Save up to 40% in finance charge without the need to maintain 12 months prompt payment record

AFFINBANK offers unlimited amount of cash rebate that you can enjoy while other banks have a maximum amount of cash rebate (capping)

No Terms and Conditions attached.

Spend anywhere and convert into installment plan of up to 36 months tenure.

Transfer outstanding balances from other credit cards to AFFINBANK and enjoy repayment period of six,12,18,24 and up to 36 months tenure. The Bank will only charge one time minimal amount of charges.

• The Promotional rate becomes effective since 19th January 2010. As such, we will not be able to accommodate your application.
• Nevertheless, you can still transfer subsequent balances from other Banks and enjoy this promotional rate.

• Of course. Just apply for AFFINBANK credit card and enjoy this promotional rate and also many more benefits.
• At the same time you also enjoy interest rate of 9.99% p.a. only for all other transactions.

• Lowest finance charge of 9.99% per annum against 13.5% to 17.5% from other Banks. Save up to 40% in finance charge without having to maintain 12 consecutive months prompt payment record.
• Cash rebate of up to 0.8% for retail transactions. AFFINBANK offers unlimited amount of cash rebate.
• Annual Fee Free for life. No Terms and Conditions attached.
• Easy Installment Plan, spend anywhere and convert to installment plan of up to 36 months.

• We understand your concern and would like to advise you not to cancel your AFFINBANK credit card because AFFINBANK card offers you the overall best card benefits.
• You can consolidate your balances via Balance Transfer –"Consolidate & Save"

• Keep your AFFINBANK credit card and simply transfer your outstanding balances from other cards to AFFINBANK to enjoy competitive up front one time interest rate for a period up to 36 months
• At the same time you also enjoy interest rate of 9.99% p.a. only for all other transactions.

• Lowest finance charge of 9.99% per annum against 13.5% to 17.5% from other Banks. Save up to 40% in finance charge without having to maintain 12 consecutive months prompt payment record.
• Cash rebate of up to 0.8% for retail transactions. AFFINBANK offers unlimited amount of cash rebate.
• Annual Fee Free for life. No Terms and Conditions attached.
• Easy Installment Plan, spend anywhere and convert to installment plan of up to 36 months.

• We understand your concern and would like to advise you not to cancel your AFFINBANK credit card because AFFINBANK card offers you the overall best card benefits.
• You can consolidate your balances via Balance Transfer – "Consolidate & Save"

• Keep your AFFINBANK credit card and simply transfer your outstanding balances from other cards to AFFINBANK to enjoy competitive up front one time interest rate for a period up to 36 months
• At the same time you also enjoy interest rate of 9.99% p.a. only for all other transactions.

• Lowest finance charge of 9.99% per annum against 13.5% to 17.5% from other Banks. Save up to 40% in finance charge without having to maintain 12 consecutive months prompt payment record.
• Cash rebate of up to 0.8% for retail transactions. AFFINBANK offers unlimited amount of cash rebate.
• Annual Fee Free for life. No Terms and Conditions attached.
• Easy Installment Plan, spend anywhere and convert to installment plan of up to 36 months.

Move all your other banks' accounts to AFFINBANK. as AFFINBANK credit card gives you the best deal in town.

Balance Transfer is to transfer your credit card outstanding balances with other financial institution to AFFINBANK with repayment option of six,12,18,24 and 36 months tenure to suit your requirement. The Bank will only charge competitive up front one time interest based on the tenure.

Yes, you can request for an increase in credit limit by giving us your latest pay slip. This will be subject to approval.

Do not worry, we will issue and sent you a new credit card.

AFFINBANK credit card has the best offers in the market

Fantastic offers

• Lowest finance charge of 9.99% per annum against 13.5% to 17.5% from other Banks. Save up to 40% saving in finance charge without need to maintain 12 months prompt payment record
• Cash rebate up to 0.8%. AFFINBANK offers unlimited amount of cash rebate that you can enjoy while other banks have a maximum amount of cash rebate (capping) .
• Free annual fee with no Terms and Conditions attached.
• Easy Installment Plan, spend anywhere and convert into installment plan of up to 36 months tenure.
• Balance transfer with competitive one time interest rate for a period up to 36 months

"Consolidate & Save" is the best deal right now. Apply for AFFINBANK credit card and simply transfer your outstanding balances from other cards to AFFINBANK and enjoy a repayment period of six, 12, 18, 24 and 36 months tenure

You have 2 options:-

1. Move all your other banks' accounts to AFFINBANK.
2. As AFFINBANK credit card gives you the best deal in town, you can maintain your other accounts with ABC Bank but for credit card I advise you to remain with AFFINBANK and you can consolidate your card holding with AFFINBANK via Balance Transfer – "Consolidate & Save". Point to note- AFFINBANK card offers you the overall best card benefits.

You can transfer your outstanding balances from your credit cards from other Financial institution to AFFINBANK and enjoy repayment period of six,12,18,24 and 36 months tenure. The Bank will only charge one time interest depending on the tenure.

Yes, you can request for a higher credit limit subject to Bank's approval.

All principal & supplementary credit and charge cards are subject to GST. The amount of GST are :
Principal – RM50 for each cards
Supplementary – RM25 for each cards

• For existing credit cardmember, the GST will be charged on the anniversary of card issuing date (card renewal) eg. The card issuance date is 15/12/2009, the GST will be charged on 15/12/2010, 15/12/2011, 15/12/2012.
• For new credit cardmember, the GST will be charged upon issuance eg. Card issue on 10/1/2010, the GST will be charged on 10/1/2010.

Yes, the GST will be charged on the issuance (new card) or the anniversary of the card issuance date (existing card)

Yes, as long the card is issued, the GST will be charged.

We are so sorry , we cannot waive subject the GST as it is imposed by the government . We suggest you to maintain our cards as AFFINBANK cardmembers and enjoy interest rate of 9.99% p.a. as compared to other Banks, you save 40% in interest and cash rebate of up to 0.8% with unlimited amount of rebate (no capping)

No, GST will not be charged for card replacement due to :

• lost
• stolen
• chip faulty
• clone

No, because there is no new card issuance.

Yes, if the card cancellation is within 3 months from the GST billing date and there is no usage.