Affin Bank works with the vision “Banking Without Borders” which represents the company’s goal to offer banking services beyond its boundaries. Affin Bank is known as a gamechanger by providing online marketplaces and innovative solutions to conventional banking. Read more Show less
Affin Bank is a local bank with 107 Branches. They offer 8 different Credit Cards
Card | Minimum Monthly Income (RM) | Minimum Annual Income (RM) |
World Mastercard® | 6,666 | 80,000 |
Visa Signature | 4,000 | 48,000 |
Touch 'n Go Mastercard® Gold (not available) | 3,000 | 36,000 |
Visa / Mastercard® Gold | 2,500 | 30,000 |
Visa / Mastercard® Classic | 2,000 | 24,000 |
Touch 'n Go Mastercard® Classic (not available) | 2,000 | 24,000 |
BHPetrol 'Touch & Fuel' Mastercard® Contactless | 2,000 | 24,000 |
Visa / Mastercard® Basic | 2,000 | 24,000 |
[last updated: 6 Dec 2019]
For those with only 1 card:
Annual Fee | Visa (RM) | MasterCard (RM) | ||
Card | Principal | Supplementary | Principal | Supplementary |
World Mastercard® | 500 | 400 | ||
Visa Signature | 150 | 100 | ||
Touch 'n Go Mastercard® Gold (not available) | 150 | 75 | ||
Visa / Mastercard® Gold | 150 | 75 | 150 | 75 |
Visa / Mastercard® Classic | 50 | 35 | 50 | 35 |
Touch 'n Go Mastercard® Classic (not available) | 50 | 35 | ||
BHPetrol 'Touch & Fuel' Mastercard® Contactless | 150 | 75 | ||
Visa / Mastercard® Basic | waived | waived | waived | waived |
For those with 2 cards:
Annual Fee | Principal (RM) | Supplementary (RM) | ||
Card | 1st card | 2nd card | Total | Total |
Visa and Mastercard® Gold | 150 | 75 | 225 | 150 |
Visa and Mastercard® Classic | 50 | 25 | 75 | 70 |
[last updated: 18 Nov 2019]
For those with only 1 card:
Card | Annual fee waived | subsequent years EITHER waived by min spending (RM) | OR waived by min retail swipes |
World Mastercard® | 1st year | 48,000* | 12 swipes p.a. any amount** |
Visa Signature | 1st year | 6,000* | |
Touch 'n Go Mastercard® Gold (not available) | 1st year | 24,000 | |
Visa / Mastercard® Gold | 1st year | 24,000* | |
Visa / Mastercard® Classic | 1st year | 12,000* | |
Touch 'n Go Mastercard® Classic (not available) | 1st year | 12,000 | |
BHPetrol 'Touch & Fuel' Mastercard® Contactless | 1st year | 2,400* | |
Visa / Mastercard® Basic | waived | waived for life |
For those with 2 cards:
Cards | Annual fee waived | subsequent years EITHER waived by min spending (RM) | OR waived by min retail swipes | ||
1st card | 2nd card | Total | |||
Visa and Mastercard® Gold | 1st year | 24,000* | 12,000* | 36,000 | 12 swipes p.a. any amount |
Visa and Mastercard® Classic | 1st year | 12,000* | 6,000* | 18,000 | 12 swipes p.a. any amount |
* accumulated minimum spending per annum includes retail and cash advance transactions
** not applicable to AFFINBANK Visa Signature
[last updated: 18 Nov 2019]
Features & Benefits
Eligibility
Fees & Charges
Finance Charges For Retail Transaction | Conditions |
Tier 1 - 15% p.a. | if you have promptly settled your minimum payment due for 12 consecutive months |
Tier 2 - 17% p.a. | if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle |
Tier 3 - 18% p.a. | any other scenarios not within the two above |
Documents Required
Category | Documents to prepare |
salaried employee | compulsory
any of the following where necessary
|
self-employed | compulsory
|
commission earner | compulsory
any of the following where necessary
|
salaried expats | compulsory
any of the following where necessary
|
* non-Malaysian applicants and applicants who are unable to provide any income evidence or supporting documents are required to maintain a fixed deposit as collateral for the credit card facility
* please cross out documents submitted for security purpose, all documents are non-returnable
Reference
Features & Benefits
Eligibility
Fees & Charges
Finance Charges For Retail Transaction | Conditions |
Tier 1 - 15% p.a. | if you have promptly settled your minimum payment due for 12 consecutive months |
Tier 2 - 17% p.a. | if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle |
Tier 3 - 18% p.a. | any other scenarios not within the two above |
Documents Required
Category | Documents to prepare |
salaried employee | compulsory
any of the following where necessary
|
self-employed | compulsory
|
commission earner | compulsory
any of the following where necessary
|
salaried expats | compulsory
any of the following where necessary
|
* non-Malaysian applicants and applicants who are unable to provide any income evidence or supporting documents are required to maintain a fixed deposit as collateral for the credit card facility
* please cross out documents submitted for security purpose, all documents are non-returnable
Reference
Features & Benefits
Eligibility
Fees & Charges
Finance Charges For Retail Transaction | Conditions |
Tier 1 - 15% p.a. | if you have promptly settled your minimum payment due for 12 consecutive months |
Tier 2 - 17% p.a. | if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle |
Tier 3 - 18% p.a. | any other scenarios not within the two above |
Documents Required
Category | Documents to prepare |
salaried employee | compulsory
|
self-employed | compulsory
|
commission earner | compulsory
|
pensioner | compulsory
|
* non-Malaysian applicants and applicants who are unable to provide any income evidence or supporting documents are required to maintain a fixed deposit as collateral for the credit card facility
* please cross out documents submitted for security purpose, all documents are non-returnable
Reference
Features & Benefits
Eligibility
Fees & Charges
Finance Charges For Retail Transaction | Conditions |
Tier 1 - 15% p.a. | if you have promptly settled your minimum payment due for 12 consecutive months |
Tier 2 - 17% p.a. | if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle |
Tier 3 - 18% p.a. | any other scenarios not within the two above |
Documents Required
Category | Documents to prepare |
salaried employee | compulsory
|
self-employed | compulsory
|
commission earner | compulsory
|
pensioner | compulsory
|
* non-Malaysian applicants and applicants who are unable to provide any income evidence or supporting documents are required to maintain a fixed deposit as collateral for the credit card facility
* please cross out documents submitted for security purpose, all documents are non-returnable
Reference
Features & Benefits
Eligibility
Fees & Charges
Finance Charges For Retail Transaction | Conditions |
Tier 1 - 15% p.a. | if you have promptly settled your minimum payment due for 12 consecutive months |
Tier 2 - 17% p.a. | if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle |
Tier 3 - 18% p.a. | any other scenarios not within the two above |
Documents required
Category | Documents to prepare |
salaried employee | compulsory
|
self-employed | compulsory
|
commission earner | compulsory
|
pensioner | compulsory
|
* non-Malaysian applicants and applicants who are unable to provide any income evidence or supporting documents are required to maintain a fixed deposit as collateral for the credit card facility
* please cross out documents submitted for security purpose, all documents are non-returnable
Reference
Features & Benefits
Promotions
BHPetrol Retail Spend | Rebate | Monthly Rebate Cap | Minimum Spending | Promotion Starts | Promotion Ends |
Weekends | 10% | RM 50 for principal cardholder | no minimum spend | 1 December 2019 | 30 April 2020 |
Weekdays | 2% |
Eligibility
Fees & Charges
Finance Charges For Retail Transaction | Conditions |
Tier 1 - 15% p.a. | if you have promptly settled your minimum payment due for 12 consecutive months |
Tier 2 - 17% p.a. | if you have promptly settled your minimum payment due for at least 10 months in a 12-month cycle |
Tier 3 - 18% p.a. | any other scenarios not within the two above |
Documents Required
Category | Documents to prepare |
salaried employee | compulsory
|
self-employed | compulsory
|
commission earner | compulsory
|
pensioner | compulsory
|
* non-Malaysian applicants and applicants who are unable to provide any income evidence or supporting documents are required to maintain a fixed deposit as collateral for the credit card facility
* please cross out documents submitted for security purpose, all documents are non-returnable
Reference
You have to be 21 years old or more to be a principal cardmember.
You have to be 18 years old or more to be a supplementary cardmember.
Should your credit card gets approved, you can hold a maximum of 2 credit cards only.
Secondly, your maximum credit limit will be 2X of your monthly income.
Mastercard Gold & Visa Gold - 3 maximum
Mastercard Classic & Visa Classic, Mastercard Basic & Visa Basic, BHPetrol 'Touch & Fuel' Mastercard Contactless - 2 maximum
The cash advance limit is 25% of the available credit limit. You may perform a maximum of 3X cash advance withdrawal per day.
Please call 03-8230 2222 immediately to block the credit card.
The statement date is on every 18th of the month.
Each principal cardmember can carry up to 3 supplementary cards.
No, the credit limit will be on a sharing basis.
The 20 days interest-free period is granted to cardmembers on all retail transactions, on the condition that all outstanding balances of the previous month must be fully settled within the due date.
20 days interest-free period is not applicable for cash advance transactions.
Option 1 - via SMS
SMS to 66600 the following
AACT<space>IC number<space>last 4 digit credit card number
Option 2 - call AFFINBANK at 03-8230 2323
Please complete the “AFFINBANK Credit Card Permanent Increase of Credit Limit, Permanent Decrease of Credit Limit, Temporary Increase of Credit Limit, Card Upgrade, Card Downgrade, Additional Card and Supplementary Card Application Form”.
Then, submit the form with your supporting documents to any AFFINBANK branches.
You can obtain the form from any AFFINBANK branches or on the AFFINBANK official website www.affinonline.com