AFFIN Invikta Visa Infinite
12x lounge visits/year + 5x overseas points
Apply for AFFIN Invikta Visa Infinite →Last updated 6 November 2026 · Reviewed by Raymond, Rates.my
AFFIN Invikta Visa Infinite overview
The Affin Bank AFFIN Invikta Visa Infinite is a Infinite-tier Visa points card built around rewards points. 12x lounge visits/year + 5x overseas points. It best suits high-income earners, with a minimum income requirement of RM150,000 a year. It has an annual fee of RM500 (free 1st year; then rm100,000/yr spend or 12 transactions/yr (waived for life for affin premier wealth banking clients)). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓12 Plaza Premium lounge visits/year (+ discounted guest access)
- ✓5x reward points overseas + air-miles conversion
- ✓Unlimited golf green fees in SEA (min RM5,000/statement or RM100,000/yr spend)
- ✓RM150,000 min income; free for life for AFFIN Premier Wealth banking clients
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 RM150,000 a year (about RM12,500 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (free 1st year; then rm100,000/yr spend or 12 transactions/yr (waived for life for affin premier wealth banking clients))
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM500 annual fee unless the waiver condition is met
- −Higher income requirement — RM150k 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
The catches most people miss on the AFFIN Invikta Visa Infinite, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- AFFIN Rewards Points exclude charity, government and petrol transactions (per the card's own product page).
- How the cap works
- 12 complimentary Plaza Premium Lounge visits/calendar year requires min RM3,000 spend in the latest statement OR RM100,000 retail spend in the calendar year; complimentary (unlimited) golf green fees require min RM5,000 in the latest statement OR the same RM100,000/yr threshold.
- 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).
Verified 13 October 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 Invikta Visa Infiniteterms & product disclosure →AFFIN Invikta Visa Infinite FAQ
You need a minimum annual income of RM150,000 (about RM12,500 a month). Affin Bank also considers your overall credit standing.
The annual fee is RM500, but it can be waived: free 1st year; then rm100,000/yr spend or 12 transactions/yr (waived for life for affin premier wealth banking clients).
It earns 1 reward point per RM1 spent. 12x lounge visits/year + 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 "12x lounge visits/year + 5x overseas points". Weigh the RM500 annual fee against how much you'll earn back. 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.