AFFIN 0% Balance Transfer Saves RM1,088; Fee Waiver Ends 31 October
AFFIN's credit card campaign: 0% balance transfer, lifetime fee waiver, and free cinema tickets, with deadlines from 31 October to 31 December 2026.
What happened1/6 AFFIN runs five credit card offers; two close in ten days
AFFIN Bank is running a multi-offer credit card campaign. The headline number: a 0% balance transfer for 12 months saves about RM1,088.51 in interest on a RM10,000 balance compared to staying at 18% p.a.
The lifetime annual fee waiver and the Buy 1 Free 1 cinema tickets at GSC and TGV both close on 31 October 2026. The balance transfer and the 0% Cash On Call run to 31 December 2026.
The real numbers2/6 The campaign at a glance
RM1,088.51interest saved on RM10,000 at 0% vs 18%31 Oct 2026fee waiver and cinema deadlineRM2,000minimum balance transfer amountThe 0% balance transfer is one-time per customer with a minimum of RM2,000. The standard 12-month BT plan sits at a 1.5% one-time upfront rate. Interest on outstanding balances is 15% to 18% p.a., tiered by repayment behaviour.
Offer Key term Deadline 0% Balance Transfer Min RM2,000, one-time, 12 months 31 Dec 2026 Lifetime fee waiver No annual fee 31 Oct 2026 Cinema B1F1 (GSC/TGV) Fri/Sat, online only, 100/day 31 Oct 2026 0% Cash On Call New customers only, 6 months 31 Dec 2026 Kenangan Coffee B1F1 Thu, min RM20, cap RM10 26 Nov 2026 
Photo: Photo: CC0 via Openverse How it affects your wallet3/6 What the offers are worth in ringgit
e.g. On a RM10,000 balance, the 0% transfer saves about RM1,088.51 in interest over 12 months versus paying 18% p.a. The lifetime fee waiver removes a charge that typically runs RM150 to RM250 a year on mid-tier cards.
The cinema offer gives one free ticket per cardholder per day on Fridays and Saturdays, capped at 100 tickets per cinema per day and 5,000 per cinema for the whole campaign. e.g. At about RM20 a ticket, one free movie a week works out to roughly RM1,040 a year if the offer is renewed.
Why it matters4/6 The condition that rules out existing cardholders
The 0% Cash On Call (6-month tenure) is for new-to-bank customers only. If you already hold an AFFIN credit card, you can still use Cash On Call, but at a one-time upfront charge of about 6%, or a flat 7.4% p.a. over 24 months.
The 3% cashback cap is RM100 per month only if the previous month's balance was RM8,000 or more. Below that, the cap is RM50. The 0% Easy Payment Plan splits a purchase into 3 to 60 months at zero interest at more than 5,000 partner merchants.
- 01/02
RM1,088.51 interest saved on RM10,000 at 0% vs 18% The campaign at a glance interest saved on RM10,000 at 0% vs 18%
What to do, step by step5/6 How to apply before the deadlines
- Check your minimum income: entry-level AFFIN cards start at RM24,000 a year; INVIKTA Visa Infinite requires RM150,000 a year. Principal cardholder must be 21 and above.
- Apply by 31 October 2026 to lock in the lifetime annual fee waiver and the GSC/TGV cinema offer.
- For the 0% balance transfer (ends 31 December 2026), confirm your current bank's early settlement fee before moving a balance of at least RM2,000.
- For the 0% Cash On Call, confirm you are a new-to-bank customer. Minimum draw is RM2,000, up to 90% of credit limit, subject to approval.
- For cinema tickets, book online via the GSC or TGV app or website on Fridays or Saturdays only. Excluded GSC locations: Aurum Theatre at The Exchange TRX, The Gardens Mall, The Mall Mid Valley Southkey JB, and Velvet Cinema at Sunway 163 Mall.
What to watch6/6 Three deadlines to mark
31 October 2026: lifetime annual fee waiver and Buy 1 Free 1 cinema tickets close. 31 December 2026: 0% balance transfer and 0% Cash On Call close. 26 November 2026: Kenangan Coffee Buy 1 Free 1 on ShopeeFood ends (Thursdays only, 100 vouchers per Thursday, minimum spend RM20, capped at RM10 per redemption).
fee waiver and cinema deadline 31 Oct 2026 02/02The campaign at a glance fee waiver and cinema deadline
Questions people ask
Where do I apply for this card?
Through our affiliate promo with an AFFIN sales representative — visit apply.tehshihhao.com
What is the minimum income to apply for an AFFIN credit card?
Entry-level AFFIN cards start at RM24,000 a year. The INVIKTA Visa Infinite requires RM150,000 a year. The DUO, DUO+, AVANCE and World tiers sit in between. Principal cardholder must be 21 and above.
Which GSC locations are excluded from the free cinema offer?
Aurum Theatre at The Exchange TRX, The Gardens Mall, The Mall Mid Valley Southkey Johor Bahru, and Velvet Cinema at Sunway 163 Mall. All TGV locations are included.
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