AFFIN INVIKTA Visa Infinite

AFFIN Bank

Annual Income

RM 120,000

Annual Fee (Main)

RM 500 [waive with 12 swipes annually] Premier Customer Free for Life

Annual Fee (Sup)

RM 400 [waive with 12 swipes annually] Premier Customer Free for Life

Basic Info

Spending Criteria

Lounge Access

Mileage Partners

Official Website Link

5X AFFIN Rewards for Overseas.

1X AFFIN Rewards Points for local transactions
*Excluding charity, government, utilities, e wallet and petrol transactions.

Expenditure

Multiplier

Shopping

Transport

Pharmacy

Petrol

Not Applicable

Utilities

Not Applicable

Insurance

Groceries

Entertainment

Dining

E wallet

Not Applicable

Education

Online e-commerce

Oversea

Hotel

Airlines

Duty Free

Not a Cash Back Card

Expenditure

Cash Back (Cap)

Shopping

Not Applicable

Transport

Not Applicable

Pharmacy

Not Applicable

Petrol

Not Applicable

Utilities

Not Applicable

Insurance

Not Applicable

Groceries

Not Applicable

Entertainment

Not Applicable

Dining

Not Applicable

E wallet

Not Applicable

Education

Not Applicable

Online e-commerce

Not Applicable

Oversea

Not Applicable

Hotel

Not Applicable

Airlines

Not Applicable

Duty Free

Not Applicable

TOTAL

Not Applicable

Airlines

1,000 Partner Miles

Malaysia Airlines

8,000

AirAsia

8,000

Singapore Airlines

Not Applicable

Cathay Pacific

Not Applicable

Air France

Not Applicable

EVA Air

Not Applicable

British Airways

Not Applicable

Etihad Airways

Not Applicable

Turkish Airlines

Not Applicable

Qatar Airways

Not Applicable

Emirates

Not Applicable

Japan Airlines

Not Applicable

Qantas Airways

Not Applicable

Vietnam Airlines

Not Applicable

Thai Airways

Not Applicable

United Airlines

Not Applicable

Hainan Airlines

Not Applicable

Delta Airlines

Not Applicable

Batik Air

Not Applicable

Please refer to the table below:

Full-service carrier (FSC)

Oneworld members:

Malaysia Airlines, Cathay Pacific, British Airways, Qatar Airways, Japan Airlines and Qantas

Star Alliance members:

Singapore Airlines, EVA Air, Thai Airways, Turkish Airlines and United Airlines

SkyTeam members:

Air France, Delta Airlines, Vietnam Airlines

No alliance:

Etihad, Erimates and Hainan Airlines.

Low-cost carrier (LCC)

AirAsia and Batik Air

Balance Transfer

Balance Transfer Plan – It is a feature that allows you to move debt from one or more existing credit cards or loans to a new credit card, typically with a lower or promotional interest rate.
Loan on Card Plan – It is a feature that allows a cardholder to convert their available credit limit into cash, which they can then repay in fixed monthly installments over a set period, often with a specific interest rate.
Installment Plan – It is an easy payment plan breaks down a large purchase into manageable monthly installments, making it easier to afford expensive items over time.
Periodically, certain banks may offer promotional campaigns with highly competitive interest rates. We recommend checking the credit card services page of each bank for the latest offers.

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

2% / 0%

1,000

Not Applicable

4% / 0%

1,000

Not Applicable

6% / 0%

2,000

Not Applicable

The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the balance transfer plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the balance transfer accrues interest at 9.88% per annum.

Loan on Card

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

2.2% / 0%

2,000

Not Applicable

4.2% / 0%

2,000

Not Applicable

7.4% / 0%

2,000

Not Applicable

The name of this service differs across banks. For example, Maybank refers to it as EzyCash, AmBank as QuickCash, Hong Leong Bank as Call for Cash Plus, CIMB as CashLite, and RHB Bank as CashXcess, among others.
The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the Loan on Card plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the Loan on Card Plan accrues interest at 9.88% per annum.

Installment Plan

Tenure / month

Interest Rate

Min Amount / RM

Not Applicable

2% / 0%

500

Not Applicable

4% / 0%

1,000

Not Applicable

6% / 0%

2,000

Not Applicable

0% Easy Pay
- Only applies at selected partner merchants that have a collaboration with the bank.
- The bank absorbs the cost (or shares it with the merchant), so the customer enjoys true 0% interest.
- Tenure can be quite long (up to 36 months), but strictly limited to purchases at those merchants.
Flexi Payment Plan (FPP)
- Can be applied to any retail purchase (not limited to partner merchants).
- Since it’s not subsidized by a merchant, the bank charges an interest rate (e.g., 9.88% p.a. or similar).
- Gives flexibility but at a cost.

Extra Information

Premium Plaza Lounge List

12 complimentary accesses to Premium Plaza Lounge located in Malaysia and at selected countries around the world. Principal Cardholder with minimum retail spend of RM 3,000 in the latest credit card/-i statement or RM 100,000 retail spend in a calendar year

Element

Info

FD Pledge

Not Applicable

FD Pledge Amount

Not Applicable

Min Credit Limit

Not Applicable

PPL Access (Main)

PPL Access (Sup)

Not Applicable

PPL Spending Requirement

RM 3,000

PPL T&C

TCL Access (Main)

Not Applicable

TCL Access (Sup)

Not Applicable

TCL T&C

Travel Insurance

Not Applicable

Travel Insurance Max Coverage

Not Applicable

Travel Insurance T&C

Golf

2X monthly

Golf T&C

Oversea FX Rate

Last Update

17 Aug 2025