Affinbank Visa Business Platinum credit card

Affinbank Visa Business Platinum

A contactless-enabled card specially designed for SME business owners with unlimited cash back for overseas transactions, 6X complimentary access to Plaza Premium Lounge as well as complimentary green fees at the finest golf courses in Malaysia and Indonesia.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM300.00 annual fee

Apply online now for Affinbank Visa Business Platinum

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Unlimited cash back of 1% whenever you spend on your overseas purchases and 0.3% cash back on all other local retail purchases.
Discover how much you can save when you shop with your new Affinbank Visa Business Platinum
Cashback CategoryCashback RateMonthly CapSpend
Overseas Retail SpendSpendany amount monthly1%uncappedany amount monthly
Local Retail SpendSpendany amount monthly0.3%uncappedany amount monthly
Balance Transfer
Affin Bank Balance Transfer instalment Plan offers low one-time upfront charges and payment terms up to 36 months. One-time interest is as low as 2%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM3000 
12 months0% p.a. and 4% one-time upfront handling feefrom RM3000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM3000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM3000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank Balance Transfer Installment Plan
Easy Payment Plan (EPP)
Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. One-time interest rate starts from 2%.
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
Enjoy 6x complimentary access to the Plaza Premium Lounge both locally and internationally throughout the year! Also, Free Travel Personal Accident Insurance of up to RM1,000,000, including compensation for inconveniences such as flight delay, missed flight, luggage delay and loss of luggage.
Travel CoverageSum Insured
Personal AccidentUp to RM100000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM2000
Delayed LuggageUp to RM1000
Premium
Practice your swing with complimentary green fees at the finest golf courses in Malaysia and Indonesia. That's not all, you are also entitled to privileged access to prestigious golf courses in Singapore, Thailand, Vietnam and the Philippines.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM300.00
  • First 2 years free
  • Waived when you spend RM36,000 or swipe 12 times per year in the subsequent years
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
70% of total amount

Requirements

Are you eligible for this credit card?

Minimum annual income
RM48000
Minimum age for primary card holder
21 years old
Who can Apply
Any Business

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.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
AffinBank Balance Transfer Installment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Affinbank Visa Business Platinum review

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

Annual Fee Waiver

If you earn RM48,000 annually, aged 21 years and above, you can get your hands on Affinbank Visa Business Platinum card. All you need to pay upon credit card approval and anniversary date is the Sales and Service Tax of RM25.

For the first 2 years, the annual fee is waived but you can still enjoy annual fee waiver when you spend RM36,000 in a year or swipe 12 times per year.

Unlimited Cash Back

With Affinbank Visa Business Platinum card, you are entitled to unlimited cash backs 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 cash backs will be calculated at the end of your monthly statements and will be credited at the beginning of the following month. Do note that cash back is not applicable on your petrol, charity, government related transactions as well as Cash Withdrawals.

Tap to Pay

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

6X Complimentary Airport Lounge Access

With a minimum spend of RM2,000 every month, you can enjoy 6X Complimentary Plaza Premium Lounge access throughout the year. Indulge in some pampering and comfort when you travel both locally within Malaysia and internationally such as Cambodia, Indonesia, Philippines, Saudi Arabia, Singapore and Taiwan. 

That's not all, your accompanying guest can also enjoy the same access with a discount of 25% on all access to Plaza Premium Lounges within Malaysia and 20% access discount overseas. 

All you have to do is to present your Visa Business Platinum card at Plaza Premium Lounge's entrance to enjoy 6 complimentary entry per year to airport lounges worldwide.

Complimentary Green Fees

If you're an avid golfer, you would enjoy this perk Affinbank Visa Business Platinum card offers you - Complimentary Green Fees at the prestigious and finest golf courses in Malaysia and Indonesia. 

You also have a 24-hour AFFIN Visa Business Platinum Dedicated Line at 03-8230 2323 to make booking for golfing at other prestigious gold courses in Singapore, Thailand, Vietnam and the Philippines!

Flexible Credit Lines

To meet your varied financial needs, Affinbank Visa Business Platinum credit card offers a range of line of credits with flexible repayment methods at competitive rates.

For example, you can use Balance Transfer plan to settle all your credit card(s) outstanding or Cash Instalment Plan to supplement your cash needs. You can also enjoy 0% EPP with this basic credit card at participating merchants with the bank.

Other than that, Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase with one-time interest rate starting from 2%.

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

High Insurance Coverage

You will get not one, but two types of insurance coverage with the Affinbank Visa Business Platinum card. First of all, you will enjoy automatic travel insurance of up to RM1 million - but only if pay for your full travel ticket to your credit card.

But the cherry on the cake is the free personal accident insurance of up to RM100,000. This will make sure that you are covered for any injury, disability, or death due to an unforeseen event.

Exclusive World of Privileges

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

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