Visa · Conventional
AFFIN · MALAYSIA
AFFIN AURA Visa
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM0
Card networkVisaConventional card
Google PaySupported
THE DETAILS
Benefit breakdown
Fees & charges
- 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 finance rate
- First year 8% p.a.; from year 2: 9% with 12 consecutive timely minimum payments, 12% with at least 10 timely payments in 12 months, otherwise 18%.
- Cash withdrawal / advance rate
- 18% p.a. from the transaction date until settlement; no retail grace period.
- 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, minimum RM10 and 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
Requirements
- 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.
Payment plans
Balance transfer — 2026 offer
| Eligible customer | Term | Minimum | Upfront rate / use |
|---|---|---|---|
| New AFFIN cardmember | 12 months | RM2,000 | 0%; subject to acquisition eligibility |
| Existing cardmember | 12 months | RM2,000 | 0% one-time offer; 1.5% for multiple applications |
Offer through 31 December 2026. Upfront fees are not annual interest rates; approval and available credit limit apply.
Fixed payment plan — 2026 offers
| Route | Tenure | Offer condition |
|---|---|---|
| New cardmember | 6 months | 0% upfront; qualifying acquisition offer |
| Birthday-month offer | 6 months | 0% upfront; qualifying retail conversion |
| All cardmembers offer | 12 months | 0% upfront; qualifying retail conversion |
Campaigns through 31 December 2026; the approved minimum, eligibility and current application terms govern each conversion. Specific AVANCE / UiTM plans are described separately.
Product features
- Card material
- Made from 100% recycled PVC. This is a product-material feature, not an offset or cash reward.
- Optional card-balance protection
- Credit Shield / myCreditShield, where offered, is optional protection with its own premium / contribution, insurer and exclusions. It is not presented as free travel insurance.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.