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AFFINBANK MasterCard Basic

AFFINBANK MasterCard Basic

Shop and travel with peace of mind with this starter credit card that has a lifetime waived annual fee!

Interest Rate

9.99% p.a.

Balance Transfer

0.0% p.a.

Cashback

up to 0.8%

Annual Fee

Free

Lowinterest
Low Interest Rate

Enjoy finance charges of as low as 9.99% p.a.!

Interest
7.51% p.a. Interest Rate Rebate

Earn finance charge rebate of 7.51% p.a. (0.63% per month) when you make minimum payment by or before payment due date!

Travel protection
Free Travel Inconvenience Insurance

Enjoy free insurance coverage for flight delays, missed connections, luggage delay, and lost luggage.

Features

Cashback

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Retail Expenses 0.4% RM 6 from RM100 to RM1,500 monthly
All Retail Expenses 0.8% uncapped from RM1,501 and above monthly
  • Petrol and government-related transactions are not eligible for cash back.

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 months 0% p.a. and 1% one-time upfront handling fee from RM5000
12 months 0% p.a. and 4% one-time upfront handling fee from RM1000
18 months 0% p.a. and 7% one-time upfront handling fee from RM1000
24 months 0% p.a. and 9% one-time upfront handling fee from RM1000

Affin Bank Easy Installment Plan

Easy payment
Pay Over With Interest Rate At When You Transfer
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

Travel Insurance

Travel
Travel Coverage Sum Insured
Travel Insurance Up to RM500,000
Delayed Flight Up to RM250
Lost Luggage Up to RM500
Delayed Luggage Up to RM250

Fees and Charges

Annual fee Free for life.
Annual Fee for Supplementary Card Free for life.
Mininum monthly payment RM50 or 5% of outstanding amount
Late payment fee RM5 or 1% of outstanding amount, up to maximum of RM50
Cash Withdrawal Fee RM21.20 or 5.30% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals 17.5%
*inclusive of 6% GST

Interest Rate

9.99% Interest Rate Per Annum Tier 1: Cardholders with prompt minimum payment for 12 consecutive months.
17.5% Interest Rate Per Annum Tier 2: Cardholders who do not meet the above requirement.

Requirements

Minimum Annual Income RM24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old

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