Affin Bank has officially launched the Affin Duo, a Visa-Mastercard pair of credit cards that offer cashback and rewards points respectively on 28 August 2020
This thread will mainly discuss about these 2 cards (Affin Visa Cash Back Card) & (Affin Mastercard Rewards Card).



Website:
Affin Duo Official Website

Benefits:
3% Cash Back with AFFIN Visa Cash Back:
-e-Commerce / Online Transactions
-eWallet Reloads / Transactions
-Auto-Billing: AIA, Allianz, Tokio Marine, Great Eastern, Prudential, Hong Leong Assurance..
* Cash Back is limited to RM80 per month (equivalent to RM960 a year), excluding government services, charity transactions and JOMpay.

3X AFFIN Rewards Points with AFFIN Mastercard Rewards:
-Dining
-Groceries
-Petrol

Card Fees:
3 years annual fee waiver.
Annual fee for the subsequent year will be waived with minimum 12 times spend on retail
transactions in a year.

3% cash back will be rewarded on eWallets transaction/reload for the following eWallets:
• BigPay
• KiplePay / KiplePark
• ShopeePay
• Boost
• Lazada Wallet
• Mcash
• Touch ‘n Go Prepaid Card
• Gkash eWallet
• Touch ‘n Go eWallet
• GrabPay
• Setel
• Mpay- Not valid start from 15 November 2020
• Whalet- Not valid start from 15 November 2020
• Sarawak Pay- Not valid start from 15 November 2020
• Presto Pay- Not valid start from 21 April 2021
• WeChat Pay- Not valid start from 21 April 2021
• Instapay eWallet- Not valid start from 21 April 2021
• Razer Gold/Pay- Not valid start from 21 April 2021
• Instapay Card- Not valid start from 21 April 2021
• TaPay- Not valid start from 21 April 2021
• Fasspay- Not valid start from 21 April 2021


FAQ
Q1. Can I activate CASHBACK card only but not activate REWARDS card?
Yes. SST will be impose to the activated card only

Q2. Any SST waiver?
SST waiver will given to REWARDS card. The waiver is automatically once the REWARDS card has activated

Q3. Is insurance auto debit entitle for the cash back?
Yes

Q4. Why I received "FAILED TO RETRIEVED RECORD (.B01)" at the moment click the Request TAC for Affin Online First Time Login?
For the first time online user, you are required to fill up "Retails Internet Transaction Services" form at any Affin branch for the registeration, thumb print is required.

Q5. Why I couldn't see my cards info from my Affin Online after the registration?
Cards information will appear in the Online account 24-48 hours after the registration.

This post has been edited by alandhw: Apr 5 2021, 02:44 PM

Can we only apply for the Visa? What is the best way to apply for this card?

Is there any promotion for new to bank customers?

no, both cards come together.

apply from online? https://www.affinbank.com.my/Others/AFFIN-D...aspx?lang=en-US

NTB promo:

i hate "stand a chance to win" campaign lol

half year ago baru applied 2 cc from other bank, worry will kene reject if apply this, will wait for better campaign then only apply

Yeah, this kind of campaign isn't guaranteed for any prize/gift.

nice.. time to replace fcb

1)You will be issued with two (2) credit cards, same concept as maybank 2 cards
2)Not really at the moment. The best gift reported from the user was an Umbrella.
3)I am submitting the application via email to banker.

I like your explanation in (2).

for the 3% cashback capped rm80 per month, means equivalent to around rm2666 spending per month.. most probably could have ppl abuse it to reload to ewallet and withdraw to offset the spending.. typically tactic.. lol..

I am actually baffled why they include BigPay in the list given they have the feature to withdraw. Maybe they forsee BigPay removing the feature soon?

If one have existing cards and have been practising above, there's not much avenue for this card unless create more dupe e-wallet accounts.

RM 80 per wallet is attractive and addicted but I'll pass it.

Hope not or Affin may not be able to sustain the 3% and RM80 cap for long.

You'll know by in 2021 when interchange fee has to be reduced.

That’s why still wondering what is Affin’s playbook strategy. Just few months left to 2021.

why need to abuse?

it's a feature for both bigpay (withdrawal) and affinduo (plain b&w eligible for a range of ewalllets)

VS 3% @ RM80 still holding on strong, although limited to contactless for the time being -- this VS not good enough to replace Quantum Visa, but good as backup

Which method to apply the card is faster?

There are few way i saw,
1) download the application and submit it to email
2) fill up the online application form (but after fill up, nothing acknowledgment will give to u such as email acknowledgment)
3) directly go to ther nearer branch.


Any sifu here can advise?

We'll see. No worries.

Apply using eForm and wait for the bank to contact for documents

I filled up online form on last Friday and received call yesterday to collect biometric verification from me. Yesterday one Affin staff came and met me already. Result will know within a week.

Considering quite fast, only one working day.

for the sake of rm80 free money

My experienced with Affin gift was thumbler.
Has requested for Umbrella, but the sales banker just can offer thumbler

Umbrella more expensive than tumbler?

Umbrella is more practical. Haha
By the way, the given tumbler is those low quality one which turn as stor room collection.

I think they will regret allowing people to topup Ewallet, but let's see. Can topup Bigpay and Sarawakpay to get free money and then withdraw.

I got the sling bag when apply Affin VS card, applied in Mytown.

They had done their market research and analysis before coming down to that marketing details.

Topup ewallet that does not have withdrawal feature (i.e. TnG Boost Grabpay) is fine. Does not make business sense to allow ewallet like BigPay though.

Not everyone can play cash-out at SarawakPay.
You are different, you can spend actively but not most of the people in LYN (some already got banned)

Affin dont have to regret as they allow it for cashback calculation. it only impact their P&L, which already scoped into their business case when coming up with this Duo card. Else, they wouldn't so upfront in listing the ewallets out It's more of tactical approach to target ewallet spending.

payment cards are just the topup source (souce of funding) --> ewallets

majority of the work is on these ewallets providers because they need to keep maintaining and reporting the withdrawal activities.

Finally a thread for this. Will apply when i'm free. I think Affin is trying to get some market share in times of pandemic. They have always been the smallest of the players.

You got thumbs print?

Everyone has thumbprint.
Yes, done the biometrics part.

Bigpay credit card topup limit rm2500 only. Some already have more than 1 card.

Banks are better off rewarding their cardholders that consistently use their credit cards by way of cash back instead of campaigns that give out free mobile phones, cars or sometimes even houses. Banks like Citibank and HSBC have been throwing a lot of money too with their super generous sign-up offers that give out RM300 - RM500 free money. Banks should definitely re-look into their strategy on how to award their cardholders.

This post has been edited by MilesAndMore: Sep 2 2020, 11:10 AM

Need to state bumiputera status in application, and give consent to sell personal data to telemarketing?

Now we know why they can give RM80 to us. We are the product.

Ohh a good card to replace Maybank Barcelona.

But isn't this clause in most of the credit card application form? Might be wrong on this.

Maybe since they give us more money, the advertising is more aggressive than other cards. 🤔

I fill up last friday, no call till now. lolxxx

Me too. Maybe will walk in to mytown branch later to apply. Wonder if I can apply duo card and signature together.

What docs they require? I got a call today to pass the docs, but I have to receive any message regarding what docs to provide...

NRIC, 1 month salary slip and EPF for me

Just came back to KL branch submitted documents. This is what the sales exec told me

For Duo, annual fee waived for 3 years. SST waived for second card for first year. Meaning RM25 for both cards on first year.

For new to bank customer, RM 300 spending within 45 days will get RM 30.
Only one time per customer so if you apply both Duo and VS only can get RM 30 once.

He suggested me to collect card at branch as according to him courier will need signature..

I did thumbprint verification at branch and there will be second verification by call from card team.

The RM30 is not the guarantee cashback.
Is is referring to>> https://www.affinonline.com/AFFINONLINE/med...ampaign-ENG.pdf

Total RM49,500 throughout Campaign Period = 16500 users

Donno maybe wait longer time, got offer in other website

I was asked to bring NRIC only and on the spot used it to print EPF statement.

They didn't ask any documents from me. Just asked to bring my NRIC along.

This is good info. Will remember to claim the RM30

Yours more canggih, KL one

This post has been edited by Human Nature: Sep 2 2020, 02:25 PM

I was told RM 30 is only for the VS but good to know there will be SST rebate.

Oh so it's this one. Thanks.

Translated to 1650 new card member since May. Won't know if it's already depleted.

just now called CS request for BHP Affin card annual fee waiver...

condition of 12 times swipes fulfilled as mentioned by CS. She is putting up my request for waiver.

meanwhile my VS card being return to HQ, as im waiting someone in branch calling me to collect the card. CS put up request to send the VS card back to the branch again.

This morning sales called me din ask me to do biometric
Is it compulsory? Affin doesn’t have as many branches as other banks
Besides, I only gave my nric and ebe

What's the benefits BHP Affin and VS now?
PBB Quantum Visa 5% > VS 3%
BHP 10% counter n pump

Yes, but I didn't visit their branch. The sales person came to me, she came to my office area to get it from me.

SST RM25 will be charged to both card (RM50) or combined?

Applied VS like early Aug
Now got Duo, feel wan abandon VS. 🤭

RM25 each card

just done my thumb print for epf statement. the officer came to my office area. card will be delivered to office add.

ah then i will apply for ambank true card instead of this

For 1st year, SST will be waived for one card, n the other will be charged RM25.

submitted last friday (online and branch) but still no news

Any idea if i activate one card only and cut another card?

X50

Just did my thumb scan as well. The sales lady was kind enough to come to my house just to scan. No doc required also.

Expected result within 1-2 weeks.

Yikes so many procedures one ah. how la i'm based at a place with no branch

Maybe they make interstate visit to your place leh. Try apply see

does topup e-wallet count as retail transaction?

their staff just called me and will come to get my thumb print

This post has been edited by zinze36: Sep 2 2020, 05:13 PM

my place also no affin branch. The agent juz watsapp and ask me for the doc . Didnt ask for biometric hmm

I think for most of the applications, you can choose to opt-out during application. But for Affin bank - it's opt-in by default and you can't opt-out during application, and you can only opt-out later - by then your personal info probably has been sold to god know how many parties.

the biometric is for print out epf?
or for nric identify verification?

I think both kot. I don't care la, so long it works.

Oh there is a branch in my town?

Yup, in lower ground floor. Near Mcd I think. Just submitted my forms and see how many days they approve or reject my application. Hmm.

high traffic. Credit card department will penat, Officer angry because their work increases 300% haha

u can but not entitle for cashback RM30 and draw.

For getting the epf monthly contribution records, AND signing the application form.

still waiting for the application pending appear in CCRIS.

After application submitted. But yet to appear in my CCRIS.

Anyone can see the application appear in CCRIS? No idea how Affin works on credit card application

Think they won't angry but happier as sure got kpi and incentives.

Affin Bank, The Curve, MyTown, Boustead are all indirectly owned by Lembaga Tabung Angkatan Tentera.

not so soon. Even if your application approved also, CCRIS will be updated by next month.

This post has been edited by _kilakila_: Sep 2 2020, 06:47 PM

Affin will email or sms after approved?

Yes i think they will mostly sms to notify us. But i'm applying affin card the first time too, not sure what is their efficiency.
When did you submit your application? Usually takes 1-2 weeks for the result. So we only can wait patiently now

I contacted the telemarketer, then she said will come to me for biometric
according to her
if no biometric verification, affin will call for verification
she is submitting my application then tomorrow only come to me for biometric

Printed out the form and submitted all doc to a branch. How come they dont ask for thumb print? What is thumb print purpose?

my friend who went and submitted at branch also no need thumb print

both, need to scan twice for those reasons.

on the contrary, the sales lady told me it's their KPI to get as many customers as possible, some more ask me if i can recommend anyone else

If you’re located around the curve, suggest you can visit TTDI branch where I got the cards from there.

By the way, is anyone holding Visa Signature and applied Duo Cards ?? Is documents like payslip required ??

Would like to visit them on tomorrow 😁

for existing Affin cardholders, can use the Add Card form. minor things to fill up.

Thank you so much for your sharing.
So meaning no additional documents are required when visit them.

Alright then, will go and apply 😁

Actually I think the staff who get the documents will get referral commissions

Are they really bank staff? Not temporary agent?

can ask to send to house?

Before covid19 case i passby it quite frequent
It is open everyday including weekend.

With my recent experience, no computerize email, no computerize sms.
I called customer service to check the status.
By the way, banker has send SMS to informed


Most likely is for EPF statement printing.
I download the EPF statement online, so dint go thru the thumbprint process