How to Apply to AFFIN INVIKTA™ Visa Infinite Credit Card
The AFFIN INVIKTATM Visa Infinite credit card unlocks a world of exclusive privileges and rewards for discerning consumers. Offering unmatched golf, lounge, and travel benefits, this premier card grants luxury experiences worthy of elite lifestyles.
The AFFIN INVIKTATM Visa Infinite card is positioned at the apex of credit cards in Malaysia. As an invite-only card with a high annual income requirement, it signals prestige and status for cardholders.
Complimentary access to airport lounges, golf clubs, and bonus reward points on overseas spending allows cardholders to indulge in luxury privileges across the globe.
Benefits
The AFFIN INVIKTATM Visa Infinite credit card offers cardholders the following key benefits:
- Complimentary golf access at over 100 premium golf clubs in Malaysia, Singapore, Thailand, Indonesia, Vietnam, Cambodia and more
- Plaza Premium lounge access with 25% discount in Malaysia and 20% overseas
- 5X Rewards Points for overseas retail spending
- Annual fee waiver with minimum RM100,000 annual spend
- Exclusive Invitation to luxury events, hotel stays and shopping privileges
- Access to Visa Luxury Hotel Collection and premium travel services
- 1X Rewards Point for local retail spending
- 0% interest instalment plans for big purchases
Prerequisites
To be eligible for the AFFIN INVIKTATM Visa Infinite card, applicants must meet the following requirements:
- Minimum annual income of RM180,000
- Invitation by the bank
- Minimum age 21 years old for principal cardholder
- No history of bankruptcy
About AFFIN Bank
AFFIN Bank Berhad is a homegrown Malaysian bank with over 40 years of experience providing banking solutions. Part of the Affin Banking Group, AFFIN Bank serves over 1 million retail and business customers with its personal, Islamic, and business banking services.
As a forward-thinking bank, AFFIN actively adopts digital capabilities including online account opening and its AFFIN Online mobile banking app. The bank prides itself on customer experience, winning awards for its banking services, digital offerings, and work culture.
With global expertise and a focus on tailoring services for Malaysians, AFFIN Bank leverages the best of worldwide banking to deliver responsive solutions for local consumers and businesses.
AFFIN Bank maintains a strong community focus through its corporate social responsibility initiatives. This includes financial literacy programs to educate the public, youth skills development, environmental conservation efforts, and support for disadvantaged groups.
The bank embraces diversity and inclusion as a core philosophy. AFFIN seeks to provide an equitable workplace and equal opportunities for all employees regardless of gender, race, age or background. It has won awards recognizing it as a top employer for women.
As a trusted Malaysian brand, AFFIN Bank will continue enhancing its digital banking capabilities while remaining firmly grounded in the local context. With both global expertise and a community-centered approach, the bank aims to empower inclusive progress and prosperity for Malaysian individuals and businesses.
Who is this card for?
The AFFIN INVIKTATM Visa Infinite card is designed for high-net-worth individuals, executives, entrepreneurs, and professionals earning over RM180,000 annually. It suits those who wish to be recognized for their success and indulge in luxury experiences.
Ideal cardholders include:
- Business owners who frequently travel for work and desire airport lounge access
- High-powered executives and VIPs who play golf regularly and will enjoy complimentary access
- Frequent travelers who want to earn 5X rewards points on overseas spending for redemptions
- Affluent individuals who appreciate status symbols and wish to enjoy invite-only exclusivity
- Professionals who have achieved a high level of career success
- Individuals with an appreciation for premium lifestyle privileges and services
Step by step to apply for the card
Follow these steps to apply for the AFFIN INVIKTATM Visa Infinite Card:
- Visit the AFFIN Bank website and navigate to Credit Cards page.
- Click ‘Apply Now’ on the AFFIN INVIKTATM Visa Infinite card details page
- You will need to login or register for an AFFIN Online Banking account
- Complete the online credit card application form with your personal details
- Upload documents for income proof, identity verification and submit the application
- Successful applicants will receive an approval within 5 working days via email and SMS
- The physical AFFIN INVIKTATM Visa Infinite credit card will be couriered to your address
- Activate your card through AFFIN Online Banking or AFFIN Bank Mobile App (iOS, Android)
PRESS HERE TO APPLY THE AFFIN INVIKTATM VISA INFINITE CARD
Positives and negatives of the card
Pros:
- Prestigious card with luxury privileges including golf and lounge access
- Strong rewards point earnings rate on overseas spending
- Annual fee waiver provided minimum spend requirement is met
- 0% interest instalment plans available for big ticket purchases
Cons:
- High annual income requirement of RM180,000
- Relatively lower rewards rate for local spending at 1X
- Invite-only card so not easily accessible to general public
- Annual fee of RM800 applicable if spend requirement not met
- Interest charges for cash advances range from 15% to 18%
- Late payment penalty of 1% and finance charges apply
How to unlock the card?
Follow these steps once you receive your AFFIN INVIKTATM Visa Infinite credit card:
- Download the AFFIN Bank Mobile App on your smartphone (iOS or Android)
- Open the app and log in with your username and password for AFFIN Online Banking
- Under ‘Services’, choose ‘Activate/Unlock Debit Card’
- Enter your credit card details – 16-digit card number, expiry date, CVV number
- Create a 6-digit PIN of your choice for your credit card
- Accept the Terms & Conditions
- Your new PIN will be confirmed on screen
You can now start using your AFFIN INVIKTATM Visa Infinite card for purchases and transactions.
Fees and Tariffs
Here are the key fees and charges for the AFFIN INVIKTATM Visa Infinite card:
- Annual Fee: RM800 (waived for first year and subsequent years if min RM100,000 annual spend met)
- Interest Rate for Retail Transactions: 15% per annum
- Cash Advance Fee: 5% of withdrawal amount or RM15, whichever is higher
- Minimum Monthly Payment: 5% of outstanding balance
- Late Payment Fee: 1% of total outstanding balance or minimum RM10
- Overseas Transaction Fee: 1% of transaction amount
- Annual Fee on Supplementary Card: FREE
View full fees & charges on the website.
Customer Service
Contact AFFIN Bank for any inquiries or assistance regarding your AFFIN INVIKTATM Visa Infinite credit card:
- Phone: +603-8230 2222
- Email: [email protected]
- Website
- Mobile app: AFFIN Bank Mobile (iOS, Android)
PRESS HERE TO DOWNLOAD THE AFFINMAX APP ON IOS
PRESS HERE TO DOWNLOAD THE AFFINMAX APP ON ANDROID
Visit any AFFIN Bank branch nationwide for in-person support. Live chat is also available on the website and mobile app.
Discover other credit card options in our website, like the AFFIN AURA Visa Credit Card!
