AFFINBANK Visa Signature by Affin Bank

Product Highlights

Features

Cashback

Cash Back Category	Cash Back Rate	Monthly Cap	Condition
Contactless Transaction	3%	RM 80	Any amount monthly

Balance Transfer

Balance transfer

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

Easy Instalment Plan

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

Rewards

Earn	Spent In
1x Rewards Points Per RM 1	E-Commerce
1x Rewards Points Per RM 1	Mail Order Phone
1x Rewards Points Per RM 1	Recurring and Standing Instruction transaction

Fees and Charges

Annual Fee For Primary Card	RM 150*
Annual Fee For Supplementary Card	RM100
Mininum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
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Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher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 year waived when out spend minimum 12 times on retail transaction in a year

Interest Rate

15% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum	Tier 2: Cardmembers who settle their minimum payment after the payment due to at least 10 months or in a 12-months cycle
18% Per Annum	Tier 2: Cardmember's payment record is not within the above categories

Requirements

Minimum Annual Income	RM 48,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Any Business