AFFIN INVIKTA World Mastercard
AFFIN INVIKTA World Mastercard
RM 10,000
Minimum monthly income
RM 500
Annual fee
Waived when you spend RM100,000 per year or swipe minimum 12 times in a year for subsequent years
15%
Interest rate p.a
0%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Travel & Rewards
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.
Complimentary Green Fees and access to finest golf courses in Malaysia and SEA countries.
Enjoy amazing travel experience and privileges by Exclusive Mastercard Travel and Lifestyle Service
Eligibility
| Minimum monthly income | RM 10,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 500 | |
| Annual fee waiver | Yes | Waived when you spend RM100,000 per year or swipe minimum 12 times in a year for subsequent years |
| Interest rate | 15% | |
| Balance transfer rate (fixed) | 0% | one-time upfront handling fee starting as low as 2% |
| Annual fee |
RM 500 |
| Annual fee waiver |
Yes Waived when you spend RM100,000 per year or swipe minimum 12 times in a year for subsequent years |
| Interest rate |
15% |
| Balance transfer rate (fixed) |
0% one-time upfront handling fee starting as low as 2% |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian):
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
Self Employed (Malaysian):
- Photocopy of MyKad (both sides)
- Recent utility bill if the address on MyKad is different from your residential address
- Photocopy of Business Registration Form (established minimum 2 years)
- Latest income tax return (Form B with payment receipts or CPO2 attached or EPF statement ) OR
- Latest 6 months bank statements
Expatriate:
- Copy of passport showing personal details and work permit (must be valid for at least one year)
- Latest month salary slip
- Letter of confirmation from employer stating position, remuneration and duration of employment
- Minimum RM10K per month AND working for Multinational/Public listed companies/government/semi-government/HSBC corporate lending employers only
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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.
AFFIN INVIKTA World Mastercard Product Disclosure Sheet
AFFIN INVIKTA World Mastercard Terms and Conditions
FAQs
FAQs
Get your hands on the AFFIN World Mastercard when you apply online with our application form found on the website! The steps aren’t too complicated; you could complete the online application within two steps. But if you have any questions regarding the online application form or the credit card, reach out to us at 03-8230 2323.
To apply for this credit card, you need to be earning at least RM120,000 per anum. As for the age, you need to be at least 21 years old and above or 18 years old and above for the supplementary card.
An annual fee of RM500 will be charged to the principal cardholders. For supplementary cardholders, there will be a fee of RM400. The first year for both cardholders will be waived. The years after that, you will be charged with the annual fee unless you spend at least RM100,000 within one year or swipe at least 12 times within one year. Only then will you get your annual fee waived.
Once your credit card gets activated, you will be charged a sales and service tax of RM25. This fee will also be applied to your card anniversary date. If you withdraw any cash, it will be 5% or RM20 from the total amount you’ve withdrawn.
- Receive 5x AFFIN Rewards Points for all international purchases
- Receive 1x AFFIN Reward Points for all your local purchases
- Enjoy 12x complimentary passes to Plaza Premium Lounges
- Experience the privileged access to the finest golf courses and complimentary Green Fees.
Fancy travelling the world with luxurious comfort and travel privileges? Then this credit card will make you happy for as long as you own it! Of course, since the minimum income requirement is at least RM10,000, it is suitable for those who are earning a stable, high income every month.
