AFFINBANK Visa Signature
AFFINBANK Visa Signature
RM 4,000
Minimum monthly income
RM 150
Annual fee
Annual fee waiver with minimum retail spend of RM6,000 per annum
12%
Interest rate p.a
2%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Cashback & Rewards/Offers
3% Cashback for Contactless spend
1x AFFIN Rewards Points for Non-Contactless spend
First year Annual Fee waiver
Eligibility
| Minimum monthly income | RM 4,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 150 | Waived for the first year. |
| Annual fee waiver | Yes | Annual fee waiver with minimum retail spend of RM6,000 per annum |
| Late payment fee | RM 10/1% | 1% of total outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| 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 Waived for the first year. |
| Annual fee waiver |
Yes Annual fee waiver with minimum retail spend of RM6,000 per annum |
| Late payment fee |
RM 10/1% 1% of total outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| 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
Looking for a credit card that rewards you while also offering benefits for an insurance plan? The AFFINBANK Visa Signature Card does exactly that - be rewarded with cashback and AFFIN Rewards Point while getting insurance coverage under AXA AFFIN Life Insurance!
Receive cashback for every swipe with your AFFINBANK Visa Signature
Do you love to be rewarded for spending endlessly on your daily purchases? The AFFINBANK Visa Signature Card allows you to earn 3% cashback for contactless transactions only. It doesn’t apply to any charity or government services transactions, though. Tap away on any Visa payWave card reader to make your contactless transactions! There is a maximum cap of RM80 a month, though, but it’s worth it for the amount of savings you’ve earned.
Note: Both principal and supplementary cardholders will be able to receive the 3% cashback.
Earn AFFIN Rewards for e-commerce and other transactions
The 3% cashback isn’t the only reward you’ll get! Based on every RM1 that you’ve spent, collect 1x AFFIN Rewards Point for all your online transactions such as e-commerce and when you use your PIN number upon payment.
Be secured with AFFIN Credit Shield
There will be times where paying for our insurance may seem like a burden. The AFFINBANK Visa Signature helps you to manage those burdens as the credit card comes with AFFIN Credit Shield which is an insurance protection plan offering coverage for up to RM300,000 based on death and total & permanent disability (TPD) benefit. The insurance plan helps you to pay for any outstanding balance based on your monthly statement of the AFFINBANK Visa Signature credit card for times when unexpected circumstances and events happen.
FAQs
FAQs
Apply for the AFFINBANK Visa Signature Card by filling up our online application form in two easy steps. It doesn’t require much effort when you apply online, all you need to do is fill in your necessary details and we will help you to process it from there.
For any questions or assistance, contact our customer service at +6012-385 0211.
The requirement for the monthly income of this credit card would be at least RM4,000 and above. If you meet that requirement, you need to consider the minimum age requirement as well. When applying for the principal card, you need to be at least 21 years old and above. Supplementary card would be a little lower where you have to be at least 18 years old and above.
There is an annual fee of RM150 implied to cardholders. During the first year when you own this credit card, the annual fee will be waived. The years after that, you will be charged the said amount but you could also get it waived as long as you perform a minimum amount of 12 transactions within one year.
There will be a sales and service tax fee of RM25 annually for principal and supplementary cardholders. Besides that, when you lose your credit card, a fee of RM50 will be charged. There is also a fee of RM50 if you have any outstanding balance.
- Receive 3% cashback for all your contactless transactions
- Receive 1x AFFIN Rewards Point for other transactions which are not contactless
- Receive insurance coverage up to RM300,000
If you are already part of the AXA AFFIN Life Insurance, you will enjoy this credit card that lightens your burden when you need it. Aside from that, if you have been using contactless payments all this while, you will enjoy using this credit card as well. Even for times when you don’t perform any contactless transactions, you’ll still be rewarded with AFFIN Rewards Points so it’s a win-win situation.
