PRODUCT DISCLOSURE SHEET Affin Bank Berhad (25046-T)

Read this Product Disclosure Sheet before you decide to take out the AFFINBANK Debit MasterCard
AFFINBANK Debit MasterCard. Be sure to also read the general terms Date: 23/01/2017
and conditions.

1. What is this product about?

AFFINBANK Debit MasterCard is a payment instrument which allows payment of goods and/or services from your
deposit account at participating retail and service outlets. You are required to maintain a deposit account with
AFFINBANK, to be linked to your debit card. If you close your deposit account maintained with AFFINBANK, your debit
card will be automatically cancelled.
For a successful transaction to take place, you need to have sufficient funds in your deposit accounts.
Note: Conventional CASA Account can only be linked to Conventional AFFINBANK Debit MasterCard.
2. What are the fees and charges I have to pay?

Annual fee First year: waived.

Subsequent year: RM21.20* p.a.
Replacement card penalty RM15 per card.
Withdrawal fee via AFFINBANK ATM Free.
Withdrawal fee via other Bank’s ATM (MasterCard RM7.42* per withdrawal.
Cirrus)
Balance enquiry fee via AFFINBANK ATM Free.
Balance enquiry fee via other Bank’s ATM (MasterCard RM1.06* per inquiry.
Cirrus)
Copy of sales draft RM10.60* per copy.
Overseas transaction conversion fee Where the you use the card outside Malaysia, the
transaction incurred will be converted to Ringgit Malaysia
where the exchange rate is determined by MasterCard
International at the date it is processed by MasterCard
International plus 1% foreign exchange spread
(previously known as administration cost).
Goods and Services Tax (GST) 6% imposed on selected fees and charges.
*The fees and charges are inclusive of GST.
3. What are the key terms and conditions?
a. Hotel transaction
Pre-authorization amount will be charged during check-in to the hotel. The pre-authorization amount will be
deducted from your account and adjusted subsequently upon settlement of the actual amount used or not later than
30 days from the transaction date, whichever is earlier.
b. Petrol transaction at automated fuel dispenser
RM200 pre-authorization amount will be charged to the card account when you make payment using your debit card
at automated fuel dispenser. AFFINBANK will only post the exact amount of transaction and release any extra hold
amount from your account within 3 working days after the transaction date. Alternatively, the in-door transaction is
recommended as the actual amount will be charged from the AFFINBANK Debit MasterCard.

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4. What if I fail to fulfill my obligations?
a. You will be liable for PIN-based unauthorized transactions if it has been proven that you have:
 acted fraudulently;
 delayed in notifying AFFINBANK as soon as reasonably practicable after discovering the loss or unauthorised
use of the card;
 voluntarily disclosed the PIN to another person; or
 recorded the PIN on the card or on anything kept in close proximity with the card.
b. You will be liable for unauthorized transactions which require signature verification or with a contactless card, if it
has been proven that you have:
 acted fraudulently;
 delayed in notifying AFFINBANK as soon as reasonably practicable after discovering the loss or unauthorised
use of the card;
 left the card or an item containing the card unattended in places visible and accessible to others; or
 voluntarily allowed another person to use the card.
c. You will be liable for e-banking transactions, if it has been proven that you have:
 acted fraudulently;
 deliberately disclosing the access identity (ID) and passcode to any other person, via unsolicited emails or on
any website other than the official website of the Bank;
 not taken reasonable steps to keep security device secure at all times; or
 failed to carry out the obligation to report a breach of the security of a pass code or the loss of a security device
to the Bank as soon as reasonably practicable, upon discovering the breach or loss respectively.
d. You will be liable for card-not-present transactions, if it has been proven that you have:
 acted fraudulently; or
 failed to carry out the obligation to report any unauthorised transaction to the Bank as soon as reasonably
practicable, after discovering the unauthorised transaction.
e. AFFINBANK has the right to terminate the card facility if you fail to abide to the terms and conditions governing the
use of the card.

5. What are the major risks?

a. Card is lost or stolen.
b. Disclosure of PIN number/card information to third party.
You must always exercise reasonable care in safeguarding your card from loss and theft and disclosure of PIN number to a
third party. Please call us immediately at 03-5522 3000 (during office hours) or 03-7947 5488 (after office hours) upon
discovering that your card is lost or stolen or PIN number is compromised, and follow up with a written confirmation. If your
card is used for unauthorised transaction(s), a copy of police report must be submitted to the Bank within 7 calendar days
from the date the unauthorised transaction(s) is discovered.
6. What do I need to do if there are changes to my contact details?
It is important for you to inform us of any change in your contact details via one of the following channels to ensure that
all correspondences reach you in a timely manner and you can be contacted when required.
Write in : AFFIN BANK BERHAD
Cards Business Department
301, Level 3, Block C, Menara Glomac
Kelana Business Centre, 97, Jalan SS7/2
47301 Kelana Jaya, Selangor
E-mail : cardservices@affinbank.com.my
Or visit your nearest AFFINBANK branch.

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7. Where can I get more information on AFFINBANK Debit MasterCard?
If you have any enquiries, please contact us at:
Mailing Address : AFFIN BANK BERHAD
Cards Business Department
301, Level 3, Block C, Menara Glomac
Kelana Business Centre, 97, Jalan SS7/2
47301 Kelana Jaya, Selangor
Call Centre : 03-5522 3000 (during office hours)
03-7947 5488 (after office hours)
E-mail : cardservices@affinbank.com.my
Website : www.affinbank.com.my

8. What do I get from this product?

a. Annual fee waiver.
Annual fee will be waived for first year. Annual fee of RM21.20* will be charged for subsequent year.
b. Unlimited 0.5% cash back per month.
You will earn 0.5% cash back on all monthly retail purchases except for petrol and government-related transactions.
The money will be credited into your account automatically every month.
c. Worldwide acceptance.
Ready for use at over millions MasterCard acceptance locations worldwide.
d. Direct debit for convenience and ease of use.
Hassle free and cashless way to manage money. The purchase amount will be deducted automatically from your
account.
e. Automatic Travel Insurance.
You are automatically covered with RM150,000 travel insurance when you charge the full airline fare to your
AFFINBANK Debit MasterCard.
f. MasterCard Global Service.
Worldwide emergency travel assistance 24 hours a day and access to MasterAssist@Travel Assurance Service 24
hours a day.
g. Practical money management.
You will be provided with an option to choose a daily spending limit between RM1,000 to RM10,000 for their daily
use for cash transactions as well as retail purchases.

9. Can I use AFFINBANK Debit MasterCard overseas?

Yes. However, before using your AFFINBANK Debit MasterCard overseas for shopping or ATM withdrawal, please
activate the overseas usage function through the following channels:
a. Contact our Call Centre at 03-5522 3000 (during office hours) or Authorization Centre at 03-7947 5488 (after office
hours),
b. E-mail to cardservices@affinbank.com.my, or
c. Visit your nearest AFFINBANK branch.

10. What are the other security features does AFFINBANK Debit MasterCard has?

a. Secure Chip and PIN Technology protects your account detail and money.
b. SMS alerts will be sent at no cost to your mobile phone number registered with AFFINBANK upon specific purchase
amount made on your AFFINBANK Debit MasterCard.
c. To protect against fraud, you will be received an Authentication Code via SMS to authenticate your 3D secure

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 online purchases.

11. What should I do if there are errors/discrepancies in my card transactions?

You are advised to check the card account/statement carefully and promptly and shall notify AFFINBANK of any error or
possible unauthorised transaction(s) in relation to the card to:

AFFIN BANK BERHAD

301, Level 3, Block C, Menara Glomac
Kelana Business Centre, 97, Jalan SS7/2
47301 Kelana Jaya
Selangor

Tel: 03-5522 3000 (during office hour)

03-7947 5488 (after office hours)
Fax: 03-7804 0750
E-mail: cardservices@affinbank.com.my

Or, voice your feedback via e-mail to yourvoice@affinbank.com.my or call our Careline at 1 800 88 3883.

The information provided in this disclosure sheet is valid as at 23/01/2017.

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Copyright 2017 Affin Bank Berhad (25046-T)