AFFIN Visa Gold
Enjoy a first-year annual fee waiver and collect 1x AFFIN Rewards Points for all retail transactions, which if accumulated enough, you can redeem with selected air miles.

Product summary
- 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
Hear from our users
Rewards
Spend with your AFFIN Visa Gold on retail purchases as every RM1 spent will get you 1x AFFIN Rewards Point. Spend more to collect more points, which can be redeemed with gifts, vouchers and other merchandise!
Earn | Spend |
---|---|
1 point on every RM1 | on all retail transactions |
Travel
Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points, and/or Malindo Miles and redeem your next free flights.
Balance Transfer
Simplify your credit card debt with the AFFIN Bank Balance Transfer Instalment Plan (BTiP). Transfer your outstanding balance from other banks and enjoy a one-time interest rate as low as 2% with a flexible repayment period of up to 36 months.
Pay Over | With Interest Rate At | When You Transfer |
---|---|---|
12 months | 0% p.a.and no one-time upfront handling fee | from RM2,000 |
Easy Payment Plans
Need to make a big purchase? With AFFIN 0% Easy Payment Plan (EPP), you can shop at participating merchants and split your payments into 0% interest-free instalments. Enjoy flexible repayment terms and ease your cash flow without paying extra charges.
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
3 months | 0% p.a. and no one-time upfront handling fee | RM500 |
6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
12 months | 0% p.a. and no one-time upfront handling fee | RM500 |
18 months | 0% p.a. and no one-time upfront handling fee | RM500 |
24 months | 0% p.a. and no one-time upfront handling fee | RM500 |
36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
60 months | 0% p.a. and no one-time upfront handling fee | RM500 |
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 the subsequent years
- RM75 supplementary card
- RM150 primary 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%
- Contact-less Payment Methods
- Visa payWave
Requirements
- Minimum Annual Income
- RM24,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Anybody
Features
- Easy Payment Plan
- AFFIN 0% Easy Payment Plan
- AffinBank Easy Installment Plan lets you split your retail purchases into manageable monthly payments, making shopping more affordable and hassle-free.
- 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
- Tame your credit card bills and transfer your outstanding balance to a new Affin Bank credit card for 12 months at 0% one-time upfront interest.