.htaccess redirect all but not two - .htaccess

Question

I'm trying to redirect like this using .htaccess:
* -> index.html
/affiliate -> affiliate.html
/ref/* -> ref.html
But the problem is, that all links are redirected to index, how I can exclude several links from this rule?
I have this code for now:
<IfModule mod_rewrite.c>
RewriteEngine On
RewriteBase /
RewriteRule ^index\.html$ - [L]
RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule . /index.html [L]
</IfModule>

Answer 1

With your shown samples/attempts please try following htaccess rules file.
Please make sure to clear your browser cache before testing your URLs.
RewriteEngine ON
##Rules for uris which starts from affiliate rewrite to affiliate.html here..
RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule ^affiliate/?$ affiliate.html [QSA,NC,L]
##Rules for uris which starts from ref rewrite it to ref.html here..
RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule ^ref ref.html [QSA,NC,L]
##Rules for rest of the non-existing pages to rewrite to index.html here...
RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule ^ index.html [L]

Answer 2

Have your rules like this instead:
Options -MultiViews
DirectoryIndex index.html
RewriteEngine On
# Prevent further processing if request maps to a static resource
RewriteRule ^((index|affiliate|ref)\.html)?$ - [L]
RewriteCond %{REQUEST_FILENAME} -f [OR]
RewriteCond %{REQUEST_FILENAME} -d
RewriteRule . - [L]
# /affiliate -> affiliate.html
RewriteRule ^affiliate$ affiliate.html [L]
# /ref/* -> ref.html
RewriteRule ^ref/ ref.html [L]
# * -> index.html
RewriteRule . index.html [L]
You do not need the RewriteBase directive here. (Or the <IfModule> wrapper.)