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AFFIN INVIKTA World Mastercard-i

RM 15,000

Minimum monthly income

RM 0

Annual fee

Waived for the first year and Subsequent years will be waived automatically with a minimum spend of RM100,000 per annum.

15%

Interest rate p.a

4%

Balance transfer rate (fixed)

AFFIN INVIKTA World Mastercard-i

RM 15,000

Minimum monthly income

RM 0

Annual fee
Waived for the first year and Subsequent years will be waived automatically with a minimum spend of RM100,000 per annum.

15%

Interest rate p.a

4%

Balance transfer rate (fixed)

Product details

Features

Good for Travel & Islamic

Unlimited Complimentary* Green Fees and exclusive access to the finest golf courses in Malaysia and selected South East Asian countries

Complimentary Airport Lounge Access

5X AFFIN Rewards Points for overseas retail transactions

Airline miles conversion to over 20 airlines with Enrich Miles, AirAsia BIG Points and Malindo Miles

Extraordinary travel experiences and privileges from exquisite dining, holiday treats or special events accorded to your lifestyle by Mastercard Travel and Lifestyle Service

Eligibility

Minimum monthly income	RM 15,000
Minimum age:
Cardholder	21
Supplementary Cardholder	18

Fees & Charges

Annual fee	RM 0	Waived for the first year
Annual fee waiver	Yes	Waived for the first year and Subsequent years will be waived automatically with a minimum spend of RM100,000 per annum.
Interest rate	15%	15% per annum if the Cardmember has promptly settled the minimum payment due for 12 consecutive months
Balance transfer rate (fixed)	4%	4% for 12 month

Annual fee	RM 0 Waived for the first year
Annual fee waiver	Yes Waived for the first year and Subsequent years will be waived automatically with a minimum spend of RM100,000 per annum.
Interest rate	15% 15% per annum if the Cardmember has promptly settled the minimum payment due for 12 consecutive months
Balance transfer rate (fixed)	4% 4% for 12 month

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

Product review by

If you want a credit card that goes beyond just spending, the AFFIN INVIKTA World Mastercard-i offers a premium experience with exclusive privileges, luxury travel benefits, and high rewards. Whether you love golf, travel, or personalized lifestyle perks, this card is designed to enhance every moment.

Free Golf at Top Courses

Enjoy complimentary green fees at Malaysia’s top golf clubs and selected courses across Southeast Asia. Whether you’re playing for leisure or business, this perk lets you enjoy premium golf experiences without additional costs.

Lounge Access for Stress-Free Travel

Frequent travelers will appreciate 12X complimentary access to Plaza Premium Lounges in Malaysia and selected locations worldwide. Get access to comfortable seating, refreshments, Wi-Fi, and private spaces to relax before your flight. Need more? Enjoy 25% off Plaza Premium Lounges in Malaysia and 20% off internationally for accompanying guests.

Earn More Rewards on Every Spend

Maximize your spending with AFFIN Rewards Points:

5X points for overseas transactions
1X point for local spending

These points can be redeemed for travel, shopping, vouchers, and lifestyle rewards, giving you more value every time you swipe.

Exclusive Mastercard Travel & Lifestyle Privileges

Enjoy access to VIP travel experiences, fine dining, and exclusive holiday deals with Mastercard’s Travel & Lifestyle Services. Whether you’re booking a last-minute getaway or a special event, this card offers curated luxury experiences to suit your lifestyle.