AFFIN World Mastercard
Get 3x AFFIN Rewards Points for every RM1 spent overseas and 1x AFFIN Rewards Points locally, with 6 complimentary lounge visits and RM100,000 travel insurance.
Eligibility
Minimum Monthly Income
RM 6,667 (RM 80,000 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/E-Filing 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 RM48,000 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
3X AFFIN Rewards Points for every RM1 retail transaction spent overseas and 1X AFFIN Rewards Point for every RM1 retail transaction spent locally.
6X complimentary access in a calendar year to Plaza Premium Lounge in selected countries and receive up to RM100,000 travel insurance.
Terms and Conditions
Product review by CompareHero
Whether you love travel, golf, or exclusive privileges, the AFFIN World Mastercard brings you premium perks that make every experience better. From complimentary golf games and airport lounge access to reward points on every spend, this card is designed for those who want more out of life.
Play Golf at Top Courses for Free
Why pay green fees when you can enjoy free golf at premium courses? With the AFFIN World Mastercard, you get complimentary access to some of the finest golf clubs in Malaysia and selected Southeast Asian countries. Whether you're playing for leisure or networking on the green, this perk lets you enjoy world-class fairways and top-notch facilities without extra costs.
Free Plaza Premium Lounge Access
Enjoyspacious seating, complimentary refreshments, high-speed Wi-Fi, and a relaxing atmospherewhile waiting for your flight. If you travel frequently, this benefit helps you skip crowded waiting areas and unwind before takeoff. Need more? Getdiscounted rates on extra visitsso you can always enjoy a stress-free airport experience.
Earn More Rewards with Every Spend
Your spending should come with rewards! Earn3X AFFIN Rewards Points for every RM1 spent overseasand1X point for local transactions. Whether it’sshopping, dining, or travel, your expenses turn into valuable rewards. Redeem points forair miles, hotel stays, shopping vouchers, and exclusive gifts—letting you enjoy more without spending extra.
Exclusive Mastercard PrivilegesWith AFFIN World Mastercard, you get access to VIP experiences worldwide. From gourmet dining and luxury hotels to curated travel offers and exclusive events, this card connects you to premium privileges wherever you go. Need assistance? The Mastercard Concierge Service is available 24/7 to help with travel bookings, reservations, and personalized recommendations.
Flexible Payment Plans for Smart Spending
Big purchases don’t have to strain your wallet. The AFFIN World Mastercard offersflexible instalment plans, allowing you tospread payments over several monthsat low interest rates. Whether you're making a large purchase, consolidating debts, or just need extra cash, these payment options give you better financial control.
Frequently Asked Questions (FAQ)
How do I apply for the AFFIN World Mastercard?
What are the AFFIN World Mastercard requirements?
Is there an annual fee for the AFFIN World Mastercard?
What are the fees or charges applied for the AFFIN World Mastercard?
What are the top benefits of the AFFIN World Mastercard?
• Receive 3x AFFINBANK Rewards Points for all international purchases
• Receive 1x AFFINBANK Reward Points for all your local purchases
• Enjoy 6x complimentary passes to Plaza Premium Lounges
• Receive travel insurance coverage up to RM100,000 when you travel overseas