years free

    Waived when you spend RM36,000 or swipe 12 times in a year on the subsequent years

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
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to 70%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM120,000
Minimum Age
  • 21 years old primary card
Who can apply
  • For business owners with the business actively in operations for a minimum of three (3) years

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.

Review

Annual Fee Waiver

If you're a business owner earning RM120,000 annually, aged 21 years and above, you can get an Affinbank Visa Business Platinum card.

All you need to pay upon credit card approval and the anniversary date is the Sales and Service Tax of RM25.

For the first two years, the annual fee is waived but you can still enjoy an annual fee waiver when you spend RM36,000 in a year or swipe 12 times per year from the third year onwards.

Unlimited Cash Back

With the Affinbank Visa Business Platinum card, you are entitled to unlimited cash back whenever you spend while you're on business trips. 

Earn 1% cash back on overseas purchases and 0.3% cash back on local purchases - no caps. 

Your cashback will be calculated at the end of your monthly statements and credited at the beginning of the following month. 

Do note that cashback is not applicable to your petrol, charity, or government-related transactions or Cash Withdrawals.

Affinbank Visa Business Platinum Tap to Pay

Another perk specially designed for your Affinbank Visa Business Platinum card is the contactless payment feature. 

Next time you go shopping, you only need to tap your card at the contactless reader, which is linked to an Electronic Point-of-Sales Terminal for purchases below RM250.

Flexible Instalment Plans

To meet your varied financial needs, the Affinbank Visa Business Platinum credit card offers flexible instalment plans at low interest rates.

For example, you can use the 0% EPP with this basic credit card at participating merchants with the bank.

Other than that, Affin Bank EiPlan also offers payment terms from 6 to 36 months on any retail purchase with a low one-time interest rate.

You also have the option to withdraw cash from your credit card at an ATM machine up to 90% of your facility limit.

Enjoy an Exclusive World of Privileges with Affinbank Visa Business Platinum

Have the convenience of 24-hour concierge service whenever you need to make an inquiry or require assistance making travel arrangements, shopping, and reservations at restaurants or theatres. 

You can use this personalised service wherever you are in the world!

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