AFFIN World Mastercard
3x overseas points + RM1m travel insurance
Apply for AFFIN World Mastercard →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
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 upper-middle-income earners, with a minimum income requirement of RM80,000 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 upper-middle-income earners — its minimum income requirement is RM80,000 a year (about RM6,667 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 — RM80k 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 World Mastercard, 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.
- Foreign transaction fee
- Mastercard 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 1st year. Subsequent-year RM500 fee waiver is tied to RM48,000/yr cumulative spend and 12 retail transactions/yr per AFFIN's official Fees and Charges schedule — the document doesn't specify whether the two conditions apply jointly or either alone.
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 World Mastercardterms & product disclosure →AFFIN World Mastercard FAQ
You need a minimum annual income of RM80,000 (about RM6,667 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 upper-middle-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.