AFFIN Visa Business Platinum-i

Min. annual incomeRM120,000RM10,000 / month equivalent

Principal annual feeRM300

Card networkVisaIslamic credit card

Google PaySupported

THE DETAILS

Benefit breakdown

Business retail cashback
Eligible transaction	Cashback	Cap
Overseas retail	1%	Uncapped
Other eligible retail	0.3%	Uncapped

Excludes cash withdrawals / advances, government, charity and petrol. Business-card cashback does not earn AFFIN Rewards points.

Principal annual fee: RM300
Supplementary annual fee: Not offered for Business Platinum.
Annual-fee waiver: First 2 years waived; then RM300 principal, waived with RM36,000 qualifying annual spend OR 12 retail transactions per year. No supplementary-card facility.
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

Minimum annual income: RM120,000
Principal minimum age: 21 years
Business requirement: Business established for at least 3 years, with financial / income evidence and bank credit assessment; no supplementary-card facility.
Application documents: Identity document plus current payslips / EPF / tax records and bank statements, or business income evidence, as requested by AFFIN.

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.
Lounge / golf confirmation: The product page advertises 6 lounge visits and golf, but its duplicated sections show different spending thresholds and its linked programme PDF does not list Business Platinum among eligible cards. Confirm a current card-specific entitlement with AFFIN before relying on it; it is not shown here as a verified free allowance.

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