affect vs refer

affect is a noun but refer is not a noun.

Word	Noun	Adjective	Verb	Adverb
affect	Yes	No	Yes	No
refer	No	No	Yes	No

As verbs, refer is a hypernym of affect; that is, refer is a word with a broader meaning than affect:

Other hypernyms of affect include bear on, come to, concern, have to do with, pertain, relate, touch, touch on.

affect (noun)	refer (noun)
the conscious subjective aspect of feeling or emotion

affect (verb)	refer (verb)
act physically on; have an effect upon	think of, regard, or classify under a subsuming principle or with a general group or in relation to another
have an effect upon	have as a meaning
make believe with the intent to deceive	make reference to
have an emotional or cognitive impact upon	use a name to designate
connect closely and often incriminatingly	seek information from
	send or direct for treatment, information, or a decision
	be relevant to