Affinbank Visa Basic Card

Feature Highlights

  • A basic card that empowers your spending habit and simplifies cash flow management – all at zero annual cost for life!
  • Say hello to ONE-TIME upfront interest for as low as 6% and a fixed repayment tenure when you borrow up to 90% of your credit limit.

Cash Withdrawals

  • The cash withdrawal refers to the cash advance for the credit cards. You can withdraw cash from your Affinbank Visa Basic account for up to 3 transactions per day.┬áThe maximum withdrawal limit is 25% of your credit limit or available credit limit, whichever is lower. Besides that, if you are not able to repay the withdrawal amount before the payment due date, the finance charge between 15% to 18% p.a. will be incurred on your Affinbank Visa Basic account.

Fees and Charges

  • If you’re looking for a basic credit card without expecting to pay the annual fee, Affinbank Visa Basic could be your choice.┬áThe annual fee is waived for life without any hidden charges or conditions.

Are You Eligible For The Affinbank Visa Basic Card?

  • Anybody can apply for the Affinbank Visa Basic Card 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

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.

Card Information

      • Min. Monthly Income
      • Min. age for principal holder and supplementary holder
        21 and 18 years old above
  • Finance charges
    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