Affinbank Visa Business Platinum

A contactless-enabled card for business owners with unlimited cashback for selected transactions, 6X free access to participating Plaza Premium Lounge in Malaysia and overseas, plus free green fees.

Affinbank Visa Business PlatinumUnlimited cashback for retail spend
Min. Income
Annual Fee
up to 1%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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.

Overseas Retail Spend1%uncappedany amount monthly
Local Retail Spend0.3%uncappedany amount monthly


Enjoy 6x complimentary access to participating Plaza Premium Lounge in Malaysia and selected international airports throughout the year, when you spend a minimum of RM3,000 on the latest month's credit card statement. Accompanying guest(s) can enjoy a 25% discount on access to local Plaza Premium Lounges and a 20% discount on overseas Plaza Premium Lounges - you can enjoy these discounts too if you've used up the 6x free passes or if you didn't reach the minimum spending criteria amount mentioned. Other terms apply!


Practice your swing with complimentary green fees at the finest golf courses in Malaysia and selected Southeast Asian countries. This golf privilege is applicable to the Principal cardholder only and is subject to a minimum of RM3,000 in the latest month's credit card statement. Other terms apply!

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
Daily Maximum Cash Withdrawal
Up to 70%
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
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


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.


6X Complimentary Passes to Selected Plaza Premium Lounge

With a minimum spend of RM3,000 every month, Affinbank Visa Business Platinum cardholders can enjoy 6X complimentary passes to participating Plaza Premium Lounges in Malaysia and overseas, throughout the year. Indulge in some pampering and comfort when you travel both locally within Malaysia and internationally.

That's not all, your accompanying guest(s) can also enjoy the same access with a 25% discount on all access to Plaza Premium Lounges in Malaysia, with a 20% discount for the applicable walk-in rates overseas. Moreover, these discounts also apply to you as the Principal cardholder as well, so long you've used up the 6x free passes or if you spend below RM3,000 per the statement.

Find out more details about the airport lounge benefit via the T&C here. Check the list of participating Plaza Premium Lounges as well while you're at it!

Annual Fee Waiver

If you're a business owner who earns RM120,000 annually, aged 21 years and above, you can get your hands on 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 will be credited at the beginning of the following month. 

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

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 selected countries in Southeast Asia. 

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

Please note that this privilege is applicable for the Principal cardholders only, with a minimum spend of RM3,000 in the latest month.

Read the terms and conditions here and the list of participating golf courses here.

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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