Affinbank Visa Business Platinum

A contactless-enabled card for SME business owners with unlimited cashback for overseas transactions, 6X free access to Plaza Premium Lounge & free green fees.

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


Unlimited cashback of 1% whenever you spend on overseas retail purchases, and 0.3% cashback on all other local retail purchases. Cashback is not applicable for cash advance, charity, government and petrol transactions.

Cashback categoryCashback rateMonthly capSpend
Overseas Retail Spend1%uncappedany amount monthly
Local Retail Spend0.3%uncappedany amount monthly


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 Million, including compensation for inconveniences such as flight delay, missed flight, luggage delay and loss of luggage.

Travel CoverageSum Insured
Personal AccidentUp to RM100,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM1,000


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.

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 RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6% one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. One-time interest rate starts from 2%.

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 per year in 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  years old primary card
Who can apply
  • For Sole Proprietorship and Partnership


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.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Say hello to ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.
Balance Transfer Plans
AffinBank Balance Transfer Installment Plan
Get Balance Transfers from 6 to 36 months with low one-time upfront interest charge starting. Tame your credit card bills now with Affin Bank!


6X Complimentary Airport Lounge Access for Affinbank Visa Business Platinum

With a minimum spend of RM2,000 every month, Affinbank Visa Business Platinum cardholders 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.

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 the 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 to your petrol, charity, 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 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.

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 golf courses in Singapore, Thailand, Vietnam and the Philippines!

Please be noted that the feature is applicable for the Principal cardholders only, with a minimum spend of RM2,000 in the latest month or RM24,000 per year.

Flexible Credit Lines

To meet your varied financial needs, Affinbank Visa Business Platinum credit card offers a range of lines 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 a 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.

Enjoy 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 theaters. 

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