Affinbank Visa Gold credit card

Also available as MasterCard

Affinbank Visa Gold

Low interest Affinbank Visa Gold Credit Card with uncapped cashback on retail spend, with special cash rewards for cardholders.

  • 9.99% p.a. interest rate
  • 20 days interest-free period
  • up to 0.8% cashback
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM159.00 annual fee

Apply online now for Affinbank Visa Gold

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Affinbank Visa Gold

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Affin Bank website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

Great cashback deal! Up to 0.8% uncapped cashback on all purchases except petrol!
Discover how much you can save when you shop with your new Affinbank Visa Gold
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM100 up to RM1500 monthly0.4%RM6from RM100 up to RM1500 monthly
All RetailSpendfrom RM1501 and above monthly0.8%uncappedfrom RM1501 and above monthly
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
Good value 9.99% APR interest rate.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM24,000 for subsequent years
Annual Fee for Supplementary Card
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
Daily Maximum Cash Withdrawal
25% of total amount

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


Are you eligible for this credit card?

Minimum annual income
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


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?

Unlimited Cashback

All your retail purchases are eligible for unlimited cashback (Affin Bonus) with Affinbank Visa Gold. The minimum total monthly spending is RM100 which gives you 0.4% cashback. The maximum cashback you can earn is RM6 with your spending of RM1500. If you spend more than that amount in a month, you can enjoy 0.8% unlimited cashback.

Bear in mind that the cashback is not available for petrol and government-related transactions.

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 on your outstanding account balance for your previous months. In case that you choose to settle the outstanding with the minimum payment, you will have to pay the interest rate of 17.5% p.a.. For your information, the minimum monthly payment is 5% of the outstanding balance or RM50 whichever is higher based on the payment due date.

If you make the minimum payment before or by the payment due date, you can enjoy 7.51% p.a. rebate. In other words, the interest rate is 9.99% p.a.. However, if the minimum payment is made after the payment due date, you will be imposed with the interest rate of 17.5% p.a..

Read More