Convert points to miles

AFFIN Visa Gold

Convert points to miles

AFFIN Visa Gold

RM 2,000Min. Monthly Income

RM 0Annual Fee*

15% p.aInterest Rate

Earn 1X AFFIN Rewards Points on every retail purchase and convert them into air miles, with no annual fee for the first year.

Eligibility

Minimum Monthly Income

RM 2,000 (RM 24,000 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):

A copy of your IC (both sides)
Latest 3 months salary slip
Latest 3 months bank statement (with salary being credited)
Latest EPF statement
Latest B/BE Form with official tax receipt

Fees & Charges

Interest Rate

15% - 18%

Annual Fee

RM 0

Free*

Annual Fee Waiver

Yes

Free for first year, and waived when you spend RM24,000 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

Earn 1x AFFIN Rewards Point for every RM1 spent on retail purchases. Redeem accumulated points for gifts, vouchers and merchandise.
Convert AFFIN Rewards Points to Enrich Points, AirAsia BIG Points or Batik Air Club Points and redeem them for flights.
Got a big purchase coming up? The AFFIN 0% Easy Payment Plan (EPP) lets you split your spend at participating merchants into interest-free instalments, with flexible terms and no extra charges.
Take control of your credit card debt with the AFFIN Bank Balance Transfer Instalment Plan (BTiP). Transfer your balance from other banks and enjoy a one-time rate from as low as 2%, with repayment of up to 36 months.

Terms and Conditions

Product Disclosure SheetView now

Product Terms and ConditionsView now

Product review by CompareHero

The AFFIN Visa Gold is a great choice for those who want flexibility, rewards, and financial convenience without high fees. Whether you’re shopping, dining, or booking flights, this card helps you maximize your spending with reward points, air miles, and easy payment plans. Plus, with an annual fee waiver, it’s a budget-friendly option that keeps your finances in check.

Earn Rewards on Every Ringgit Spent

Every purchase with the AFFIN Visa Gold earns AFFIN Rewards Points, which can be redeemed for shopping vouchers, exclusive gifts, and even travel perks. Whether you're buying groceries, dining out, or shopping online, every ringgit spent brings you closer to exciting rewards.

Convert Spending into Free Flights

Frequent travelers will love the air miles conversion feature, allowing you to turn AFFIN Rewards Points into Malaysia Airlines Enrich Points, AirAsia BIG Points, or Batik Air Club Points. That means your daily spending could earn you free flights, making your next trip even more affordable.

Flexible Payment Plans

Big purchases? The AFFIN Visa Gold offers flexible instalment plans, allowing you to convert purchases into manageable monthly payments. Whether you need a balance transfer, cash advance, or 0% instalment at selected merchants, this card gives you financial flexibility.

Extra Protection for Peace of Mind

Life is unpredictable, but the AFFIN Credit Shield and AFFIN Takaful myCredit Shield offer coverage in case of unexpected financial difficulties. This means you won’t have to worry about unpaid balances, ensuring financial security for you and your loved ones.

Frequently Asked Questions (FAQ)

How do I apply for the AFFIN Visa Gold?

In order to apply for the AFFIN Visa Gold, you could fill up our online application form which can be done in just two steps. The online application form shouldn’t be too difficult but if you encounter any problems, you can consider contacting our customer service at +6012-385 0211.

What are the AFFIN Visa Gold requirements?

For the minimum monthly requirement, you have to be earning a stable income of at least RM3,000 every single month. As for the age, you have to be at least 21 years old and above for the principal card, or if you’re planning to apply for the supplementary card, then the age would be at least 18 years old and above.

Is there an annual fee for the AFFIN Visa Gold?

The annual fee that will be charged to principal and supplementary cardholders would be RM150 each year. But for the first year, the annual fee will be waived. You could also get the rest of the years waived as long as you spend a minimum amount of RM24,000 within one year or make a swipe of at least 12 times within one year as well.

What are the fees or charges applied for the AFFIN Visa Gold?

There is a 5% late payment fee, or 1% from the total amount that is overdue, depending on which is higher. You also have a cash advance charge which is 5% or RM20 from the total amount.

What are the top benefits of the AFFIN Visa Gold?

You will receive 1x AFFIN Rewards Point for every RM1 spent on retail purchases and all of the accumulated points can be redeem for gifts, vouchers and merchandise.