AFFINBANK Visa / Mastercard® Gold
AFFINBANK Visa / Mastercard® Gold
RM 3,000
Minimum monthly income
RM 150
Annual fee
Waived when you spend RM24,000 per year or swipe minimum 12 times in a year for subsequent years
12%
Interest rate p.a
2%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Cashback
0.8% Cashback on all spend
Unlimited Cashback
Up to RM500,000 travel insurance
Eligibility
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 150 | Free for first year |
| Annual fee waiver | Yes | Waived when you spend RM24,000 per year or swipe minimum 12 times in a year for subsequent years |
| Late payment fee | RM 5/1% | 1% of total outstanding balance or RM5, whichever is higher (to a maximum of RM50) |
| Interest rate | 12% | Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) | 2% | 2% rate for 12 months Balance Transfer repayment period |
| Annual fee |
RM 150 Free for first year |
| Annual fee waiver |
Yes Waived when you spend RM24,000 per year or swipe minimum 12 times in a year for subsequent years |
| Late payment fee |
RM 5/1% 1% of total outstanding balance or RM5, whichever is higher (to a maximum of RM50) |
| Interest rate |
12% Settling minimum payment due for 12 consecutive month |
| Balance transfer rate (fixed) |
2% 2% rate for 12 months Balance Transfer repayment period |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employee:
- Latest EPF statements printed from AFFINBANK kiosk (with minimum 6 months contribution), or
- Any 1 of the following documents:
- Latest 3 months salary slips
- Latest 6 months commission statements (commission earner)
- Latest pension fund statement (pensioner)
- Latest EA form
- B form / BE form supported with tax payment receipt
Above income documents to be supported with any 1 of the following documents: - Latest EPF Statement (contribution amount must matched with salary slips / salary vouchers)
- Latest 3 months bank statement where the salary / pension is credited
- Latest 6 months bank statement where the commission is credited
- Letter from employer to the bank confirming applicant's income
Sole Proprietorship / Partnership / Company:
- Any 2 of the following documents:
- Latest 2 years B Form / BE Form with official tax payment receipt
- Latest 6 months business account statements
- Latest Profit & Loss account on management accounts; and
- Form A (for Sole proprietorship) / Form B (for Partnership) / Form 9,24, 49 (for Company)
Product review by 
Product review by
Need a credit card that offers travel insurance plus unlimited cashback? Look no further - the AFFINBANK Visa or Mastercard Gold would be a great option for you!
Be rewarded with cashback from your AFFINBANK Gold Credit Card
You probably wouldn’t encounter so often a credit card that offers unlimited cashback - but that’s exactly what the AFFINBANK Gold Credit Card offers! For any transactions, be it retail, dining, groceries, petrol, receive 0.4% cashback when you spend at least RM100 to RM1,500.
If you spend at least RM1,501 and more, you would be able to receive 0.8% cashback. It’s hard enough to be spending money left and right - you might else well make it worthwhile by using a credit card that gives back for all the things you’ve spent!
Travel insurance coverage for your protection
There will be times when we’re travelling, unforeseen events happen without us realizing it. Thankfully, the AFFINBANK Visa or Mastercard Gold offers travel accident insurance coverage for up to RM500,000 when you charge your flight tickets to the credit card. Plus, it covers even when you lose your luggage, got a flight delayed or missed a connection flight.
For personal travel insurance, the coverage is up to RM1,000. As for your family, it will be up to RM2,000. Unlike other credit cards, they only offer travel insurance for personal use. This travel insurance coverage covers your family as well. At the very least, you could travel the world without having to worry about how you’ll be paying for any travel inconveniences or accidents when you own a credit card like this.
FAQs
FAQs
In order to apply for the AFFINBANK Visa or Mastercard 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.
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.
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.
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.
- Receive up to 0.8% unlimited cashback for all your expenses
- Receive travel insurance coverage for up to RM500,000 for travel inconveniences
If you tend to spend quite a hefty amount every month, the 0.8% cashback will be extremely beneficial for you. The travel insurance that comes with this card would also benefit those who travel often and are worried about the costs that come along with it.
