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.

12% p.a. interest rate
20 days interest-free period
0% p.a. balance transfer over 36 months
Easy Payment Plan (EPP)
RM500.00 annual fee
Earn up to 1x reward point

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for Affinbank World MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

For every RM1 spent on retail purchases with your Affinbank World MasterCard, you will get 1x AFFIN Rewards Points. Collect enough reward points to redeem various items offered under the program.

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 low one-time upfront charges 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. One-time interest rate starts from 2%.

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

Automatic travel insurance coverage up to RM1,000,000 when you charge full air tickets fare using the Affin Bank World MasterCard. Free Personal Accident Insurance up to RM100,000.

Travel Coverage	Sum Insured
Personal Accident	Up to RM100000
Travel Insurance	Up to RM1000000
Delayed Flight	Up to RM1000
Missed Flight	Up to RM1000
Lost Luggage	Up to RM2000
Delayed Luggage	Up to RM1000

Low 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.

Premium: Enjoy 2 complimentary priority pass per year at the Airport Lounge. 24 hours WORLD MasterCard concierge service to assist you from travel arrangements, shopping, reservation and any other assistance from anywhere in the world. Additionally, get high credit limit and 70% maximum cash advance limit.

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM500.00

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

Annual Fee for Supplementary Card

RM400.00

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

RM10 or 1% of outstanding amount, up to a maximum of RM100

Cash withdrawal fee

RM20.00 or 5.00% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Daily Maximum Cash Withdrawal

70% of total amount

Requirements

Are you eligible for this credit card?

Minimum annual income: RM80000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Malaysians and Expatriates

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 World MasterCard review

What's so good (or not so good) about it?

Treat yourself to the Affinbank World MasterCard with exclusive golf, dining, and shopping privileges. Enjoy low interest charges on your retail spending, earn attractive cash rebates, and have complete peace of mind with automatic personal accident coverage during your travels abroad.

Excess Cash

If you ever need to make an urgent purchase or foot an exceptionally large bill, you can request for a cash advance of up to 70% of your credit card limit or available credit limit, whichever is lower.

For example, if you have a credit card limit of RM10,000, you will be able to receive RM7,000 excess cash to leverage on your purchasing power.

AFFIN Rewards Points

Introducing a new loyalty program from Affin Bank, the AFFIN Rewards Points, replacing 0.8% cashback you previously earned for spending with Affinbank World MasterCard. Through this new program, you will earn 1x AFFIN Rewards Points for every Ringgit spent on retail purchases.

You can shopping to your heart's content knowing that you will be rewarded in return. Start browsing Affin Bank's loyalty program catalogue now for a wide variety of items worth redeeming.

High Insurance Coverage

You will get not one, but two types of insurance coverage with the Affinbank World MasterCard. First of all, you will enjoy automatic travel insurance of up to RM1 million - but only if pay for your full travel ticket to your credit card.

But the cherry on the cake is the free personal accident insurance of up to RM100,000. This will make sure that you are covered for any injury, disability, or death due to an unforeseen event.

Low Finance Charges

Most banks will charge their customers 15% - 18% p.a. on their credit card repayments. But when you choose to sign up Affin Bank credit card, the finance charge starts from as low as 12% p.a..

Depending on how prompt you make you credit card bill payment every month, you could be slapped with a maximum of 18% p.a. If you make a minimum monthly payment on or before the stated due date, you will get a interest rate rebate of 6%.

Exclusive World MasterCard privileges

We're not done yet! Let us start with the most interesting bit - just by presenting your credit card at the entrance, you will enjoy 2 complimentary entry per year to airport lounges at over 600 airports worldwide.

Have the convenience of 24-hour World MasterCard concierge service whenever you need to make an inquiry or require assistance making travel arrangements, shopping, and reservations at restaurants or theaters. You can use this personalised service wherever you are in the world!