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..

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

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?

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...

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.

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.

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

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

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

Are they really bank staff? Not temporary agent?

can ask to send to house?

Not kiasu. It proves that they're doing their job.

Later, if late or slow put into CCRIS, then being complained why not yet appear in CCRIS etc

For the new to bank customer, don't forget to fill up "Retail Internet Transaction Services" form. Else, you wont be able to have the online banking access.

I got it from the banker but only after i received the card. it was passed experience.
To save the hassle, may request the banker to provide the form in advance so you can submit it together with your credit card application.

Damn. Application unsuccessful. Sad.

Do you have eCCRIS? Mind to check where the location approve yours application?

Mine was not AFFIN HQ address. Is the AFFIN Branch location nearby. So I believe it is process/reject/approve by AFFIN branch instead of HQ.

May I just ask for the CCRIS report, can I apply it online (I found the documents needed to fill up and send) or I still have to go to BNM or AKPK to sign up? If I do online apply, does it mean that's the only a time off/report to be sent to me?

May i know for insurance payment this card have cash back or not?

Affin is one of the bank that can gives reason for rejection. Very good. Even Maybank hen reject they cant check the reason.

My reason is high utilisation of credit limit as at Jul. Staff advise to make it as low as possible on 30/9 and reapply. Income side is ok. Most of my CC reached the maximum utilisation on July.

And you can reapply again instantly eventho get rejected - unlike Hong Leong, only 6 months after reject can apply.

For the new to bank customer, don't forget to fill up "Retail Internet Transaction Services" form. Else, you wont be able to have the online banking access.