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..