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Affin Bank · No rewards

AFFIN AURA

Earns
No rewards
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on Affin Bank's site

Good for

  • Interest from 8% a year in the first year, and 9% after with 12 on-time payments.
  • No annual fee, for life.

Watch out

  • Earns no points or cash back.
  • The page lists one route in: ages 21 to 25, with RM500 to RM10,000 pledged in an Affin savings account.

What it earns

This card earns no rewards.

SpendingEarnsDetails
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and moreNothing Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Travel

Overseas spending fee
1% 1% Affin foreign exchange spread on top of the Visa or Mastercard rate.

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
Free for life No spending needed to keep it free.
Extra (supplementary) cards
Free for life Plus RM25 service tax a year.
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
8%, 9%, 12% or 18% a year Depends on how many of the last 12 payments were on time. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus any instalments and unpaid past minimums.
Late payment
1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM20 Plus service tax on the fee, and 18% a year interest worked out daily from the day you take it out. No interest-free days.
Replacement card
RM50

Who can apply

Income
RM24,000 a year or more
Age
21 or older Extra cardholders from 18.
Documents
  • Employees: a recent payslip, EPF statement, EA form, or Form B/BE with the tax receipt; which ones depends on the employer
  • Self-employed: the latest Form B/BE with the tax receipt
  • Commission earners: 6 months of commission and bank statements, Form B/BE, or a CP58 statement
Non-Malaysians, and anyone who cannot show income, must pledge a fixed deposit or savings account with Affin for as long as they hold the card.

Other perks

Pay by phone
Google Pay Add it in Google Wallet. Every AFFIN credit card can be added.

Where this comes from