AFFINBANK MasterCard Classic by Affin Bank

Get to enjoy finance charge as low as 12% per annum on your retail purchases when you make minimum payment by the payment due date!

Get complimentary insurance coverage of up to RM 250,000 when you charge your full airline fare to your AFFINBANK credit card!

Get to earn 1 AFFIN rewards points for every RM 1 spent on any retail transactions!

Earn	Spent In
1x Rewards Points Per RM 1	All retail transactions

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 2% one-time upfront handling fee	From RM 1,000
12 Months	0% p.a. with 4% one-time upfront handling fee	From RM 1,000
18 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
24 Months	0% p.a. with 6% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 2% one-time upfront handling fee	From RM 500
12 Months	0% p.a. with 4% one-time upfront handling fee	From RM 1,000
18 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
24 Months	0% p.a. with 6% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Annual Fee For Primary Card	RM 50*
Annual Fee For Supplementary Card	RM 35*
Mininum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 5 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 50
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	17.5% p.a.

*First year waived. Subsequent years waived when you spend a minimum of RM 12,000 p.a. or make a minimum of 12 transactions p.a.

12.0% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment before or on the payment due date
17.5% Per Annum	Tier 2: Cardmembers who settle their minimum payment after the payment due date

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone