Affinbank Visa Classic credit card

Also available as MasterCard

Affinbank Visa Classic

With the Affinbank Visa Classic, you will enjoy interest rate charges for as low as 9.99%, and unlimited cashback of 0.8%.

  • 9.99% p.a. interest rate
  • 20 days interest-free period
  • up to 0.8% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM53.00 annual fee

Apply online now for Affinbank Visa Classic

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Great cashback deal! Up to 0.8% uncapped cashback on all purchases except petrol!
Discover how much you can save when you shop with your new Affinbank Visa Classic
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM100 up to RM1500 monthly0.4%RM6from RM100 up to RM1500 monthly
All RetailSpendfrom RM1501 and above monthly0.8%uncappedfrom RM1501 and above monthly
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 (including compensation for delayed flights and lost 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
Good value 9.99% APR interest rate.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM53.00
  • Free for first year
  • Waived when you spend RM12,000 for subsequent years
Annual Fee for Supplementary Card
RM37.10
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
17.5%

*inclusive of 6% GST

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.
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 RM53 for the principal card and RM37.10 for each supplementary card.

No worries, the annual fee waiver is coming along for the subsequent years - just spend a minimum of RM12000 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.

Unlimited Cashback

Every Ringgit you spend on retail transactions is taken into account for cashback. If you make retail purchases of more than RM100 a month, you can enjoy 0.4% cashback of AFFIN Bonus. Besides that, if you spend more than RM1500 a month, you will get unlimited 0.8% cashback.

However, retail transactions that qualify for cashback do not include petrol and government-related expenses.

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 RM250000 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. The charges are definitely higher if you compare to debit cards. It is 5.3% of withdrawn amount or a minimum of RM21.20, whichever is higher for domestic cash advance. The cost is slightly lower for cash advance at overseas, which is 5% of withdrawn amount or a minimum of RM20, whichever is higher.

On top of that, the credit card interest rate of 17.5% per annum will be incurred on your statement balance if you do not make the full payment by due date. Unlike credit card spending, the cash withdrawal does not qualify for 20 days’ interest-free period.

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