AFFIN DUO Visa Cash Back
Affin Bank consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,000.00
- Minimum annual income
- RM24,000.00
- Qualifying spend
- RM3,000 PREVIOUS statement balance for higher cap
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM75.00
- Fee waiver
- First three years waived; thereafter 12 retail transactions per card per year. Each physical card RM75 if not waived.
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Higher combined cashback cap depends on previous statement balance. DUO is a two-card package and both cards’ SST is counted.
- Current issuer product page and credit-card PDS checked. Generic T&C currently served is future-dated 16 November 2026, after this check; current product page corroborates the reward rules and is used instead.
- 3% eligible online, auto-billing and e-wallet. Combined cap RM50/month for previous statement balance >=RM3,000, otherwise RM30; e-wallet RM30 subcap within combined total. Two-card package: RM75 annual fee per card if unwaived and RM25 SST per card.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| E-Commerce/Online Spending | 3% | RM3,000.00+ | RM50.00 |
| E-Wallet Reloads/Transactions | 3% | RM3,000.00+ | RM30.00 |
| Auto-Billing | 3% | RM3,000.00+ | RM50.00 |
| E-Commerce/Online Spending | 3% | RM1.00–RM2,999.00 | RM30.00 |
| E-Wallet Reloads/Transactions | 3% | RM1.00–RM2,999.00 | RM30.00 |
| Auto-Billing | 3% | RM1.00–RM2,999.00 | RM30.00 |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.