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)
RM150.00 annual fee
Earn up to 1x reward point

Benefits
Fees & Charges
Requirements
Features
Review
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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 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
Earn	Spent
1 point on every RM1	on 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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 1.5% one-time upfront handling fee	from RM3000
12 months	0% p.a. and 0% one-time upfront handling fee	from RM5000
12 months	0% p.a. and 2.5% one-time upfront handling fee	from RM3000
18 months	0% p.a. and 5% one-time upfront handling fee	from RM3000
24 months	0% p.a. and 6% one-time upfront handling fee	from RM3000
36 months	0% p.a. and 7% one-time upfront handling fee	from 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 Over	With Interest Rate At	When You Spend
6 months	2% one-time upfront handling fee	from RM500
12 months	4% one-time upfront handling fee	from RM1000
18 months	5% one-time upfront handling fee	from RM2000
24 months	6% one-time upfront handling fee	from RM2000
36 months	7% one-time upfront handling fee	from RM3000

Learn more about AffinBank EiPlan

Travel

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

Travel Coverage	Sum Insured
Travel Insurance	Up to RM500000
Delayed Flight	Up to RM500
Missed Flight	Up to RM500
Lost Luggage	Up to RM1000
Delayed Luggage	Up to RM500

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

RM150.00

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

Annual Fee for Supplementary Card

RM75.00

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

Late payment fee

RM5 or 1% of outstanding amount, up to a maximum of RM50

Cash withdrawal fee

RM20.00 or 5.00% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

17.5%

Daily Maximum Cash Withdrawal

25% of total amount

Requirements

Are you eligible for this credit card?

Minimum annual income: RM30000
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 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 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
RM1,000 for 12 months' instalment
RM2,000 for 18 and 24 months' instalment
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.

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.