Affin Gold

Specially designed for senior citizens of 50 years and above, celebrate your golden years with higher deposit interest rates and 10% off on General Insurance products - all for a lower initial deposit of RM1,000.

Affin Gold
Interest Rate
0.65% to 2% p.a.
Min. Deposit
Phone Banking
Account Statement

Interest Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountInterest Rate
RM1RM4,9990.65% p.a.
RM5,000RM99,9991.5% p.a.
RM100,000RM499,9991.8% p.a.
RM500,000RM999,9992% p.a.
RM1,000,000RM4,999,9992% p.a.
RM5,000,000No maximum2% p.a.


What would make it different?

Online Banking
PIDM Protected
Up to RM250,000
ATM Card

Fees & Charges

ATM Card Issuance Fee
MEPS Withdrawal Fee
Overseas Withdrawal Fee
Early Closure Fee
Inactive Account Fee


Minimum Age
  • 50 years old
Minimum Initial Deposit
Minimum Balance
Who can apply
  • Malaysians
  • Foreigners

More Information

Tell me about Affin Gold.

A savings account targeting customers aged 50 and above, offering attractive banking features and financial benefits that commensurate with your wealth needs.

Think of it as a safe box with investment interest in mind.

It is worth mentioning that the interest rates will be calculated daily and credited into your savings account every month. 

So, the more you save into this savings account, the higher the returns you will get on your deposit - you reap what you sow!

If you look at it closely, your savings account interest rates could be on par with any fixed deposit instruments. 

Plus, your deposit is guaranteed under the care of PIDM for up to RM250,000.

How do the interest rates work?

Affin Gold provides tiered interest rates depending on the amount of deposit you placed. 

For example, if you have a cash pile worth RM5,000 for starter, the interest rate applicable to your deposit will start from 1.5%. And remember, the interest rate is calculated daily!

You can always add more money into Affin Gold to gain higher interest on your deposit. 

There is no condition requiring you to keep the money for a certain period in order to maintain the interest rate. 

You can withdraw the money anytime you wish as it is your savings account!

What benefits do I get from Affin Gold?

The best part about savings with Affin Gold is that you will be qualified for a complimentary personal accident insurance, when you maintain a minimum account balance of RM5,000 at anytime. 

Personal accident coverage is pertinent, especially for senior citizens, as it will mitigate the financial consequences of your own and your loved ones when facing with death or total permanent disablement.

That's not all, you will also be entitled for a 10% discount on General Insurance products, such as Home Insurance, Car Insurance or Travel Insurance among others, with Affin Bank affiliates.

How do I track my cash flow?

Affin Bank provides a slew of channels for you to access and manage your cash flow, at your convenience. 

You can choose to keep track of all your transactions, spending, fund transfers etc via passbook or statement.

For the former, you can perform all your banking needs over the counter at the branch, whereas the latter gives you the flexibility to do so anytime and anywhere, as long as you have a device that connected to the internet. 

Sign up for internet banking facility in order to view your statement or have it delivered into your email every month. 

That way, you save energy and cost, eventually contribute to the welfare of our environment.

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