Affordance is what an object is capable of. For example, a door can be opened, which is its affordance. A signifier communicates the affordance to the user. A door handle is a signifier. Affordance exists irrespective of the signifier. So what you are talking about here is a misleading signifier, not affordance.
The article is very well written and is a great resource on the process of interaction design. Also the proposed design is so refreshing and functional. Hope HDFC adopts it ☺