AFFIN INVIKTA World Mastercard
Travel and golf privileges with the AFFIN INVIKTA World Mastercard
Eligibility
Minimum Monthly Income
RM 10,000 (RM 120,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Anybody
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- Multinational / Public listed Companies/Government/Semi Government office:
- Photocopy of MyKad (both sides)
- Recent utility bill if the address on MyKad is different from your residential address
- Latest month salary slip or letter of confirmation from employer if employed less than 3 months OR
- Latest income tax return (Form BE with tax receipt) or Form EA or EPF statement
- Other Companies:
- Photocopy of MyKad (both sides)
- Recent utility bill if the address on MyKad is different from your residential address
- Latest month salary slip OR bank statement showing latest 3 months salary credit AND
- Latest income tax return (Form BE with tax receipt) or Form EA or EPF statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Waived when you spend RM100,000 per year or swipe minimum 12 times in a year for subsequent years
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
5X AFFIN Rewards Points for every RM1 retail transaction spent overseas. 1X AFFIN Rewards Point for every RM1 retail transaction spent locally.
12X complimentary access in a calendar year to Plaza Premium Lounge in selected countries. Enjoy amazing travel experience and privileges by Exclusive Mastercard Travel and Lifestyle Service.
Complimentary Green Fees and access to finest golf courses in Malaysia and SEA countries.
Terms and Conditions
Product review by CompareHero
Step into a realm of luxury banking with the AFFIN INVIKTA World Mastercard. From complimentary golf privileges and exclusive airport lounge access to earning 5X reward points on overseas spend, this card is designed for clients who expect more out of life.
Indulge in Complimentary Golf Privileges
Skip the green fees and enjoy world-class fairways. As a cardholder, you gain complimentary access to selected premium golf clubs across Malaysia and in selected Southeast Asian countries. Whether you are looking to unwind or network professionally, this privilege ensures you enjoy top-quality facilities without additional costs.
Unwind with Exclusive Plaza Premium Lounge Access
Before your next departure, avoid crowded airport terminals and relax in comfort. The AFFIN INVIKTA World Mastercard offers 12X complimentary access to Plaza Premium Lounge locations annually, letting you enjoy spacious seating, high-speed Wi-Fi, and complimentary refreshments. For additional guests or visits, you also receive substantial discounted rates (25% off in Malaysia, 20% off overseas).
Maximise Your Earnings Globally
Ensure every ringgit spent works harder for you. Earn 5X AFFIN Rewards Points on all overseas transactions and 1X AFFIN Rewards Points for local transactions. Redeem your points for air miles, hotel stays, lifestyle rewards, and more.
Note: Charity, government, and petrol transactions do not earn reward points.
Global Concierge and Travel Advantages
Experience personalised assistance wherever you travel. With the Exclusive Mastercard Travel and Lifestyle Service, you gain access to curated hotel packages, gourmet dining, exclusive events, and a 24-hour dedicated Line for bookings and recommendations. You will also benefit from a minimal 1% foreign exchange spread above the base rate when making international purchases.
Smart Financial Management and Low Rates
Manage bigger expenses with ease through instalment options like the Balance Transfer Instalment Plan (BTiP) and Fixed Payment Plan (FPP). Maintain financial flexibility with a competitive tiered finance charge as low as 9% per annum on your retail balances.