Terms & Conditions: 2026 Affin Bank Offer for Personal Payments ("Promotion")
Eligibility to utilise New User Promo Code "AFFINFIRST"
- Visa, Mastercard and China UnionPay credit card ("Eligible Cards") Cardholders who have signed up for a CardUp personal account (“User(s)”) are eligible to enjoy a discounted fee of 0.99% on the first personal payment ("Offer"), in accordance with the following Terms & Conditions.
- The Offer is valid
(a) on payments scheduled on CardUp between 1 July 2026 and 30 June 2028 before 6pm (MYT), both dates inclusive ("Offer Period").
(b) for one redemption per user ("Redemption Cap") on the first payment of up to a maximum of RM6,000. The prevailing 2.25% fee will be applied to the rest of the payment should the amount exceed RM6,000.
(c) on one-off payments OR on recurring payments that are set up within the Offer Period. - Payment Set Up
(a) The payment due date must be on or before 5 July 2028 (“Last Due Date”). The Due Date refers to the last date on which the payment must arrive at the recipient. Payments must be scheduled at least 3 business days in advance of the Due Date to allow for processing time.
(b) New users have to enter the promo code "AFFINFIRST" during the “Schedule payment” process when setting up payment details. The 0.99% discounted fee will be reflected on the payment review page, before payment confirmation. - Payment Review
(a) All payments are subject to review and additional documents may be requested to support the review process.
(b) Users are not permitted to prepay or overpay the amount owed to the recipient in accordance with the payment reference documents provided.
(c) CardUp shall not be held liable for any delays in payment processing or fee refund resulting from the User's failure to provide sufficient documentation. - The Offer is not valid
(a) on business payment categories.
(b) on payment set up after Offer Period, or have a due date beyond the Last Due Date.
(c) on payments made with Affin Cards that are not an Eligible Card as defined herein and Affin Cards issued outside of Malaysia.
(d) on any additional fees incurred for Next Day payments.
(e) on any payments in foreign currency.
(f) in conjunction with any other promotions, offers or discounts. - Users who redeem the Offer agree and consent that CardUp and Affin Bank to exchange details relating to you, including your card account and transaction details, for the purpose of determining your eligibility to qualify for the Offer.
Eligibility to utilise Promo Code "AFFIN16"
- Visa, Mastercard and China UnionPay credit card ("Eligible Cards") Cardholders who have signed up for a CardUp personal account (“Users”) are eligible to enjoy the discounted fee of 1.6% on all payments ("Offer"), in accordance with the following Terms & Conditions.
- The Offer is valid
(a) on payments scheduled on CardUp between 1 July 2026 and 30 June 2028 before 6pm (MYT), both dates inclusive ("Offer Period").
(b) to redeem repeatedly per User ("Redemption Cap") on one-off and recurring payments that are set up within the Offer Period. - Payment Set Up
(a) The payment due date must be on or before 5 July 2028 (“Last Due Date”). The Due Date is the last date on which the payment must arrive at the recipient. Payments must be scheduled at least 3 business days in advance of the Due Date to allow for processing time.
(b) Existing users have to enter the promo code "AFFIN16" during the “Schedule payment” process when setting up payment details. The 1.6% discounted fee will be reflected on the payment review page, before payment confirmation. - Payment Review
(a) All payments are subject to review and additional documents may be requested to support the review process.
(b) Users are not permitted to prepay or overpay the amount owed to the recipient in accordance with the payment reference documents provided.
(c) CardUp shall not be held liable for any delays in payment processing or fee refund resulting from the User's failure to provide sufficient documentation. - The Offer is not valid
(a) on business payment categories.
(b) on payment set up after Offer Period, or have a due date beyond the Last Due Date.
(c) on payments made with Affin Cards that are not an Eligible Card as defined herein and Affin Cards issued outside of Malaysia.
(d) on any additional fees incurred for Next Day payments.
(e) on any payments in foreign currency.
(f) in conjunction with any other promotions, offers or discounts. - Users who redeem the Offer agree and consent that CardUp and Affin Bank to exchange details relating to you, including your card account and transaction details, for the purpose of determining your eligibility to qualify for the Offer.
General Terms
-
All CardUp fees are subject to an additional 8% SST.
-
CardUp shall be entitled to withdraw or substitute the CardUp credit with items or rewards of similar value at its sole discretion without prior notice and without giving any reason for the same.
-
CardUp reserves the right to terminate the Promotion, or to vary, delete or add to any of these Terms and Conditions from time to time at its absolute discretion (including without limitation the terms relating to the eligibility of any Participant and the dates of the Promotion).
-
CardUp’s decision on all matters relating to this Promotion will be final, conclusive and binding on all Participants, and no correspondence shall be entertained. In the event of any inconsistency between these Terms and Conditions and any brochure, marketing or promotional material relating to the Promotion, these Terms and Conditions will prevail.
-
CardUp, its employees and campaign organisers shall not be liable for any loss, damage, or any injury that may be sustained by the Participant or by any person in connection with the Promotion. Without limiting the foregoing, CardUp is not responsible for the loss of any Promotional Gift for which the Referrer is eligible.
-
The Participant acknowledges and agrees that the collection, use, storage and disclosure of his/her personal data shall be governed by the terms of CardUp’s Privacy Policy. The Participant shall be responsible for obtaining, and warrants that it has obtained, the consent of the Referee(s) for the provision of the Referee(s) personal data to CardUp, and to the collection, use and storage of such personal data in accordance with CardUp’s Privacy Policy. CardUp may inform the Referee(s) that the Referee’s/Referees’ personal data is collected from the Participant.
-
The Participant acknowledges and agrees that, in addition to the above-mentioned terms, they must abide by the requirements of CardUp’s general Terms of Service.
-
"CardUp" refers to CardUp Malaysia SDN. BHD., a company registered in Malaysia.
-
These Terms of Service, all matters relating to your use of our website at https://www.cardup.my and all matters relating to the use of the CardUp service shall be governed by, and construed in accordance with, the laws of Malaysia. By using the CardUp service you submit to the exclusive jurisdiction of the Courts of Malaysia.