For comparison purposes only. Final terms are determined by the issuing bank.
Review
The weaker rewards half of the AFFIN DUO pair
The AFFIN DUO Mastercard Rewards is best understood as the card that comes with the stronger AFFIN DUO Visa Cash Back. It earns rewards on dining, groceries and petrol, but it is unlikely to be the main reason most users apply for the DUO package.
The card earns 3X AFFIN Rewards Points on dining, groceries and petrol. Points earning is unlimited, and AFFIN Rewards Points are valid for 3 years. That sounds reasonable on paper, especially since there is no monthly points cap. The issue is the actual reward value.
If your goal is air miles, the Mastercard Rewards card is weak. Based on the effective conversion, the cost per mile works out to around RM6.67, which is not attractive for a travel rewards card. For most users, this makes the 3X points less exciting than the headline earn rate suggests.
It also does not solve a major gap in the DUO setup. The Visa Cash Back card already gives cashback on eWallet reloads and transactions, and eWallets are commonly used at offline merchants in Malaysia. Because of that, the Mastercard's dining, groceries and petrol categories are not as essential as they might first appear.
The card is easier to tolerate because the holding cost is low. The annual fee is waived for the first 3 years, and after that it can be waived with at least 12 retail transactions per year. The minimum income requirement for the DUO series is RM24,000 per year.
Verdict: The AFFIN DUO Mastercard Rewards is not the main reason to apply for AFFIN DUO. It has unlimited 3X points on dining, groceries and petrol, but the reward value is modest and the air miles conversion is weak. Most users will care more about the Visa Cash Back card. This Mastercard is acceptable as part of the package, but it is not strong enough to stand on its own.
Pros
- 3X AFFIN Rewards Points on dining, groceries and petrol
- No annual fee for the first 3 years
- Easy annual fee waiver with 12 retail transactions per year
- Low income requirement of RM24,000 per year
Cons
- Not the main reason to apply for AFFIN DUO
- Weak air miles value at around RM6.67 per mile
- Less useful because the Visa Cash Back card already covers eWallet spending
- AFFIN Rewards Points are valid for 3 years only
- Comes bundled with the stronger Visa Cash Back card
Rewards Points
| Category | Multiplier | Cap |
|---|---|---|
Dining | 3xPoint | Uncapped |
Groceries | 3xPoint | Uncapped |
Petrol | 3xPoint | Uncapped |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Points Conversion
Best CPM is calculated based on the highest earn rate available for each points program. A lower CPM indicates better value.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Air Miles Calculator
Estimates use monthly category totals. Actual rewards may differ due to transaction-level rounding, merchant coding, exclusions, caps, and bank terms.
Monthly Spend
Enter eligible spend by category to estimate your miles.
Only programs supported by every points currency earned on this card are shown.
Air Miles Summary
Card benefits
No specific benefits listed.