• Min. Monthly Income

    RM3,000

  • Interest Rate

    9.99% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM150

Feature Highlights
  • Cashback of up to 0.8% on retail transactions
  • Lifetime annual fee waiver
  • Free travel accident insurance with coverage of up to RM500,000
Petrol
5.33/10
Groceries
4.6/10
Dining
4.6/10
Shopping
4.6/10
Entertainment
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

Groceries

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

Dining

  • 0.4% 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

Entertainment

  • 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)

  • Balance Transfer

    • Min. transfer amount: RM5,000
    • Repayment tenure and interest rate:
      - 6 months: 0% per annum; 0% one-time upfront fee

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

Card Information

Annual Fee RM150 (Free for the first year)
Min. Monthly Income RM3,000
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

17.5% p.a. – otherwise

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

17.5% per annum on cash advance amount

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Free Petrol Credit Upon Card Approval!

AFFINBANK Touch n Go Gold 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 RM1,500! Upon the card approval, you will get a RM20 petrol credit 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 for principal holder and RM75 for supplementary holder. 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, 17.5% 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 Touch n Go Gold?

To apply for AFFINBANK Touch n Go Gold, all you need is just a minimum income of RM3,000 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 Touch n Go Classic and AmBank Cosway Gold MasterCard, which may match your requirements.

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