Visa
AFFIN AURA Basic Credit Card-i
14% fixed non-compounding retail profit rate, lifetime annual-fee waiver and maximum RM20,000 limit.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MALAYSIA · BANK DIRECTORY
AFFIN Bank credit cards
Compare AFFIN and AFFIN Islamic together: DUO cashback, reward points, lower-rate cards and travel privileges, with each network variant shown separately.
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Personal cards are shown first. Switch Product group for business / corporate cards. Invitation and availability labels describe application access, not approval.
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Visa
VisaAFFIN AURA Visa
8% first-year retail financing, then 9% / 12% / 18% based on payment history; no annual fee.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN AURA Visa-i
8% first-year retail financing, then 9% / 12% / 18% based on payment history; no annual fee.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN BHPetrol Mastercard
Up to 10% BHPetrol weekend cashback, with a combined RM50 monthly cap; 1X points on other eligible retail.
- Min. annual income
- RM24,000
- Principal annual fee
- RM150
First year waived; then RM150 principal / RM75 supplementary. Waived with RM2,400 qualifying annual spend OR 12 retail transactions per year.
MastercardAFFIN DUO Mastercard Rewards
3X points on dining, groceries and petrol; 1X on other eligible retail. Issued with the DUO Visa cashback card.
- Min. annual income
- RM24,000
- Principal annual fee
- RM75
First 3 years waived; then RM75 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
MastercardAFFIN DUO Mastercard Rewards-i
3X points on dining, groceries and petrol; 1X on other eligible retail. Issued with the DUO Visa cashback card.
- Min. annual income
- RM24,000
- Principal annual fee
- RM75
First 3 years waived; then RM75 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
VisaAFFIN DUO Visa Cash Back
3% online, e-wallet and auto-billing cashback; RM30 / RM50 statement cap with a separate e-wallet sub-cap.
- Min. annual income
- RM24,000
- Principal annual fee
- RM75
First 3 years waived; then RM75 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
VisaAFFIN DUO Visa Cash Back-i
3% online, e-wallet and auto-billing cashback; RM30 / RM50 statement cap with a separate e-wallet sub-cap.
- Min. annual income
- RM24,000
- Principal annual fee
- RM75
First 3 years waived; then RM75 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
MastercardAFFIN Mastercard Basic-i
Lifetime annual-fee waiver and a straightforward Islamic card structure; standard profit tiers, not the 14% Asas product.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN Mastercard Gold
1X AFFIN Rewards Points on eligible retail, with airline and voucher redemption options.
- Min. annual income
- RM24,000
- Principal annual fee
- RM150
First year waived; then RM150 principal / RM75 supplementary. Waived with RM24,000 qualifying annual spend OR 12 retail transactions per year.
MastercardAFFIN Mastercard Gold-i
1X AFFIN Rewards Points on eligible retail, with airline and voucher redemption options.
- Min. annual income
- RM24,000
- Principal annual fee
- RM150
First year waived; then RM150 principal / RM75 supplementary. Waived with RM24,000 qualifying annual spend OR 12 retail transactions per year.
VisaAFFIN Visa Gold
1X AFFIN Rewards Points on eligible retail, with airline and voucher redemption options.
- Min. annual income
- RM24,000
- Principal annual fee
- RM150
First year waived; then RM150 principal / RM75 supplementary. Waived with RM24,000 qualifying annual spend OR 12 retail transactions per year.
MastercardAFFIN DUO+ Mastercard
3X points on airlines, online purchases, duty-free, hotels and foreign spending; paired with DUO+ Visa.
- Min. annual income
- RM48,000
- Principal annual fee
- RM100
First 3 years waived; then RM100 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
MastercardAFFIN DUO+ Mastercard-i
3X points on airlines, online purchases, duty-free, hotels and foreign spending; paired with DUO+ Visa.
- Min. annual income
- RM48,000
- Principal annual fee
- RM100
First 3 years waived; then RM100 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
VisaAFFIN DUO+ Visa Signature
3% eligible contactless cashback on transactions up to RM250; RM50 / RM100 cap depends on previous statement balance.
- Min. annual income
- RM48,000
- Principal annual fee
- RM100
First 3 years waived; then RM100 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
VisaAFFIN DUO+ Visa Signature-i
3% eligible contactless cashback on transactions up to RM250; RM50 / RM100 cap depends on previous statement balance.
- Min. annual income
- RM48,000
- Principal annual fee
- RM100
First 3 years waived; then RM100 principal / RM30 supplementary per card annually; waived with 12 retail transactions per year. Visa and Mastercard are issued together; each card has its own fee / RM25 tax.
MastercardAFFIN World Mastercard
3X points overseas, 6 conditional lounge visits per year and qualified golf green-fee privileges.
- Min. annual income
- RM80,000
- Principal annual fee
- RM500
First year waived; then RM500 principal / RM400 supplementary. Waived with RM48,000 qualifying annual spend OR 12 retail transactions per year.
MastercardAFFIN World Mastercard-i
3X points overseas, 6 conditional lounge visits per year and qualified golf green-fee privileges.
- Min. annual income
- RM80,000
- Principal annual fee
- RM500
First year waived; then RM500 principal / RM400 supplementary. Waived with RM48,000 qualifying annual spend OR 12 retail transactions per year.
MastercardAFFIN AVANCE Mastercard
3X points on dining / professional bodies, lifetime annual-fee waiver and 0% FPP on qualifying purchases.
- Min. annual income
- RM84,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN AVANCE Mastercard-i
3X points on dining / professional bodies, lifetime annual-fee waiver and 0% FPP on qualifying purchases.
- Min. annual income
- RM84,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN AVANCE Visa
3X points on dining / professional bodies, lifetime annual-fee waiver and 0% FPP on qualifying purchases.
- Min. annual income
- RM84,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN AVANCE Visa-i
3X points on dining / professional bodies, lifetime annual-fee waiver and 0% FPP on qualifying purchases.
- Min. annual income
- RM84,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN INVIKTA Visa Infinite
5X points overseas, preferential miles redemption and up to 12 conditional lounge visits per calendar year.
- Min. annual income
- RM150,000
- Principal annual fee
- RM500
First year waived; then RM500 principal / RM400 supplementary. Waived with RM100,000 qualifying annual spend OR 12 retail transactions per year. Qualifying AFFIN Premier Wealth clients receive a lifetime waiver.
VisaAFFIN INVIKTA Visa Infinite-i
5X points overseas, preferential miles redemption and up to 12 conditional lounge visits per calendar year.
- Min. annual income
- RM150,000
- Principal annual fee
- RM500
First year waived; then RM500 principal / RM400 supplementary. Waived with RM100,000 qualifying annual spend OR 12 retail transactions per year. Qualifying AFFIN Premier Wealth clients receive a lifetime waiver.
MastercardAFFIN INVIKTA World Mastercard
5X points overseas, preferential miles redemption and up to 12 conditional lounge visits per calendar year.
- Min. annual income
- RM150,000
- Principal annual fee
- RM500
First year waived; then RM500 principal / RM400 supplementary. Waived with RM100,000 qualifying annual spend OR 12 retail transactions per year. Qualifying AFFIN Premier Wealth clients receive a lifetime waiver.
MastercardAFFIN INVIKTA World Mastercard-i
5X points overseas, preferential miles redemption and up to 12 conditional lounge visits per calendar year.
- Min. annual income
- RM150,000
- Principal annual fee
- RM500
First year waived; then RM500 principal / RM400 supplementary. Waived with RM100,000 qualifying annual spend OR 12 retail transactions per year. Qualifying AFFIN Premier Wealth clients receive a lifetime waiver.
VisaAFFIN BORNEO Visa
0.2% uncapped eligible cashback plus 8% first-year retail financing, then 9% / 12% / 18% based on payment history; no annual fee.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN BORNEO Visa-i
0.2% uncapped eligible cashback plus 8% first-year retail financing, then 9% / 12% / 18% based on payment history; no annual fee.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN MPN Mastercard
Majlis Profesor Negara member card: 3X selected everyday / travel categories, 6 conditional lounge visits and golf.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN MPN Mastercard-i
Majlis Profesor Negara member card: 3X selected everyday / travel categories, 6 conditional lounge visits and golf.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN UKM Alumni Mastercard
UKM alumni card: 3X dining / online points, photo-card personalisation and alumni privileges.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN UKM Alumni Mastercard-i
UKM alumni card: 3X dining / online points, photo-card personalisation and alumni privileges.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN UiTM Mastercard
UiTM affinity card: 5X weekend points, 4 conditional lounge visits per year and eligible 0% instalment plans.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN UiTM Mastercard-i
UiTM affinity card: 5X weekend points, 4 conditional lounge visits per year and eligible 0% instalment plans.
- Min. annual income
- RM24,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN AVANCE Affiliate Mastercard
Affiliate membership card with 3X dining points, lifetime annual-fee waiver and partner-specific instalment benefits.
- Min. annual income
- RM48,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN AVANCE Affiliate Mastercard-i
Affiliate membership card with 3X dining points, lifetime annual-fee waiver and partner-specific instalment benefits.
- Min. annual income
- RM48,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN AVANCE Affiliate Visa
Affiliate membership card with 3X dining points, lifetime annual-fee waiver and partner-specific instalment benefits.
- Min. annual income
- RM48,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN AVANCE Affiliate Visa-i
Affiliate membership card with 3X dining points, lifetime annual-fee waiver and partner-specific instalment benefits.
- Min. annual income
- RM48,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN UKM Alumni Premier World Mastercard
UKM alumni affinity card: 3X dining / overseas / online points, 4 conditional lounge visits and alumni privileges.
- Min. annual income
- RM80,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
MastercardAFFIN UKM Alumni Premier World Mastercard-i
UKM alumni affinity card: 3X dining / overseas / online points, 4 conditional lounge visits and alumni privileges.
- Min. annual income
- RM80,000
- Principal annual fee
- RM0
Lifetime annual fee waiver.
VisaAFFIN DIVENTIUM Visa Infinite
Invitation-only private-banking card: up to 8X points, conditional unlimited lounge access and selected airport services.
- Min. annual income
- Confirm with issuer
- Principal annual fee
- RM500
RM500 principal / RM400 supplementary from year one. Subsequent waiver with RM100,000 annual qualifying spend; no 12-swipe alternative.
VisaAFFIN DIVENTIUM Visa Infinite-i
Invitation-only private-banking card: up to 8X points, conditional unlimited lounge access and selected airport services.
- Min. annual income
- Confirm with issuer
- Principal annual fee
- RM500
RM500 principal / RM400 supplementary from year one. Subsequent waiver with RM100,000 annual qualifying spend; no 12-swipe alternative.
VisaAFFIN Visa Business Platinum
Uncapped 1% overseas / 0.3% other eligible retail cashback; business income and underwriting requirements apply.
- Min. annual income
- RM120,000
- Principal annual fee
- RM300
First 2 years waived; then RM300 principal, waived with RM36,000 qualifying annual spend OR 12 retail transactions per year. No supplementary-card facility.
VisaAFFIN Visa Business Platinum-i
Uncapped 1% overseas / 0.3% other eligible retail cashback; business income and underwriting requirements apply.
- Min. annual income
- RM120,000
- Principal annual fee
- RM300
First 2 years waived; then RM300 principal, waived with RM36,000 qualifying annual spend OR 12 retail transactions per year. No supplementary-card facility.
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Coverage, sources & counting method
This page covers reviewed personal card products and separately labelled business and relationship-only options. Network variants are shown separately where their benefits differ; paired DUO cards are identified on their detail pages. Retired and discontinued products are excluded.
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