Affinbank Visa Gold

Enjoy first year annual fee waiver plus low finance charge of 12% p.a. and interest rate rebate for prompt credit card bill settlement.

Affinbank Visa Gold1x reward points for retail spending
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Spend with your AFFIN Visa Gold on retail purchases as every RM1 spent will get you 1x AFFIN Rewards Point. Spend more to collect more points, which can be redeemed with gifts, vouchers and other merchandises!

AFFIN Rewards Points
1 point on every RM1on all retail transactions


Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points, and/or Malindo Miles and redeem your next free flights.

Balance Transfer

Affin Bank Balance Transfer instalment Plan offers one-time charges from as low as 2% 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. The upfront 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
  • RM150 primary card

    Free for first year

    Waived when you spend RM24,000 or swipe minimum 12 times in a year for subsequent years

  • RM150 supplementary card
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RM20 or 5% of withdrawn amount, whichever is higher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
Contact-less Payment Methods
Visa payWave


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


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 a low one-time upfront interest charged. Tame your credit card bills now with Affin Bank!


Affinbank Visa Gold - Rewards for Loyalty

Enter the emporium of free gifts with Affinbank Visa Gold.

With every Ringgit transacted on retail purchases, you will earn 1x AFFIN Rewards Points, a new loyalty program from Affin Bank that 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 spend (or sign up for ones if you don't have any yet).

Affinbank Easy Instalment Plan (EiPlan)

All the big purchases you cannot afford in one large sum at any merchant can now turn into monthly instalments easily with Affinbank EiPlan.

You can opt for the tenure of 6, 12, 18, 24 or 36 months.

The minimum purchase amount differs for each tenure.

  • RM500 for 6 months instalment
  • RM1,000 for 12 months instalment
  • RM2,000 for 18 and 24 months instalments
  • RM3,000 for 36 months instalment

EiPlan offers zero interest rate, but hold on for a second - you are required to pay the one-time upfront charge according to the tenures.

  • 2% for 6 months instalment
  • 4% for 12 months instalment
  • 5% for 18 months instalment
  • 6% for 24 months instalment
  • 7% for 36 months instalment

Just contact Affin Bank Call Centre at 03-5522 3000 for the EiPlan conversion.

You are required to provide the information in order to complete the EiPlan application form.

RM300,000 Affin Credit Shield Life Insurance

With Affinbank Visa Gold, you have the option to sign up for Affin Credit Shield.

This is group term life plan insurance that covers you against Death and Total Permanent & Disability for up to RM300,000 each.

For more information about this insurance, click here.

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