AFFIN AURA Basic Credit Card-i

Min. annual incomeRM24,000RM2,000 / month equivalent

Principal annual feeRM0

Fixed profit rate14% p.a.

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THE DETAILS

Benefit breakdown

Principal annual fee: RM0
Supplementary annual fee: Waived
Annual-fee waiver: Lifetime annual fee waiver.
Service tax: RM25 per principal / supplementary physical credit card annually; DUO Visa and Mastercard are taxed separately.
Retail profit rate: 14% p.a., fixed and non-compounding on eligible retail balances; this does not apply to cash withdrawals.
Cash withdrawal / advance rate: 18% p.a. from transaction date; no interest-free period. The 14% Asas retail rate does not cover cash.
Cash withdrawal / advance fee: 5% of amount or RM20 minimum, plus 8% service tax on the fee. Cash limit: lower of 20% credit limit or available limit.
Minimum monthly payment: Higher of 5% current balance or RM50, plus all monthly instalments, service tax and past-due amounts as defined in the PDS.
Late payment / compensation: 1% of the qualifying unpaid balance, maximum RM100.
Foreign-currency conversion: Card-network conversion rate plus 1% bank spread; transaction / settlement dates can differ.
Retail grace period: 20 days from statement date only when the full previous statement is paid by its due date; excludes cash and instalment / transfer facilities.
Replacement card: RM50
Maximum credit limit: RM20,000 under the October 2026 PDS.

Minimum annual income: RM24,000
Principal minimum age: 21 years
Supplementary minimum age: 18 years
Application documents: Identity document plus current payslips / EPF / tax records and bank statements, or business income evidence, as requested by AFFIN.

Islamic structure: Tawarruq with Wakalah and Wa’d; prohibited merchant categories are restricted. The issuer contributes part of eligible retail spending to selected charities; this is not customer cashback.
Rewards: No AFFIN Rewards points entitlement on this Basic product. The ordinary Mastercard Basic-i uses standard profit tiers; the separate AURA Basic-i is the 14% Credit Card Asas product.

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.