Affinbank World MasterCard credit card

Affinbank World MasterCard

Embrace a world of privileges such as insurance above RM1 million, free entry to airport lounges worldwide, and 24/7 MasterCard concierge services.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 0% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM500.00 annual fee
  • Earn up to 3x reward points 

Apply online now for Affinbank World MasterCard

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Because you should be rewarded for giving the bank your business

Earn 1x AFFIN Reward Points for every RM1 spent on local retail purchases with your Affinbank World MasterCard and 3x AFFIN Rewards Points on overseas purchases. Collect enough reward points to redeem various items offered under the program.
AFFIN Rewards Points
1 point on every RM1on all retail transactions
3 points on every RM1on all overseas retail expenses
Your AFFIN Rewards Points earned expires in  3 years
Balance Transfer
Affin Bank Balance Transfer instalment Plan offers low one-time upfront charges and payment terms up to 36 months. One-time interest is as low as 2%.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1000 
12 months0% p.a. and 4% one-time upfront handling feefrom RM1000 
18 months0% p.a. and 5% one-time upfront handling feefrom RM2000 
24 months0% p.a. and 6% one-time upfront handling feefrom RM2000 
36 months0% p.a. and 7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank Balance Transfer Installment Plan
Easy Payment Plan (EPP)
Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. One-time interest rate starts from 2%.
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
18 months5% one-time upfront handling feefrom RM2000 
24 months6% one-time upfront handling feefrom RM2000 
36 months7% one-time upfront handling feefrom RM3000 
Learn more about AffinBank EiPlan
Automatic travel insurance coverage up to RM1,000,000 when you charge full air tickets fare using the Affin Bank World MasterCard. Free Personal Accident Insurance up to RM100,000.
Travel CoverageSum Insured
Personal AccidentUp to RM100000
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM1000
Missed FlightUp to RM1000
Lost LuggageUp to RM2000
Delayed LuggageUp to RM1000
Low Interest Rate
Benefit from a low finance charge starting from 12% p.a. and an interest rate rebate of 6% when you make minimum monthly payment before or on the credit card bill due date.
Enjoy 6x complimentary priority pass per year at the Airport Lounge. 24 hours WORLD MasterCard concierge service to assist you from travel arrangements, shopping, reservation and any other assistance from anywhere in the world.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
  • Waived when you spend RM48,000 or swipe minimum 12 times in a year for subsequent years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
70% of total amount


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
AffinBank EiPlan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Affin Cash On Call Instalment Plan
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
AffinBank Balance Transfer Installment Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Affinbank World MasterCard review

What's so good (or not so good) about it?

Treat yourself to the Affinbank World MasterCard with exclusive golf, dining, and shopping privileges. Enjoy low interest charges on your retail spending, earn attractive cash rebates, and have complete peace of mind with automatic personal accident coverage during your travels abroad.

Excess Cash

If you ever need to make an urgent purchase or foot an exceptionally large bill, you can request for a cash advance of up to 70% of your credit card limit or available credit limit, whichever is lower. 

For example, if you have a credit card limit of RM10,000, you will be able to receive RM7,000 excess cash to leverage on your purchasing power.

AFFIN Rewards Points

Introducing a new loyalty program from Affin Bank, the AFFIN Rewards Points, replacing 0.8% cashback you previously earned for spending with Affinbank World MasterCard. Through this new program, you will earn 1x AFFIN Rewards Points for every Ringgit spent on retail purchases and 3x AFFIN Points for every Ringgit on overseas purchases. 

You can shopping to your heart's content knowing that you will be rewarded in return. Start browsing Affin Bank's loyalty program catalogue now for a wide variety of items worth redeeming.

High Insurance Coverage

You will get not one, but two types of insurance coverage with the Affinbank World MasterCard. First of all, you will enjoy automatic travel insurance of up to RM1 million - but only if pay for your full travel ticket to your credit card.

But the cherry on the cake is the free personal accident insurance of up to RM100,000. This will make sure that you are covered for any injury, disability, or death due to an unforeseen event.

Exclusive World MasterCard privileges

We're not done yet! Let us start with the most interesting bit - just by presenting your credit card at the entrance, you will enjoy 6 complimentary entry per year to airport lounges worldwide.

Have the convenience of 24-hour World MasterCard concierge service whenever you need to make an inquiry or require assistance making travel arrangements, shopping, and reservations at restaurants or theaters. You can use this personalised service wherever you are in the world!

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