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Affin Bank · Visa + Mastercard · Cashback + Miles

AFFIN DUO-i

Earns
0.15 miles per RM Dining
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
RM75 Waived at 12 swipes a year
See it on Affin Bank's site

Good for

  • 3% cash back on online shopping, e-wallet reloads and auto-billing, up to RM30 a month (RM50 when your previous balance is RM3,000 or more).
  • No annual fee for the first 3 years, then waived with 12 purchases a year.

Watch out

  • Only online, e-wallet and auto-billing spend earns. Everything else earns nothing on this card.
  • E-wallet cash back is capped at RM30 a month even when the RM50 cap applies.
  • Government, charity, online banking, JomPAY, FPX and mail or phone orders earn nothing.

What it earns

Cash back on the Visa and AFFIN Rewards Points on the Mastercard. The points rows show the miles those points make in Enrich. You get both cards, so use each where it earns more.

SpendingVisaMastercard
Online shopping, Online (foreign currency), Touch 'n Go reload and more3% Up to RM30 back a month, shared with Utilities and Telco on recurring payments.–
Utilities and Telco on recurring payments3% Up to RM30 back a month, shared with Online shopping, Online (foreign currency), Touch 'n Go reload and more.–
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and MAE / other e-walletNothing –
Dining, Groceries and Petrol– 3 points per RM 0.15 miles per RM.
Utilities, Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and more– Nothing 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.

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
RM75 Waived after 12 purchases in a year.
Extra (supplementary) cards
RM30 a card a year Waived for the first 3 years. Plus RM25 service tax a card 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 A profit rate. 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, 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

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
Visa + Mastercard

Where this comes from