Affinbank MasterCard Basic – MyFinance

Affinbank MasterCard Basic

Feature Highlights

A basic credit card with unlimited offers, benefits and credit lines at zero annual fee for life.
Enjoy low interest rate starting at 2% that is charged only once upon application.
Receive ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.

Benefits & Features

Cash Withdrawals

Affinbank MasterCard Basic allows you to perform cash withdrawals for up to 3 transactions a day. However, there’s a cash withdrawal limit, which is 25% of the credit card limit or the available credit limit, whichever is lower. It is better to settle the withdrawal amount before the payment due date, otherwise, Affin Bank will charge you 17.5% p.a. on the outstanding balance.

Fees and Charges

If you’re looking for your first credit card, you can consider Affinbank MasterCard Basic that provides credit card benefits without the annual fee. The fee is waived forever with no hidden conditions.

Are You Eligible For The Affinbank Master Card Basic?

Anybody can apply for the Affinbank Master Card Basic 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 https://www.imoney.my/

Fees & Charges

Flexibility Fee and Charges

Interest Rate

15% p.a.
Annual Fee

Free

Redeem Rewards

Balance Transfer

You are bound to miss your credit card payment if you hold multiple cards at the same time. Consolidate all outstanding balance into one manageable sum with this balance transfer and make full use of the low upfront interest rate charges you get.

Easy Payment Plans

Select your desired payment duration from 6 months to as long as 36 months for your purchases with Affin Bank Easy Instalment Plan.

Interest Rate Rebate

The credit card interest rate is also known as the finance charge, which starts from 15% p.a. up to 18% p.a., depending on how prompt you make your credit card bill payment every month. The minimum monthly payment is 5% of the outstanding balance or minimum of RM50, whichever is higher.

Borrow Privileges

Card Information

- - Min. Monthly Income
    
    RM2,000
  - Min. age for principal holder and supplementary holder
    
    21 and 18 years old above

Finance charges

PAY OVER	WITH INTEREST RATE AT	WHEN YOU SPEND
6 months	2% 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