Affinbank Master Card Gold

Feature Highlights

  • Low interest rate MasterCard Gold credit card with no annual fee. Enjoy comprehensive line of credits as well as loyalty points on retail spending.
  • Earn 1x AFFIN Rewards Points for every RM1 spent on retail purchases.
  • Enjoy one-time charges from as low as 2% and payment terms up to 36 months.

Get Peace of Mind with Affin Credit Shield

  • Youu have the option to sign up for Affin Credit Shield, a group term life plan insurance that covers you against Death and Total Permanent & Disability for up to RM300,000 each. This insurance plan pays the outstanding balance on your monthly statement of your credit card in case unfortunate things happen to you. For more information about this insurance, click¬†here.

Fees and Charges

  • Affinbank MasterCard Gold is free from annual fee for the first year. For the subsequent year, the annual fee is RM150 for the principal card and RM75 for each supplementary card. However, the annual fee for the subsequent years can be waived with a minimum spend of RM24,000 each year.

Are You Eligible For The Affinbank Master Card Gold?

  • Anybody can apply for the Affinbank Master Card Gold with a minimum annual income of RM24,000. The individual must be at least 21 years old and above to hold a primary card and 18 years old above for a supplementary card.

The above sources can be found at

Flexibility Fee and Charges

  • Interest Rate
    15% p.a.
  • Annual Fee
    RM150 will be charged for primary card and RM75 will be charged for supplementary card holders.


  • Like gifts and free stuff? Spend with your Affinbank MasterCard Gold on retail purchases as every RM1 spent will get you 1x AFFIN Rewards Points. Spend more to collect more points, which can be redeemed with gifts, vouchers and other merchandises!

Easy Payment Plans

  • Affin Bank EiPlan offers payment terms from 6 to 36 months on any retail purchase. The upfront interest rate starts from 2%.

Card Information

      • Min. Monthly Income
      • Min. age for principal holder and supplementary holder
        21 and 18 years old above
  • Finance charges
    6 months 3% one-time upfront handling fee RM500
    12 months 4% one-time upfront handling fee RM1,000
    18 months 5% one-time upfront handling fee RM2,000
    24 months 6% one-time upfront handling fee RM2,000
    36 months 7% one-time upfront handling fee RM3,000