AFFIN World Mastercard®
AFFIN World Mastercard®
RM 10,000
Minimum monthly income
RM 500
Annual fee
Waived when you spend RM48,000 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
3X AFFIN Rewards Points for every RM1 retail transaction spent overseas.
1X AFFIN Rewards Point for every RM1 retail transaction spent locally.
6X complimentary access in a calendar year to Plaza Premium Lounge in selected countries.
Up to RM100,000 travel insurance
Eligibility
| Minimum monthly income | RM 10,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 500 | Free for first year |
| Annual fee waiver | Yes | Waived when you spend RM48,000 per year or swipe minimum 12 times in a year for subsequent years |
| 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 500 Free for first year |
| Annual fee waiver |
Yes Waived when you spend RM48,000 per year or swipe minimum 12 times in a year for subsequent years |
| 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
Whether you love travel, golf, or exclusive privileges, the AFFIN World Mastercard brings you premium perks that make every experience better. From complimentary golf games and airport lounge access to reward points on every spend, this card is designed for those who want more out of life.
Play Golf at Top Courses for Free
Why pay green fees when you can enjoy free golf at premium courses? With the AFFIN World Mastercard, you get complimentary access to some of the finest golf clubs in Malaysia and selected Southeast Asian countries. Whether you're playing for leisure or networking on the green, this perk lets you enjoy world-class fairways and top-notch facilities without extra costs.
Free Plaza Premium Lounge Access
Enjoy spacious seating, complimentary refreshments, high-speed Wi-Fi, and a relaxing atmosphere while waiting for your flight. If you travel frequently, this benefit helps you skip crowded waiting areas and unwind before takeoff. Need more? Get discounted rates on extra visits so you can always enjoy a stress-free airport experience.
Earn More Rewards with Every Spend
Your spending should come with rewards! Earn 3X AFFIN Rewards Points for every RM1 spent overseas and 1X point for local transactions. Whether it’s shopping, dining, or travel, your expenses turn into valuable rewards. Redeem points for air miles, hotel stays, shopping vouchers, and exclusive gifts—letting you enjoy more without spending extra.
Exclusive Mastercard Privileges
With AFFIN World Mastercard, you get access to VIP experiences worldwide. From gourmet dining and luxury hotels to curated travel offers and exclusive events, this card connects you to premium privileges wherever you go. Need assistance? The Mastercard Concierge Service is available 24/7 to help with travel bookings, reservations, and personalized recommendations.
Flexible Payment Plans for Smart Spending
Big purchases don’t have to strain your wallet. The AFFIN World Mastercard offers flexible instalment plans, allowing you to spread payments over several months at low interest rates. Whether you're making a large purchase, consolidating debts, or just need extra cash, these payment options give you better financial control.
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 itself, reach out to us at +6012-385 0211.
To apply for this credit card, you need to be earning at least RM10,000 every month. 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, it will be waived. The years after that, you will be charged with the annual fee unless you spend at least RM48,000 within one year or swipe at least 12 times within one year. Only then, you will 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 during your card anniversary date. If you withdraw any cash, it will be 5% or RM20 from the total amount you’ve withdrawn.
- Receive 3x AFFINBANK Rewards Points for all international purchases
- Receive 1x AFFINBANK Reward Points for all your local purchases
- Enjoy 6x complimentary passes to Plaza Premium Lounges
- Receive travel insurance coverage up to RM100,000 when you travel overseas
Fancy travelling the world with maximum comfort and security? 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.
