Hi sifu,

Maybe this question being asked many times here already but i can't find anyone talk about it.

If i apply Affin duo cards, can i just keep the visa and cancel the mastercard?

Thank you.

cannot

use the [Search] function below EACH topic page, you'd find this question has been asked numerous times




also, did you read the card's T&C from AffinAlways website?

Thanks sifu!

Now i know how to use the search function.

Will use search function before i ask question in future.

Very helpful info.

I looking for affin duo+ and just applied duo+ together with duo through pledge conventional FD for RM10000 last month.

At that time I though 2 pairs cc can pledge in 1 FD, the banker didn't confirm with management and just help me submit. Now approved affin duo only ..

They gv me suggestion pledge islamic FD but need RM12000 for duo+. So total is RM22000 for 2 pairs cc...

I just curious that the amount would be that high for both pairs cc?

High is good for Affin.
Affin cashback use statement balance.

You can apply BT for affin duo to reduce amount of spending.

Eg 10000 limit for duo

use 7500 for BT 12m 0% , 625 per month

So you need
1000 e-wallet
667 online
758 other spending --> your balance 2500 credit limit is used here

(+) 625 BT = statement balance of 3050 , to get 50 CB per month

This post has been edited by Haloperidol: Apr 10 2024, 07:29 PM

hmm.. I never try use BT b4. It look like abit risky for me since I got other cc need to manage. Afraid lack of control and miscalculation 😅

These r what I planning:
1000 ewallet
354 insurance auto debit
70 TNB
the balance 1626 I will topup ewallet again coz I got other better CB cc for online spending.

So I only can earn rm42++ monthly unless my other cc online CB fully utilise then I will use affin duo balance 243

This post has been edited by kem3399: Apr 10 2024, 11:00 PM

Have u factored in the diff of returns of fd with say ASM, n cost of SST?
Let say diff is 2%, x rm10k, rm200.
SSTx2 rm50.
Total rm250, or rm21/month, half of rm42 cb gone.

Sry I haven't do research for other return yet 😅

I hv no choice coz this is the fastest way to get 2 credit cards in short period. My income not that high plus I just get cc in January so the chance to get approve for new cc application very low.

i got late penalty charge.

i call AFFIN to waive/appeal .

1st time was back in 2022.
the recent was 11Mar2024

CS told me , AFFIN can only grant one time waiver.
for the 2nd time, its still pending appealing .
i ask when can know --- CS also dunno .

don't bother. won't get 2nd time. they can see it on the system immediately.

wait for rejection email within a week.

how u know ?
RM22 penalty fee is alot

and late payment will smear CTOS/CRIS record.

have not encountered cc pledged with fd
but i think it's associated with the credit limit available
so perhaps request for lower credit limit?
could utilise the new-to-bank promotion, cash-on-call

it is strange though that they asked u to pledge FD in Affin Islamic for Duo+
i know there are Duo & Duo-i, but don't know if there is a Duo+-i

i m sorry, y do u need duo+ then?
maximising RM 50 cash back is not essential, RM 30 should do fine
however, BT/cash-on-call would be helpful to hit the statement balance
BT is deferring/prepaying/consolidating the payment of other credit cards amount, so u just focus on one account
BUT make sure that u r comfortable with the instalment amount

y do u need to get 2 credit cards in short period?

because I got hit 2nd time late payment penalty.

they strictly won't grant 2nd time waiver and easily they can tell me when they granted previously.



This post has been edited by cybpsych: Apr 12 2024, 12:17 PM

affin is very strict on the late penalty... some bank won't charge if it is 1 or 2 days late.

all others bank grant waivers.

except AFFIN ......
for the sake for RM50 CB monthly ---

kalau lambat then pay penalty lo

they already grant 1st time waiver as goodwill and reminder.

they can choose NOT to give at all and enforce t&c explicitly too.

it's our duty to repay on time, every time. I don't blame them but myself for missing payment 2nd time.

Maybe 1 ppl cannot apply for 2 same FD? They only hv 1 conventional n 1 islamic FD..

Now still pending approval for Duo+. But it already listed in my affin app show affin visa cashback n affin mastercard reword, both with card number.

I need use Duo+ for other categories spending especially clinic n groceries. Total about 1000 + - every month.

Just read affin BT tnc, maybe will try use it next time coz i plan to buy new phone in this yr.

if primarily 1k+ is more on Groceries, can try Maybank Ikhwan Mastercard (5% capped RM50 per month, Fridays & Saturdays only). worth more than Duo+'s 3% contactless only.

if clinic spend is low/sporadic spend, then skip duo+ and use GXBank debit card 1% cb (no cap) instead. easier to manage.