How to Apply to AFFIN AURA Visa Credit Card

Anyone seeking a credit card that offers flexibility with benefits can try the Affin Aura Credit Card. It is a great way to earn as you spend.

Por: vinicius em dezembro 6, 2023

The AFFIN Aura Credit Card enables cardholders to maximize rewards and convenience with contactless payments, minimal interest rates, and strong insurance protections.

AFFIN Bank’s newest credit card innovation, Aura combines digital technology and smart banking benefits into one card. Aura makes earning rewards simple while providing payment flexibility and peace of mind that your purchases are protected. Keep reading to learn more about how Aura can simplify your daily spending.

Benefits

1X Reward Point per RM1 spent on all transactions
Contactless payment capability
Low minimum interest rate of 8%
0% Installment Payment Plans
Mobile wallet protection
Smart card protection
Travel and shopping protections

With competitive interest rates, strong earnings on daily spend, and insurance coverage, Aura gives cardholders an optimal balance of rewards, convenience, flexibility, and protection.

Prerequisites

To apply for the AFFIN Aura Credit Card, applicants must meet the following criteria:

Minimum annual income of RM24,000
Good credit history
For new customers, minimum 6 months with AFFIN Bank

Meeting these requirements helps ensure you can take advantage of all the features and benefits Aura offers.

About AFFIN Bank

Who is this card for?

The AFFIN Aura Credit Card is an excellent choice for savvy consumers who want to maximize rewards and convenience in their daily spending. Specifically, it’s a great fit for:

Frequent shoppers: with 1X Reward Point per RM1 spent, you can rack up points on all your purchases to redeem for cashback or airline miles.
Digital adopters: the contactless payment capability and mobile wallet integration makes Aura ideal for those who embrace digital banking and payments.
Occasional travelers: Aura cardholders are protected with smart travel insurance on trips where air tickets are charged to the card.
Applicants with average credit: Aura requires more reasonable income and credit qualifications compared to premium cards.

Overall, Aura is optimized for Malaysian consumers who desire an all-around card for simplified spending, rewards earnings, and financing.

How to Apply

Applying for the AFFIN Aura Credit Card is quick and easy:

Visit AFFIN Bank’s card application website.
Click “Apply Now” and complete the online application form. Be sure to have your IC and income details ready.
Submit your application digitally for instant verification and processing.
If approved, your new card will arrive within 7 working days. Activate it via phone immediately.
Register for online/mobile banking to access the full suite of Aura’s digital capabilities.
Download the AFFIN Bank mobile app

With AFFIN’s streamlined digital application process, you could be approved to start enjoying everything Aura has to offer in just minutes.

PRESS HERE TO APPLY THE AFFIN AURA CREDIT CARD

Positives and Negatives

Pros:

Contactless payments for speed and convenience
Strong earnings rate of 1X Point per RM1 spent
Low 8% base interest rate
Installment payment options for flexibility
Extensive protections and insurance

Cons:

Income requirement of only RM24K may be low for some
Must bank with AFFIN for 6 months before applying as a new customer
High late payment penalty interest rate of 18%
Annual fee of RM199 after first year

While Aura has many advantages for rewards and everyday spending, the card does come with some limitations to be aware of like installment eligibility periods and below average credit limits. Evaluate your finances to ensure Aura aligns with your needs.

How to Unlock the Card

Activating your new AFFIN Aura Card is a quick and easy process:

Wait for your card to arrive in the mail within 5-7 business days after approval.
Call the AFFIN Credit Card Activation Hotline at 03-5516 9988. This automated system is available 24/7.
Enter in your IC number and the last 4 digits of your new card number as prompted.
Next, set your PIN number by choosing a 4-digit code. This will be your PIN for ATM cash withdrawals.
The system will then activate your card for immediate use. Confirm activation by checking for an activation sticker on the front of your Aura card.
Register for AFFIN Online Banking and download the mobile app to fully utilize Aura’s digital features.

Be sure to sign your card immediately for security. Now you can start tapping and paying digitally with your contactless Aura Card anywhere Visa is accepted. Activate your card as soon as possible to unlock all the rewards and benefits of being an Aura cardholder!

Fees & Charges

Here are the key rates, fees and charges to understand for the AFFIN Aura Credit Card:

Annual Fee: RM199 (waived for first year)
Interest Rate: 8% per annum (can range from 8% to 18% based on repayment history)
Late Payment Fee: Minimum RM10 or 1% of total outstanding balance, whichever is higher
Cash Withdrawal Fee: 5% of withdrawal amount or RM15, whichever is higher
Balance Transfer Fee: Up to 1% of amount transferred
Card Replacement Fee: RM50 for each replacement

Understand the card’s interest, fees and charges to avoid surprises. Setup autopay or make manual payments by due date to prevent late fees.

Customer Service

If you have any questions about your AFFIN Aura Credit Card, contact customer service through the following channels:

Phone: +603-8230 2222
Email: [email protected]
Website
Visit any AFFIN Bank branch location
Online/Mobile Banking: iOS

PRESS HERE TO DOWNLOAD THE AFFINMAX MOBILE APP ON IOS
PRESS HERE TO DOWNLOAD THE AFFINMAX MOBILE APP ON ANDROID

AFFIN’s customer service team is available to assist via phone, email, social media, and in-person at branches. Be sure to contact the bank directly for any account support needs.

Discover other credit card options in our website, like the AFFIN INVIKTA™ Visa Infinite Credit Card!

How to Apply to AFFIN INVIKTA™ Visa Infinite Credit Card