AFFINBANK - AFFIN DUO Visa Cash Back by Affin Bank

Earn up to 3% cash rebates on ALL retail purchases with no restriction on what, where, or when to spend.

Zero interest for retail transactions if payment made within 20 days (if all the transaction from previous month have been paid)

Cash Back Category	Cash Back Rate	Monthly Cap	Condition
E-Commerce/Online	3%	RM 80	Any amount monthly
E-Wallet Reloads/Transactions	3%	RM 80	Any amount monthly
Auto-Billing	3%	RM 80	Any amount monthly

Pay Over	With Interest Rate At	When You Transfer
6 Months	0% p.a. with 2% one-time upfront handling fee	From RM 1,000
12 Months	0% p.a. with 4% one-time upfront handling fee	From RM 1,000
18 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
24 Months	0% p.a. with 6% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 2% one-time upfront handling fee	From RM 500
12 Months	0% p.a. with 4% one-time upfront handling fee	From RM 1,000
18 Months	0% p.a. with 5% one-time upfront handling fee	From RM 2,000
24 Months	0% p.a. with 6% one-time upfront handling fee	From RM 2,000
36 Months	0% p.a. with 7% one-time upfront handling fee	From RM 3,000

Annual Fee For Primary Card	RM 75*
Annual Fee For Supplementary Card	RM 30
Mininum Monthly Payment	5% of the outstanding amount
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

*First 3 yeas free waived when you spend minimun 12 times on retail transaction in a year.

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone

Apply for AFFINBANK - AFFIN DUO Visa Cash Back by Affin Bank