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Affin Bank · Mastercard · Cashback + Miles

AFFIN BHPetrol Mastercard

Earns
0.05 miles per RM Dining
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
RM150 Waived at 12 swipes a year
See it on Affin Bank's site

Good for

  • Cash back at BHPetrol: 2% on weekdays, and 5% on weekends (10% when your previous balance is RM3,000 or more), up to RM50 a month.
  • 1 point per RM1 on other retail spend.
  • Annual fee waived with 12 purchases a year, after a free first year.

Watch out

  • Other petrol stations earn nothing.
  • 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

Cash back and AFFIN Rewards Points. The points rows show the miles those points make in Enrich.

SpendingEarnsDetails
All spending except Petrol at BHPetrol1 point per RM 0.05 miles per RM.
Petrol at BHPetrol on weekends5% Up to RM50 back a month, shared with Petrol at BHPetrol on weekdays.
Petrol at BHPetrol on weekdays2% Up to RM50 back a month, shared with Petrol at BHPetrol on weekends.
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.

Getting your cash back

How it's paid
Credited to your card on the statement date Affin credits it to the main card account on each statement date. Supplementary card spend counts toward the main card.
Which month counts
Your statement month Worked out per statement cycle. A purchase that posts on the statement date counts in the next statement, under its cap.

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
RM150 Free the first year. Waived after 12 purchases in a year.
Extra (supplementary) cards
RM75 a year First year free. 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
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.
Card network
Mastercard

Where this comes from