af is charging forward

to qualify waiver, you must spend before af is charged

that is, you must do something to trigger something

read Post #7833

try next day, rinse and repeat

most ppl not aware of this.... affin already announced 2 times before...

excuses because you didnt bother to check the website, call CS to find out, search this forum, etc.

back in Nov 2023, u also asked the same question.

what did you do since then?

apologies, misread the previous post

This post has been edited by cybpsych: Jan 1 2025, 05:22 PM

my apologies.

about the profile inactive, give affin CS a call. only they can check and do something about your affin internet banking profile.

also try login from desktop/web internet banking. see if can login or observe any specific error msg.

Promotion 1

Promotional Rates: 12 months @ 0% upfront interest/profit rate (min. RM2,000)​
Eligibility: New Cardmember only
Promotion Period: From now until 31 December 2025


Promotion 2

Promotional Rates: 12 months @ 0% upfront interest/profit rate (min. RM2,000)​
Eligibility: Existing Cardmember only
Promotion Period: From now until 30 June 2025

affin website, cards page

below the page are some card-related services:

Balance Transfer Instalment Plan (BTiP)
Fixed Payment Plan (FPP)
Cash-on-Call Instalment Plan (CIP)
Easy Payment Plan (EPP)

yes you can reapply

whether approved or not, that's a gamble u gotta make.

logically, banks shouldn't approve you

logically, do u think myjpj is a government service app or not?

yes, because it only check previous statement balance, NOT what's inside them (line item)

try find here https://www.affinalways.com/en/promotions

show your full statement details (redact private info) including the 1st lline (Your Previous Balance)

what's the full description of the nirvana autodebit?

also ask them the mcc and your card type


fyi, there was announcement for islamic card... whether relevant to your case or not, ask affin to reconfirm

long time ago lor





unfortunately, NO.

tried to apply before. you'll get rejected

This post has been edited by cybpsych: Apr 18 2025, 03:49 PM

dont expect announcement == effective

anyhow, since your card conventional, it could be other reason. let bank check and revert.

diff bank may do differently

you can try contactless first, see if it goes thru

else, just purposely spend very small-ish amount with pin (eg pump petrol tiny bit/cancel immediately, snacks at 7E )

MOTO transactions

if initial payment done from online, then can be setup as recurring payment (system)

usually nirvana payment is done at their site office; they manual process the payment as MOTO and setup manual standing instruction.

2 possibilities...

1. maybe system loophole. moto was excluded in t&c from 2021 Apr. prior to that, moto not excluded (not stated in t&c). loophole means system didnt count/identify moto txn, eventhough already covered by t&c.

we've seem many banks/cards occasionally got this "delayed' enforcement until someone internally wakes up and plug the loophole.

anyone else with recurring with other merchants also faced this?


2. maybe nirvana probably changed processing method few months ago. maybe previous recurring was running fine until something screwed up at their payment partner... or nirvana decided to change it ... who knows....



no point arguing the past. not enough sample size to hypothesize the events .... just move on.