AFFIN UKM Alumni Premier World Mastercard-i

Min. annual incomePreferred clientsRM6,666.67 / month equivalent

Principal annual feeRM0

Card networkMastercardIslamic credit card

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4 visits / year · qualifying spend requiredPlaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

AFFIN Premium Cards Lounge Programme

4 visits / year · qualifying spend required

Plaza Premium Lounge

Spend & visit rules: RM3,000 eligible retail in the latest statement. Qualify on the same card used at entry; old balances, cash, instalment postings and fees do not count.
Who can enter: Principal cardholder only; supplementary cards do not receive a separate free allowance.; 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.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed – Outside coverage
KLIA T2 Public area · verify Public area · verify
At T2, the listed Plaza Premium Lounge is on Level 2M at Gateway@klia2, before immigration and security. Check the card’s boarding-pass rules.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Physical eligible card; no separate app / membership card required

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	– Outside coverage
KLIA T2	Public area · verify	Public area · verify

Entry steps & validity

Present physical eligible card, matching boarding pass and passport for overseas travel (MyKad where accepted in Malaysia). 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 your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

AFFIN Rewards earning

AFFIN Rewards earning
Eligible spending	Points
Dining / overseas / online	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

Airline redemption
AFFIN Rewards Points	Redemption options
15,000	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: RM80,000
Principal minimum age: 21 years
Supplementary minimum age: 18 years
Product access: UKM alumni membership and minimum annual income RM80,000 required.
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.
UKM alumni privileges: Published alumni benefits include 15% off postgraduate registration, 10% off alumni programmes, career consultation, library access and selected swimming / souvenir discounts. UKM participation and current availability govern use.
Golf green fees: Up to 2 qualifying rounds per month through 31 December 2026. Principal only; RM5,000 retail spend in the latest statement. Book through AFFIN; guests, buggy / caddie and other club charges are not automatically included. Participating clubs and minimum-flight rules apply.
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.