AFFIN World Mastercard
3x overseas points + RM1m travel insurance
Apply for AFFIN World Mastercard →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Affin Bank AFFIN World Mastercard overview
The Affin Bank AFFIN World Mastercard is a World-tier Mastercard points card built around rewards points. 3x overseas points + RM1m travel insurance. It best suits high-income earners, with a minimum income requirement of RM120,000 a year. It has an annual fee of RM500 (free 1st year). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓3x reward points overseas (1x local)
- ✓6 Plaza Premium lounge visits/year
- ✓Up to RM1m travel insurance + golf & dining privileges
Is the AFFIN World Mastercard worth it?
The AFFIN World Mastercard is best suited to high-income earners — its minimum income requirement is RM120,000 a year (about RM10,000 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)
- +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 — RM120k 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 World Mastercardterms & product disclosure →AFFIN World Mastercard FAQ
You need a minimum annual income of RM120,000 (about RM10,000 a month). Affin Bank also considers your overall credit standing.
The annual fee is RM500, but it can be waived: free 1st year.
It earns 1 reward point per RM1 spent. 3x overseas points + RM1m travel insurance.
No — the AFFIN World Mastercard 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 "3x overseas points + RM1m travel insurance". 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 World Mastercard 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.