Affinbank Visa Classic

Spend to your heart's content while managing cash flow effectively with extensive line of credits and redeemable items under AFFIN Rewards Points Loyalty Program.

Affinbank Visa Classic1x AFFIN Rewards Points
Min. Income
RM2,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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
EarnSpend
1 point on every RM1on all retail transactions

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 RM250,000
Delayed FlightUp to RM250
Missed FlightUp to RM250
Lost LuggageUp to RM500
Delayed LuggageUp to RM250

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 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. Your interest rates start from as low as 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
  • RM50 primary card

    Free for first year

    Waived when you spend RM12,000 or swipe minimum 12 times in a year for subsequent years

  • RM25 supplementary card
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, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM50
Cash withdrawal fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
17.5%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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!

Review

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.

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