AFFIN DIVENTIUM Visa Infinite-i

Min. annual incomeBy invitation

Principal annual feeRM500

Card networkVisaIslamic credit card

View with bank ↗← All AFFIN cards

Google PaySupported

Unlimited · qualifying spend requiredPlaza Premium Lounge / selected Plaza Premium First

BEFORE YOU FLY

Airport lounge access

AFFIN Premium Cards Lounge Programme

Unlimited · qualifying spend required

Plaza Premium Lounge / selected Plaza Premium First

Use viaPhysical eligible card; no separate app / membership card required

Qualifying spend & allocation: RM3,000 eligible retail in the latest statement OR RM100,000 eligible retail in the calendar year. Qualify on the same card used at entry; old balances, cash, instalment postings and fees do not count.
Principal / supplementary: Eligible principal and supplementary cardholders; each qualifies independently.
Guests: Guests are not automatically free. Published preferred paid rates: 25% off participating Malaysian lounges / 20% off overseas; children aged 2+ can be chargeable.
Where it works: Only participating locations in the official list, updated October 2026. Includes selected Malaysian outlets, Singapore Changi T1 / T4 and other listed overseas locations.

Programme valid through 31 December 2026. Calendar-year quotas do not imply every lounge in the network is eligible.

Entry steps & validity

Present physical eligible card, matching boarding pass and passport / MyKad. At most one complimentary entry per day, up to 3 hours; extra entries / time can be charged.

Programme valid through 31 December 2026. Calendar-year quotas do not imply every lounge in the network is eligible.

Official eligible lounge list ↗Lounge programme rules ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

AFFIN Rewards earning

AFFIN Rewards earning
Eligible spending	Points
Qualifying spending under the private-bank earn schedule	Up to 8 points per RM1; confirm category-level rates with your relationship manager

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

Airline redemption
AFFIN Rewards Points	Redemption options
8,000	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: RM500
Supplementary annual fee: RM400
Annual-fee waiver: RM500 principal / RM400 supplementary from year one. Subsequent waiver with RM100,000 annual qualifying spend; no 12-swipe alternative.
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: RM450

Requirements

Minimum annual income: Invitation-only private banking; no public general salary threshold.
Principal minimum age: 21 years
Supplementary minimum age: 18 years
Product access: Invitation-only AFFIN DIVENTIUM private-banking relationship; no general salary threshold published.
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

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

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.
Golf privileges: The dedicated DIVENTIUM page advertises complimentary green fees in Malaysia / Southeast Asia for eligible principal and supplementary cardholders after RM3,000 latest-statement retail spending. Book through AFFIN Premium Cards; confirm current club availability, quotas and additional fees before reserving.
Welcome points: 50,000 AFFIN Rewards Points after activation and RM10,000 qualifying spending within 60 days after approval; invitation and offer eligibility apply.
Airport fast track — 2026 offer: 1 service per statement cycle, capped at 2 during 1 September–31 December 2026. Principal only; RM20,000 latest-statement retail spend, including supplementary spend. Full-service airline Business Class or above; budget carriers excluded. Book through AFFIN Premium Cards Contact Centre at least 5 working days ahead. Additional travellers chargeable.
Airport pickup limousine — 2026 offer: 1 one-way airport pickup per statement cycle, capped at 2 during 1 September–31 December 2026. Principal only; RM20,000 latest-statement retail spend; full-service airline Business Class or above. Designated airports / booking channel and advance-reservation conditions apply. The RM10,000 shorthand on the marketing page is superseded by the formal RM20,000 programme condition.
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.

Product disclosure·Card terms·Terms apply

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