Affinbank World MasterCard credit card

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.

  • 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)
  • RM530.00 annual fee

Apply online now for Affinbank World MasterCard

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Earn AFFIN Bonus cash rebate of 0.8% with minimum spending of RM100 on retail transaction, except for petrol and government related expenses.
Discover how much you can save when you shop with your new Affinbank World MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM100 up to RM10000 monthly0.8%RM80from RM100 up to RM10000 monthly
Balance Transfer
Affin Bank Balance Transfer instalment Plan offers low one-time upfront charges 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. One-time interest rate starts 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
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 CoverageSum Insured
Personal AccidentUp to RM100000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM2000
Delayed LuggageUp to RM1000
Low Interest Rate
Enjoy low credit card bill payments with good value 9.99% p.a. APR interest rate.
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
RM530.00
  • Free for first year
  • Waived when you spend RM48,000 for subsequent years
Annual Fee for Supplementary Card
RM424.00
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
70% of total amount

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM120000
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.
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 Affin Bank 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 flight and 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.

0.8% Cash Rebate

With a retail spend of at least RM100 with your Affin Bank World MasterCard, you will receive Affin Bonus cashback of 0.8%. If you apply within the first 3 months after launch (promotion period) , you can receive a maximum of RM200, but only RM80 after the promotion period has ended. Only petrol and government-related transactions are exempted from getting cash rebates.

High Insurance Coverage

You will get not one, but two types of insurance coverage with the Affin Bank 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 bank with Affin Bank, they will only charge you 9.99% p.a., calculated on a daily basis if you make the minimum payment on or before the stated due date.

For any payments made after the due date, your finance charge will be reverted to the usual 18%.

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!

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