Affinbank Visa Gold credit card

Also available as MasterCard

Affinbank Visa Gold

A simple credit card jam-packed with benefits and credit lines for your convenience. Enjoy first year annual fee waiver plus low finance charge of 12% p.a. an interest rate rebate for prompt credit card bill settlement.

  • 12% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee
  • Earn up to 1x reward point 

Apply online now for Affinbank Visa Gold

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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Like gifts and free items? 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 is exchangeable for gifts, vouchers and other merchandises for free!
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 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 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. Interest rates start from 2.00%.
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
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
RM159.00
  • Free for first year
  • Waived when you spend RM36,000 for subsequent years
Annual Fee for Supplementary Card
RM79.50
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%
Daily Maximum Cash Withdrawal
25% of total amount

All fees & charges are inclusive of 6% GST if applicable

Requirements

Are you eligible for this credit card?

Minimum annual income
RM36000
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 Gold review

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

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 spent (or sign up for ones if you don't have any yet).

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 RM500000. 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 RM1000 for baggage lost

The coverage amount is 2x for your family. The insurance coverage is underwritten by AXA Affin General Assurance Berhad.

Affinbank Easy Instalment Plan (EiPlan)

All the big purchases you cannot afford in one large sum at any merchants 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 from each tenure.

  • RM500 for 6 months' instalment
  • RM1000 for 12 months' instalment
  • RM2000 for 18 and 24 months' instalment
  • RM3000 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.

Low Interest Rate

The interest rate is also known as the finance charge. Affinbank Visa Gold 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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