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AFFINBANK Touch-n-Go Emas

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 3000
  • icon Kadar Faedah
    Kadar Faedah
    9.99% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 150

Ciri Utama

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

  • icon petrol Petrol

    • Pulangan tunai 0.4% dengan perbelanjaan minimum RM100 – RM1,500
    • 0.8% pulangan tunai dengan perbelanjaan minimum RM1,501 dan ke atas
    • Kredit petrol RM20 percuma selepas kelulusan kad

  • icon groceries Barangan Runcit

    • Pulangan tunai 0.4% dengan perbelanjaan minimum RM100 – RM1,500
    • 0.8% pulangan tunai dengan perbelanjaan minimum RM1,501 dan ke atas

  • icon dining Makan

    • Pulangan tunai 0.4% dengan perbelanjaan minimum RM100 – RM1,500
    • 0.8% pulangan tunai dengan perbelanjaan minimum RM1,501 dan ke atas

  • icon shopping Beli-Belah

    • Pulangan tunai 0.4% dengan perbelanjaan minimum RM100 – RM1,500
    • 0.8% pulangan tunai dengan perbelanjaan minimum RM1,501 dan ke atas

  • icon entertainment Hiburan

    • Pulangan tunai 0.4% dengan perbelanjaan minimum RM100 – RM1,500
    • 0.8% pulangan tunai dengan perbelanjaan minimum RM1,501 dan ke atas

icon tag Other Features

  • Pelan Perlindungan: Perlindungan Insurans Kemalangan Perjalanan sehingga RM500, 000 apabila tambang penerbangan penuh dikenakan ke kad kredit, Insurans Kesulitan Perjalanan meliputi:, Kelewatan penerbangan, sambungan terlepas, dan kelewatan bagasi: Hingga RM500 (peribadi) / sehingga RM1, 000 (keluarga), Bagasi yang hilang: Sehingga RM1, 000 (peribadi) / sehingga RM2, 000 (keluarga)
  • Pemindahan Baki: Min. jumlah pemindahan: RM5, 000, Tempoh pembayaran semula dan kadar faedah: 6 bulan: 0% setahun; Bayaran pendahuluan 0%
  • Pelan Ansuran: Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian

icon entertainment Card Information

Gaji Minimum Bulanan RM 3000
Min. age for principal holder 21
Fee for principal holder RM 150
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder RM75
Late payment charge RM5 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM50
Cash advance amount 25% dari had kredit
Cash advance charge RM20 atau 5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge 17.5% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada

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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!