AFFINBANK MasterCard Classic

Apply for AFFINBANK MasterCard Classic by Affin Bank

Earn up to 0.8% cash rebate on your retail purchases, and enjoy a low finance charge too!

AFFINBANK MasterCard Classic
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Product Highlights

Cash back
AFFIN Bonus Cash Back

Earn AFFIN Bonus cash back of up to 0.8% on all retail spending except for petrol!

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!

Installment
Low Flexible Repayment Option

Option to pay only 5% of the outstanding amount due, partial or full payment which gives more control over your money and provide more flexibility in your spending.

Travel protection
Free Travel Protection

Enjoy free travel insurance coverage of up to RM 1,000,000 when you charge your air tickets to this card. Also enjoy free personal accident insurance of up to RM 100,000

Features

Cashback

Cash back
Cash Back Category Cash back Rate Monthly Cap Spend
All Retail Expenses 0.4% RM 12 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 RM250,000
Delayed Flight Up to RM250
Missed Flight Up to RM250
Lost Luggage Up to RM500
Delayed Luggage Up to RM250

Fees and Charges

Annual fee

RM53. Free for the first year.

Waived when you spend at least RM12,000 a year.

Annual Fee for Supplementary Card RM37.10
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