AFFIN Islamic Platinum Mastercard

Earn reward points for every Ringgit spent on dining, groceries and online/e-commerce transactions. Plus free Takaful coverage for funeral expenses!

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Min. IncomeRM2,500/month
Annual FeeFree
Balance TransferFrom 0% p.a.
Easy Payment PlanFrom 0% p.a.
Interest Rate15% p.a.
Interest-free20 days

- Overview
- Earn reward points for every Ringgit spent on dining, groceries and online/e-commerce transactions. Plus free Takaful coverage for funeral expenses!
- Rewards (AFFIN Rewards Points)
- Get 1x AFFIN Rewards Points for all your retail transactions which include dining, groceries, e-commerce/online and others. Except for charity, government and petrol transactions.
- Travel
- Enjoy 2x complimentary access to Plaza Premium Lounges in Malaysia with accompanying guests getting 25% and 20% access discounts in Malaysia and overseas respectively. In order for Principal cardholders to enjoy the free passes, you must have a minimum of RM3,000 on the latest credit card statement. Other terms apply. Convert your accumulated AFFIN Rewards Points to Enrich Points, AirAsia BIG Points, and/or Malindo Miles and redeem your next free flights.
- Balance Transfer
- Transfer your outstanding credit card balance of RM1,000 to Affin Islamic credit card and enjoy a one-time up-front competitive profit rate as low as 2% and flexible repayment tenure.
- Flexible Payments
- Shop at participating merchants with Affin Islamic Bank and pay a 0% profit rate when you convert the purchase into Easy Payment Plan.
- Additional Premium
- Spend and donate at the same time. With every retail transaction you made with AFFIN Islamic Mastercard Credit Card-i, the Bank will contribute a portion to selected charity organizations. Plus, enjoy complimentary Funeral Expenses Coverage worth RM1,000.
- Features
- Criteria Details
  Card Type MasterCard
  Interest Free Period (Days) 20
  Shariah Compliant Yes
- Fee
- Criteria Details
  Min Cash Withdrawal Fee RM20 or 5%
  Min Late Payment 1% of outstanding amount, up to a maximum of RM100
- Min Monthly Payment
- Criteria Details
  Min Monthly Payment 5%
- Easy Payment
- Months Interest Rate (%) Upfront Interest (%) Minimum Amount (RM) Max Amount (RM)
  6 0 0 500 -
  6 0 0 2000 -
  12 0 0 2000 -
  24 0 0 2000 -
- Balance Transfer
- Months Upfront Interest (%) Interest (%) Minimum Amount (RM)
  6 2 0 1000
  12 4 0 1000
  18 5 0 2000
  24 6 0 2000
  36 7 0 3000
- Rewards Points Tiers
- Applicability Points Per Ringgit Validity (Years)
  On dining, groceries, e-commerce/online, and other local retail transactions 1 1 3
- Annual Percentage Rate
- Criteria Interest Rate (%)
  Prompt Repayment every month 15
  Prompt Repayment 10 out of 12 months 17
  Prompt Repayment of less than 10 out of 12 months 18
  Interest rate on cash withdrawal 18
- Supplementary Card
- Criteria Details
  Minimum Age (Years) 18
- Eligibility
- Criteria Details
  Minimum Age 21
  Who Can Apply Anybody

Criteria	Details
Card Type	MasterCard
Interest Free Period (Days)	20
Shariah Compliant	Yes

Criteria	Details
Min Cash Withdrawal Fee	RM20 or 5%
Min Late Payment	1% of outstanding amount, up to a maximum of RM100

Criteria	Interest Rate (%)
Prompt Repayment every month	15
Prompt Repayment 10 out of 12 months	17
Prompt Repayment of less than 10 out of 12 months	18
Interest rate on cash withdrawal	18

Months	Minimum Amount (RM)	Max Amount (RM)
6	500	-
6	2000	-
12	2000	-
24	2000	-

Months	Upfront Interest (%)	Minimum Amount (RM)
6	2	1000
12	4	1000
18	5	2000
24	6	2000
36	7	3000

Criteria	Details
Minimum Age	21
Who Can Apply	Anybody