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Affin Bank · Miles

AFFIN AVANCE PROTON By invitation

Earns
Up to 3 AFFIN Rewards Points per RM Dining, Online shopping and Online (foreign currency)
Lounge
Not stated
Applications
By invitation
Annual fee
Free for life 1% overseas fee, lower than most
See it on Affin Bank's site

Good for

  • 3 points per RM1 on dining and online shopping, uncapped.
  • 3 points per RM1 on spend at Proton.
  • 0% instalments for up to 24 months.
  • No annual fee, for life.

Watch out

  • Other spend earns 1 point per RM1. 20,000 points make 1,000 Enrich miles, so 1 point per RM1 is 0.05 miles.
  • Petrol, utilities, telco, government, charity, JomPAY and e-wallet reloads earn no points.

What it earns

AFFIN Rewards Points, per RM spent, and the miles they make in Enrich.

SpendingEarnsDetails
Dining, Online shopping and Online (foreign currency)3 points per RM 0.15 miles per RM.
Everything else1 point per RM 0.05 miles per RM.
Petrol, Utilities, Government / LHDN / JPJ and moreNothing Petrol, Utilities, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up, MAE / other e-wallet and Telco.

Points and transfers

Enrich
20,000 points for 1,000 miles Moved in blocks of 20,000 points.

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
15%, 17% 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
By invitation RM24,000 a year
Who
Members of PROTON, an Affin affiliate partner
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