Affinbank Visa Classic credit card

Also available as MasterCard

Affinbank Visa Classic

Spend to your heart's content while managing cash flow effectively. Enjoy interest charges for as low as 12% and annual fee waiver every year.

  • 12% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM50.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Affinbank Visa Classic

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Stop dreaming and start earning! Swipe your Affinbank MasterCard Classic to redeem dining or shopping vouchers, branded merchandises and gadgets you always wanted. For every Ringgit spent on retail purchases, you will earn 1x AFFIN Rewards Points.
AFFIN Rewards Points
EarnSpent
1 point on every RM1on all retail transactions
Your AFFIN Rewards Points earned expires in  3 years
Balance Transfer
Affin Bank Balance Transfer instalment Plan offers upfront interest rates from 2.00% and payment terms up to 36 months.
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)
Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. Your interest rates start from as low as 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
Free Travel Insurance of up to RM250,000, including compensation for inconveniences such as flight delay, missed flight, luggage delay and loss of luggage.
Travel CoverageSum Insured
Travel InsuranceUp to RM250000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250
Low Interest Rate
Benefit from a low finance charge starting from 12% p.a. and an interest rate rebate of 5.5% when you make minimum monthly payment before or on the credit card bill due date.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM50.00
  • Free for first year
  • Waived when you spend RM12,000 or swipe minimum 12 times in a year for subsequent years
Annual Fee for Supplementary Card
RM35.00
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
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
17.5%

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.
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 Classic review

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

Annual Fee Waiver

Affinbank Visa Classic is exempted from annual fee for the first year. This saves you RM50 for the principal card and RM35 for each supplementary card.

No worries, the annual fee waiver is coming along for the subsequent years - just spend a minimum of RM12,000 in a year. There are no hidden conditions attached.

As long as you're 21 years old and above, you are qualified to hold Affinbank Visa Classic. Share your card benefits to your loved ones by applying for supplementary cards. The minimum age is 18 years old.

Rewards for Loyalty

Enter the emporium of free gifts with Affinbank Visa Classic - with every Ringgit transacted on retail purchases, you will earn 1x AFFIN Rewards Points, a new loyalty program from Affin Bank lets you do what you do best and then reward you with a slew of benefits under the program.

How to get rewarded? You can visit the bank's reward program website to browse through the catalogue of free items you can redeem with your accumulated rewards points - let this be your motivation.

Also, there are ways to speed up your points collection: (1) sign up on other Affin Bank's products and services, or (2) encourage your supplementary cardholders to spent (or sign up for ones if you don't have any yet).

Complimentary Travel Insurance

The travel insurance is important as it covers your cost if any unfortunate incidences happen during your travel period. Affinbank Visa Classic gives you RM250,000 travel insurance coverage for free. You will be covered automatically when you charge the full air fare to the card.

It's not a good travel memory when you experience luggage loss due to the airport transfer. Affinbank Visa Classic will provide compensation of up to RM500. 

Besides that, you will receive travel inconvenience coverage on flight delay, flight missed connection and luggage delay for up to RM250 each. The family coverage is 2x the sum assured of each individual.

Cash Withdrawal

The cash withdrawal is also known as cash advance. This service allows you to withdraw cash from ATM machines or over the counter ( OTC) at banks. You may perform the cash withdrawal for up to 3 transactions per day. 

The limit is set at 25% of your credit card limit or available credit limit, whichever is lower.

However, the cash withdrawal service is not given for free; for every withdrawal made, 5% or a minimum of RM20, whichever is higher, will be charged as a fee.

Low Interest Rate

The interest rate is also known as the finance charge. Affinbank Visa Classic offers low interest rates start from 12% p.a. on your outstanding account balance for your previous months.

If you make the minimum payment before or by the payment due date, you can enjoy 5.5% p.a. rebate. For your information, the minimum monthly payment is 5% of the outstanding balance or RM50 whichever is higher based on the payment due date.

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