AFFIN DUO+ Mastercard Rewards

A Supplementary Points Card Within the DUO+ Pairing

The AFFIN DUO+ Mastercard Credit Card is issued as part of the DUO+ pairing and mirrors the role of the standard DUO Mastercard. It operates on a points-based rewards structure, offering 3x points on selected spending categories, while serving primarily as a Mastercard network alternative to the Visa cashback card.

While the category coverage differs slightly from the standard DUO Mastercard, the underlying value proposition remains similar. The cost per mile remains relatively high compared to other points cards in the market, limiting its effectiveness as a mileage accumulation tool.

Holding the Mastercard comes with an additional cost consideration. As part of the DUO+ structure, cardholders are required to pay an extra RM25 Service Tax (SST), regardless of usage. The card carries an annual fee of RM100, which can be waived with a minimum of 12 transactions per year.

Verdict: The AFFIN DUO+ Mastercard functions primarily as a supporting card within the DUO+ structure, providing Mastercard acceptance rather than strong rewards. For users focused on cashback optimisation, its role is secondary, and its value is largely tied to enabling access to the DUO+ Visa’s higher cashback potential.