• Min. Monthly Income

    RM2,000

  • Interest Rate

    9.99% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM150

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Feature Highlights
  • Cashback of up to 0.8% on retail transactions
  • Lifetime annual fee waiver
Petrol
5.33/10
Dining
4.6/10
Entertainment
4.6/10
Groceries
4.6/10
Shopping
4.6/10

Petrol

  • 0.4% cashback with minimum spending of RM100 – RM1,500
  • 0.8% cashback with minimum spending of RM1,501 and above
  • Free RM20 petrol credit upon card approval

Dining

  • 0.4% cashback with minimum spending of RM100 – RM1,500
  • 0.8% cashback with minimum spending of RM1,501 and above

Entertainment

  • 0.4% cashback with minimum spending of RM100 – RM1,500
  • 0.8% cashback with minimum spending of RM1,501 and above

Groceries

  • 0.40% cashback with minimum spending of RM100 – RM1,500
  • 0.8% cashback with minimum spending of RM1,501 and above

Shopping

  • 0.4% cashback with minimum spending of RM100 – RM1,500
  • 0.8% cashback with minimum spending of RM1,501 and above

Other Features

  • Protection Plan

    • Travel Accident Insurance coverage of up to RM500,000 when full airfare is charged to the credit card
    • Travel Inconvenience Insurance covering:
      • Flight delay, missed connection, and luggage delay: Up to RM500 (personal) / up to RM1,000 (family)
      • Lost luggage: Up to RM1,000 (personal) / up to RM2,000 (family)

    • Free Personal Accident Insurance worth RM30,000 (for first year only) upon your card approval

  • Balance Transfer

    • Min. transfer amount: RM5,000

    • Repayment tenure and interest rate:
      - 6 months: 0% per annum; 2% one-time upfront fee

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM150 (Free for the first year)
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above
Min. age for supplementary holder

18 and above
Fee for supplementary holder RM75
Finance charges 9.99% p.a. - prompt minimum payment for 12 months

15% p.a. - if the above is not met
Goods & Services Tax (GST)

6% on annual fee and other charges
Late payment charge

Higher of RM5 or 1% of outstanding balance, up to a maximum of RM50
Cash advance amount

25% of credit limit
Cash advance charge

Higher of RM20 or 5% cash advance amount
Cash advance interest charge

15% per annum on cash advance amount
Cashback Limit

N/A
Rewards points expiry

N/A

Product Review by iMoney Malaysia

Spend More and Save More!

AFFINBANK BHPetrol Master Card offers 0.4% cashback with minimum spending as low as RM100 on petrol, dining, entertainment and shopping. You can get double cashback which is 0.8% if you spend above RM1500! Upon the card approval, you will get a RM20 petrol credit and personal accident insurance worth RM30,000 (first year only) for FREE! This card also provides you Travel Accident, Travel Inconvenience and lost luggage coverage.

Fees and Charges

The annual fee for this card is free for life. By settling your payments promptly on time for 12 months (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher), you get to enjoy a lower finance charge of 9.9% per annum, 15% per annum otherwise. As for late payment penalty, the amount charged higher of RM5 or 1% of outstanding balance, up to a maximum of RM50.

Are You Eligible For The AFFINBANK BHPetrol Master Card?

To apply for AFFINBANK BHPetrol Master Card, all you need is just a minimum income of RM2,000 and to be at least 21 years old for principal holder and at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as AffinBank Classic Credit Card and AEON Classic Visa MasterCard, which may match your requirements.

If you prefer to broaden your credit card search, review more AffinBank credit cards and start comparing today!