AFFIN Invikta Visa Infinite
Unlimited lounge access + 5x overseas points
Apply for AFFIN Invikta Visa Infinite →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Affin Bank AFFIN Invikta Visa Infinite overview
The Affin Bank AFFIN Invikta Visa Infinite is a Infinite-tier Visa points card built around rewards points. Unlimited lounge access + 5x overseas points. It best suits high-income earners, with a minimum income requirement of RM180,000 a year. It carries no annual fee. Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓Unlimited Plaza Premium lounge (local + overseas)
- ✓5x reward points overseas + air-miles conversion
- ✓Unlimited golf green fees in SEA + relationship manager
- ✓By invitation / premier banking
Is the AFFIN Invikta Visa Infinite worth it?
The AFFIN Invikta Visa Infinite is best suited to high-income earners — its minimum income requirement is RM180,000 a year (about RM15,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −Higher income requirement — RM180k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
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 Invikta Visa Infiniteterms & product disclosure →AFFIN Invikta Visa Infinite FAQ
You need a minimum annual income of RM180,000 (about RM15,000 a month). Affin Bank also considers your overall credit standing.
No — the AFFIN Invikta Visa Infinite is free for life with no annual fee.
It earns 1 reward point per RM1 spent. Unlimited lounge access + 5x overseas points.
No — the AFFIN Invikta Visa Infinite is a conventional credit card. Check with Affin Bank for any Islamic (card-i) equivalent.
It's a good fit for high-income earners who want rewards points — its main draw is "Unlimited lounge access + 5x overseas points". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the AFFIN Invikta Visa Infinite compares
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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.