Affinbank World MasterCard

Embrace a world of privileges such as up to 3x AFFIN Rewards Points to collect, free entries to selected Plaza Premium Lounges and 24/7 World Mastercard concierge services.

Affinbank World MasterCardUp to 3x reward points & travel benefits
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 Rewards Points for every RM1 spent on local retail purchases and 3x AFFIN Rewards Points on overseas purchases. Collect enough reward points to redeem various items offered under the program such as air miles redemption and more.

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


Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points and Malindo Miles. Enjoy 6x complimentary access all year-round to participating Plaza Premium Lounges in Malaysia and selected countries, subject to a minimum of RM3,000 spending criteria stated in the latest credit card statement. Your accompanying guest can also enjoy 25% and 20% discounts on access to Plaza Premium Lounges in Malaysia and overseas respectively. Other terms apply!


Enjoy 24-hour World Mastercard concierge service to assist you with travel arrangements, shopping, reservations and more. What's more, enjoy complimentary green fees at the finest participating golf courses in Malaysia, and selected countries within Southeast Asia. This golf privilege is applicable only to the Principal cardholder and is subject to a minimum of RM3,000 spending criteria stated in your latest credit card statement. Other terms apply.

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 you flexible instalment payment terms from 6 months to 36 months on any retail purchase with participating merchants.

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 of retail transactions in a year for the 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%
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 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 a low one-time upfront interest charged. Tame your credit card bills now with Affin Bank!


Treat yourself to the Affinbank World MasterCard with exclusive golf, dining, and shopping privileges.

Affinbank World MasterCard - Excess Cash

If you ever need to make an urgent purchase or foot an exceptionally large bill, you can request 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 your purchasing power.

AFFIN Rewards Points

Introducing a new loyalty program from Affin Bank, the AFFIN Rewards Points, replacing the 0.8% cash back 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 local retail purchases and 3x AFFIN Rewards Points for every Ringgit spent on overseas purchases. 

You can shop 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.

6x Complimentary Airport Lounge Access

You've worked hard, why not pamper yourself in a premium airport lounge before you board the plane?

Exclusively for Affinbank World cardholders, you will get 6x complimentary access to participating Plaza Premium Lounge locally and internationally, per year. To enjoy this benefit, you must spend a minimum amount of RM3,000 on your latest credit card statement.

Not spending much? Don't worry! Flash your Affinbank World credit card to get a 25% discount on the walk-in rate for the participating Plaza Premium Lounge in Malaysia and a 20% discount on the applicable walk-in rates for Plaza Premium Lounge overseas. These discounts are applicable to your accompanying guest(s) as well.

For more information about this exclusive airport lounge benefit, check out the T&C here, and find out the list of participating Plaza Premium Lounges as well while you're at it!

Exclusive World MasterCard privileges with Affinbank World MasterCard

We're not done yet! 

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 theatres. 

You can use this personalised service wherever you are in the world!

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