AFFIN Duo+ Visa
3% contactless cashback for everyday spend
Apply for AFFIN Duo+ Visa →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Affin Bank AFFIN Duo+ Visa overview
The Affin Bank AFFIN Duo+ Visa is a Classic-tier Visa cashback card built around cashback. 3% contactless cashback for everyday spend. It best suits middle-income earners, with a minimum income requirement of RM48,000 a year. It has an annual fee of RM100 (free 3 years; then 12 swipes/year).
Features & benefits
- ✓3% cashback on contactless transactions
- ✓Pairs with the Duo+ Mastercard rewards card
- ✓Low RM48,000/yr income entry
Is the AFFIN Duo+ Visa worth it?
The AFFIN Duo+ Visa is best suited to middle-income earners — its minimum income requirement is RM48,000 a year (about RM4,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Annual fee waivable (free 3 years; then 12 swipes/year)
- +Up to 3% cashback on contactless
- −RM100 annual fee unless the waiver condition is met
- −Cashback capped at RM100 a month
- −Top cashback applies only to specific categories (contactless)
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
The top rate rewards one main category — great only if that fits your spending. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — Affin Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read Affin Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official AFFIN Duo+ Visaterms & product disclosure →AFFIN Duo+ Visa FAQ
You need a minimum annual income of RM48,000 (about RM4,000 a month). Affin Bank also considers your overall credit standing.
The annual fee is RM100, but it can be waived: free 3 years; then 12 swipes/year.
It earns up to 3% cashback on contactless, capped at RM100 a month. 3% contactless cashback for everyday spend.
No — the AFFIN Duo+ Visa is a conventional credit card. Check with Affin Bank for any Islamic (card-i) equivalent.
It's a good fit for middle-income earners who want cashback — its main draw is "3% contactless cashback for everyday spend". Weigh the RM100 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the AFFIN Duo+ Visa compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Affin Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Affin Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.