AFFIN Duo+ Visa
3% contactless cashback for everyday spend
Apply for AFFIN Duo+ Visa →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
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
The catches most people miss on the AFFIN Duo+ Visa, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- 3% contactless cashback excludes government services and charity transactions.
- How the cap works
- Cashback capped at RM100/month if the cardholder's previous statement balance was RM8,000 or above, or RM50/month if below RM8,000 — a tiered cap, not a flat RM100.
- Foreign transaction fee
- Visa International's own exchange rate plus a 1% foreign exchange spread (per AFFIN's general conventional-card Fees and Charges schedule, which names this card).
- Fee waiver
- Free for the first 3 years; thereafter waived automatically with a minimum 12 retail transactions/year (per the official Fees and Charges schedule, which lists no minimum cumulative spend for this card's waiver, unlike the World Mastercard above).
Verified 26 August 2026. Summarised in our own words from Affin Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 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.