Any updates?

And btw I am new Affin Duo cardholder, just applied through this switch campaign. https://www.affinalways.com/en/promotions/S...TYmcmVjPTc4MQ==

I have read the t&c but quite vague. To qualify for the lifetime annual fee waiver, do I need to perform 3 retail transaction for one card only OR both cards (which means 3 transactions each)?

I did see that, but referring to the left box, I assumed 'each eligible card' refer to the 4 cards mentioned.

I am asking because now I only activated visa card. If each need to do 3x, then i activate the mastercard.
From the affin website, it seems like both visa and mastercard have their own separate annual fee? If so, then bobian.

Yes, so meaning do 3x transaction each card for both cards lifetime af waiver and free 10k points for mastercard.

Does anyone know why Affin Bank is still using OTP for transaction approval when they have the affinsecure? This is for my case, not sure if everyone is facing this as well.

hi all, does anyone know how to check MSIC code for transaction. Suspect some transaction not eligible.

I spend 3050 above for affin duo cashback card every month, but getting not even rm30 cashback, instead of rm50. Feel scammed by this bank.

Facing same issue with uob card as well.

I pay after statement generated, definitely not immediately. It says my PREVIOUS BALANCE is 3067, and my NEW BALANCE is 3035 after cashback.
But the cashback I get is rm25 only.

For cashback, is it only ELIGIBLE transaction count towards the total minimum retail spend? Like If I spend 3050, but one transaction RM100 not eligible. Then I fail to hit above rm3k, become 2.9k, is this how it works? Hence, not entitled to Rm50 cashback.

This post has been edited by xkaizoku: Oct 17 2025, 10:25 PM

I see, thanks for your info. I think I realized what is going on. Some transactions are for in-store purchases after reading my statement again. Dumb dumb me.

This post has been edited by xkaizoku: Oct 17 2025, 10:34 PM