Affin Bank · No rewards

AFFIN AURA Basic-i

Good for

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. The limit is up to RM20,000.

This card earns no rewards.

Spending	Earns	Details
Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up and more	Nothing	Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

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

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: 14% a year A profit rate, the same for every cardholder. 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, up to RM100 A compensation charge (ta'widh) when the minimum payment is late.
Cash withdrawal: 5% fee, at least RM20 Plus 8% service tax on the fee, and 18% a year profit worked out daily from the day you take it out. No profit-free days.
Replacement card: RM50

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.

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