Mastercard · Islamic
AFFIN · MALAYSIA
AFFIN AVANCE Affiliate Mastercard-i
Min. annual incomePreferred clientsRM4,000 / month equivalent
Principal annual feeRM0
Card networkMastercardIslamic credit card
Google PaySupported
THE DETAILS
Benefit breakdown
AFFIN Rewards earning
| Eligible spending | Points |
|---|---|
| Dining | 3 points per RM1 |
| Other eligible retail | 1 point per RM1 |
A transaction earns the applicable category rate, not the sum of multiple rates. Card-specific categories override general exclusions only where expressly allowed.
Airline redemption
| AFFIN Rewards Points | Redemption options |
|---|---|
| 20,000 | 1,000 Enrich Points OR 1,000 AirAsia points OR 10 Batik Air Club points |
Revised conversion effective 1 April 2025. Airline programmes have their own validity, award availability and taxes; redeeming points does not guarantee a free itinerary.
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 profit rate
- 15% / 17% / 18% p.a. according to prompt-payment record over the preceding 12 months.
- 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, 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
- RM48,000
- Principal minimum age
- 21 years
- Supplementary minimum age
- 18 years
- Product access
- Eligible affiliate membership required. General income RM48,000; ANSARA / PROTON routes RM24,000. Individual partner conditions apply.
- 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
- 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.
- Points validity & pooling
- Points expire 3 years from the calendar month earned; eligible supplementary spending is accumulated in the principal account. Programme exclusions apply.
- Cash / voucher conversion
- 600 AFFIN Rewards Points for RM1 equivalent under the revised redemption schedule effective 1 June 2025; airline conversions use the separate table.
- Rewards exclusions
- General exclusions include cash / balance transfers, taxes and bank fees, instalment postings, reversals, government / charity, utilities / telecom and e-wallet funding. Petrol is normally excluded; DUO Mastercard’s expressly advertised petrol category is treated separately. MPN card-specific category eligibility requires the matching merchant / transaction classification.
- Affiliate-specific benefits
- Eligible partner cards receive the affiliate name / membership details and partner-specific FPP offers. ANSARA and PROTON have an RM24,000 income route; other listed programmes generally RM48,000. PCTH, OPA, MIEA, KLSCAH, BOA and TRR programmes are scheduled to convert to regular AVANCE on 16 November 2026; separate old-partner products are not listed here.
- 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.