Affinbank World MasterCard

Embrace a world of privileges such as insurance above RM1 million, free entry to airport lounges worldwide, and 24/7 MasterCard concierge services.

Affinbank World MasterCardHigh Cash Advance
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn 1x AFFIN Reward Points for every RM1 spent on local retail purchases with your Affinbank World MasterCard and 3x AFFIN Rewards Points on overseas purchases. Collect enough reward points to redeem various items offered under the program.

AFFIN Rewards Points
3 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail transactions


Automatic travel insurance coverage up to RM1,000,000 when you charge full air tickets fare using the Affin Bank World MasterCard. Convert your AFFIN Rewards Points to Enrich Miles, AirAsia BIG Points and Malindo Miles.

Travel CoverageSum Insured
Personal AccidentUp to RM100,000
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM1,000

Interest Rate

Benefit from a low finance charge starting from 12% p.a. and an interest rate rebate of 6% when you make minimum monthly payment before or on the credit card bill due date.


Enjoy 6x complimentary priority pass per year at the Airport Lounge. 24 hours WORLD MasterCard concierge service to assist you from travel arrangements, shopping, reservation and more. Complimentary green fees at the finest golf courses in Malaysia, Thailand and Indonesia.

Balance Transfer

Affin Bank Balance Transfer instalment Plan offers low one-time upfront charges and payment terms up to 36 months. One-time interest is as low as 2%.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5% one-time upfront handling feefrom RM2,000
24 months0% p.a. and 6% one-time upfront handling feefrom RM2,000
36 months0% p.a. and 7% one-time upfront handling feefrom RM3,000
Learn more about AffinBank Balance Transfer Installment Plan

Easy Payment Plans

Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. One-time interest rate starts from 2%.

AffinBank EiPlan
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
18 months5% one-time upfront handling feeRM2,000
24 months6% one-time upfront handling feeRM2,000
36 months7% one-time upfront handling feeRM3,000
Learn more about AffinBank EiPlan

Fees & Charges

Annual Fee
  • RM500 primary card

    Free for first year

    Waived when you spend RM48,000 or swipe minimum 12 times in a year for subsequent years

  • RM400 supplementary 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
Daily Maximum Cash Withdrawal
Up to 70%


Minimum Annual Income
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
AffinBank EiPlan
AffinBank Easy Installment Plan converts your retail shopping into easy monthly payments. It's a simple and easy way to make shopping affordable.
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
Get Balance Transfers from 6 to 36 months with low one-time upfront interest charge starting. Tame your credit card bills now with Affin Bank!