Visa · Islamic
AFFIN · MALAYSIA
AFFIN DUO+ Visa Signature-i
Min. annual incomeRM48,000RM4,000 / month equivalent
Principal annual feeRM100
Card networkVisaIslamic credit card
Google PaySupported
THE DETAILS
Benefit breakdown
DUO Visa cashback
| Previous statement balance | Eligible cashback | Total monthly cap | E-wallet sub-cap |
|---|---|---|---|
| Below RM3,000 | 3% online / e-commerce, e-wallet and auto-billing | RM30 | RM30 within the overall cap |
| RM3,000 or more | 3% on the same eligible categories | RM50 | RM30 within the overall cap |
Principal and supplementary spending share one principal-account cap. Previous balance is the statement field carried from the earlier statement, not a generic monthly spending minimum. Government, charity, JomPAY / FPX, online banking and MOTO do not qualify.
DUO+ Visa contactless cashback
| Previous statement balance | Rate | Monthly cap | Transaction condition |
|---|---|---|---|
| Below RM8,000 | 3% | RM50 | Eligible contactless receipt up to RM250 |
| RM8,000 or more | 3% | RM100 | Eligible contactless receipt up to RM250 |
Principal and supplementary spend share the principal-account cap. The previous-balance field is not the same as current monthly spend. Government and charity transactions are excluded.
Fees & charges
- Principal annual fee
- RM100
- Supplementary annual fee
- RM50 per card
- Annual-fee waiver
- 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.
- 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
- 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.
- Paired card application
- Visa and Mastercard are issued together as AFFIN DUO+. This page describes the named network variant; do not combine its earning rules or tax with the companion card.
- Contactless receipt rules
- Transactions intentionally split at the same merchant can be rejected for cashback. Cashback is truncated to two decimal places for each transaction under the January 2026 revision.
- 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.