Affinbank Visa Gold

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

Affinbank Visa GoldFirst Year Free
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

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

AFFIN Rewards Points
EarnSpend
1 point on every RM1on all retail transactions

Travel

Free Travel Insurance of up to RM500,000, including compensation for flight delay, missed flight, luggage delay and loss of luggage.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM500
Missed FlightUp to RM500
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM500

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

  • RM75 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
18%

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

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 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 merchants can now turn into monthly installments easily with Affinbank EiPlan.

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

The minimum purchase amount differs from each tenure.

  • RM500 for 6 months' installment
  • RM1,000 for 12 months' installment
  • RM2,000 for 18 and 24 months' installment
  • RM3,000 for 36 months' installment

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

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.

Affinbank Visa Gold Travel Insurance Coverage

With Affinbank Visa Gold, you are rewarded with complimentary travel insurance coverage to secure your peace of mind when traveling. 

The maximum sum assured for the card is RM500,000.

Remember that you have to charge the airline tickets with your Affinbank Visa Gold to enjoy the benefit.

On top of that, you are eligible for the travel inconvenience insurance.

  • Up to RM500 for flight delay
  • Up to RM500 for flight misconnection
  • Up to RM500 for baggage delay
  • Up to RM1,000 for baggage loss

The coverage amount is 2x for your family. 

The insurance coverage is underwritten by AXA Affin General Assurance Berhad.

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