AEON Biker Gold Visa Card

Every Ride Is a Reward

Apply Now

Overview

With our Cashback, you'll be bringing home peace of mind, not just savings.

5% Cashback

Earn cashback on spare parts, accessories, merchandise, and motor services

2% Cashback

Earn cashback for petrol and insurance transactions

0.5% Cashback

Earn cashback for other retail transactions

Travel Insurance

Complimentary coverage for accidental death, permanent total disablement, and ambulance fees

Virtual Card

Immediate access upon card approved

Exclusive Offers

Enjoy motorcycle privileges from selected dealers and merchandise stores

Credit Card Requirements

Minimum Age & Annual Income

Principal: 21 years old
Supplementary: 18 years old
Minimum Annual Income: RM24000 (for Malaysians)
Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)

Documents Required (Non-Returnable)

MyKad photocopy (both sides) including Supplementary card applicant(s) MyKad (if applicable).
Latest 3 months payslip/Form BE (with tax payment receipt)/EA/Latest 6 Months payslip for commission earners.

If Self-employed:

Business Registration Certificate or Form 9/24/49.
Latest 6 months Company Bank Statements/Form B with tax payment receipt.

Valid Email Address and Mobile Number

Principal & Supplementary card applicant is required to have a valid email address and mobile phone number for verification purposes.
A Verification Code will be sent to applicant for the sole purpose of details verification in order to complete the application process.
If application is made via the Telemarketing channel, AEON Credit Telemarketing Officer will contact the applicant to confirm on the Verification Code.

Features and Benefits

Important info about AEON Biker Gold Visa Card.

5% Cashback on Spare Parts, Accessories, Merchandise, and Motor Services

Applicable to transactions with MCC 5532, 5533, and 5571.
Cashback is issued in MYR currency only.

2% Cashback for Petrol

Applicable to transactions with MCC 5541 and 5542.
Cashback is issued in MYR currency only.
Capped at RM15 per card account per calendar month.

2% Cashback for Insurance Transactions

Applicable to transactions with MCC 5960 and 6300.
Cashback is issued in MYR currency only.
Capped at RM15 per card account per calendar month.

0.5% Cashback for Other Retail

Applicable to all transactions except those listed above and e-wallet top-ups.
Cashback is issued in MYR currency only.

e-Wallet Top-up list

Notes:

Total cashback is capped at RM50 per month, including supplementary and virtual card spending.
Cashback will be credited and reflected in the following month’s statement.

Travel Insurance

Complimentary coverage for accidental death, permanent total disablement, and ambulance fees.

Download PDF

Virtual Card

Activate and spend your virtual credit card instantly, while waiting for your physical card to arrive.
Conveniently accessible via AEON Wallet.

Exclusive Offers at Selected Motorcycle Dealers &Merchandise Stores

Enjoy exciting privileges and offers at selected motorcycle dealers and merchandise stores.

View current promotions

Ready Cash

Get extra cash swiftly from your available credit limit with AEON Credit Card and repay in affordable monthly instalments. There is no processing fee and penalty for early settlement of your AEON Ready Cash plan.

Download Terms & Conditions

ready-cash-table

Balance Transfer

Save on your credit card debt with AEON Balance Transfer Plan.
Consolidate your outstanding balances from other credit cards and transfer it to your AEON card at lower interest rate.
There is no processing fee and penalty for early settlement of your AEON balance transfer plan.

Apply AEON Balance Transfer Plan now!

Download Terms & Conditions

balance-transfer-table

* If you pay only minimum monthly repayment.
** If you make full monthly payment of your Balance Transfer instalments. For more Information, call 03-2719 9999.

Flexi Payment Plan

Call us today and we will help to convert your purchases to affordable monthly instalments.
Transactions that have not been posted or stated in the current month’s statement can be converted to a Flexible Payment Plan after three working days from the date of purchase.

Download Terms & Conditions

flexi-payment-plan-table

0% Instalment Payment Plan

With our 0% Instalment Payment Plan, you can get your hands on the latest mobile gadgets or electrical items and enjoy interest free instalments up to 36 months, varies by individual merchants*.

Note: No finance charges shall be incurred subject to all instalments being paid on or before the due date.

*List of merchants and the tenure as per below:
0-instalment-payment-plan-table

Download Terms & Conditions
View Participating Merchants

Cash Advance

Stop worrying and start living your life! AEON Cash Advance offers instant cash anywhere, anytime. It’s that simple and convenient!
cash-advance-table

Credit Limit Increase

Maxed out your credit limit? Just apply for the AEON Credit Limit increase and enjoy greater flexibility and financial freedom.

Permanent Increase Credit Limit
New credit limit to suit your standard of living

Temporary Increase Credit Limit
2-months for overseas travel, medical, education, hospitalisation, and compassionate purposes

Download Form

Annual Fees

Principal – RM95*
Supplementary – RM60*

*First year waived, subsequent year waived with minimum combined spending of RM10,000 per year.

Finance Charges

Finance Charge of the outstanding will be calculated on daily basis based on Tiered Finance Rate Structure as below:
tiered-finance-rate-structure-table

Cash Advance Fees

5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance transaction.

Cash Advance

18% per annum of Cash Advance amount calculated on a daily basis from the day of cash withdrawal.

Balance Transfer

Start from as low as 3% interest of total amount transferred.
No processing/penalty fee for early settlement of your AEON Balance Transfer.

Minimum Monthly Repayment

5% of Current Balance, 100% Service Tax, 100% Monthly Instalment and 100% Past Due amount OR minimum of RM 50; whichever is higher.

Late Payment Charges

Minimum RM10 or 1% of the total outstanding retail and cash advance transactions, whichever is higher subject to a maximum of RM100.

Overseas Transaction

Card transactions effected in currencies other than Ringgit Malaysia will be debited to the Cardholder’s Account after conversion into Ringgit Malaysia, at the exchange rate as determined by Visa/Mastercard on the day of conversion including a service fee of 1.0%.

Interest Free Period for Retail Transactions

Cardholders that pay in full before/on payment due of the previous month’s statement will enjoy an interest- free period of 20 days for all Retail Transactions only.

Cardholders that pay minimum before/on the payment due date and revolve their previous month’s outstanding balances, will be charged finance charges as per applicable Tiered Finance Rate Structure for all Retail Transactions from posting date of the Retail Transaction.

Card Replacement Fee

Damaged Card will be replaced free of charge. If your card is lost or stolen, a fee of RM35 will be charged per card for first time replacement and RM50 per card for subsequent replacements.

Card Conversion Fee

RM30 per request.

Credit Balance Refund Fee

IBG Fee of RM0.10 or cheque issuance fee of RM0.50, depending on instrument of refund requested by customers.

Sales Draft Retrieval Fee

Only request for last 3 months will be entertained. RM 15 per copy.

Statement Request Fee Upon request only

Only request for last 3 months will be entertained. RM 5 per copy.

Physical Monthly Statement Fee

RM1 per month (RM12 per annum) – Applicable to new cardholders of all type of AEON Credit Cards.

0% Instalment Payment Plan

Cancellation/Early Settlement is RM30 per request.

Liability for Unauthorised Transaction

You must always use reasonable precautions to prevent loss of your credit card and personal identification number (PIN). You are advised not to disclose the PIN or credit card details to unauthorized parties. If your credit card is lost or stolen, you must notify AEON Credit immediately as soon as reasonably practicable after having found that your credit card is lost or stolen, followed by a written confirmation together with a copy of a police report and provided that you have not acted fraudulently. Your maximum liability for unauthorized transactions as a consequence of a lost or stolen credit card shall be confined to a limit specified by AEON Credit.
AEON Credit may resolve that your liability be limited to RM250.00 (or such amounts as may be determined by AEON Credit from time to time, with the approval of Bank Negara Malaysia, if required) subject to the following conditions: (1) you had in good faith and with reasonable care and diligence safeguarded your credit card or PIN from risk of loss, theft, unauthorized usage or disclosure; AND (2) you have not acted fraudulently; AND (3) you had immediately notified AEON Credit upon discovery of loss, theft, unauthorized usage of the credit card or PIN or non receipt of a renewal or replacement AEON Credit Card.
AEON Credit has the right to set-off any credit balance in your account maintained with us against any outstanding balance in this credit card account.
If you fail to abide by the terms and conditions of the credit card, we have the right to terminate your card.

Ready Cash

Start from as low as 3.99% interest of total amount transferred.
No processing/penalty fee for early settlement of Ready Cash.

Flexi Payment Plan

Start from as low as 2.5% interest of total amount converted. Early Settlement is RM50 per request.

Virtual Card

No SST.
No annual fee.
No replacement card fee.
BNM tiered interest rate (same as physical card).

Built-in with Contactless Payment Function

Discover the convenience of owning the AEON Biker Gold Visa Card with contactless payment function. Pay by simply ‘tapping’ your card when prompted by the contactless reader at checkout. It’s that easy!

Marvellous Privileges with Merchants

Be sure to leave home with your AEON Biker Gold Visa Card. It is the preferred card of a wide selection up to 250 merchants who have teamed up with us to offer you special privileges and attractively low prices. From dining and holiday to fitness and beauty, you’ll enjoy discounts and great rewards! Also, when you plan for your vacation, check out the great discounts on room rates at participating hotels.

Global Cash Access

Access instant cash when you need it at a global network of over 810,000 ATMs worldwide including over 3,800 ATMs in Malaysia.

International Recognition

Enjoy unparalleled recognition in any part of the world as your AEON Biker Gold Visa Card is instantly recognised at over 19 million establishments worldwide.

Numerous Repayment Options

Pay at any AEON Credit Cash Deposit Machine, payments through MEPS InterBank GIRO at any participating banks branches or internet banking.

Instant Approval of Consumer Durable Easy Payment

With your AEON Biker Gold Visa Card, there’s a splendid way to get all that you want. Our Consumer Durable Easy Payment Scheme lets you beautify your home or go on a holiday via flexible, easy payments of up to 36 months (Gold/Jewellery & Watches up to 48 months) for as low as 0.85% per month*. What’s really special is that your application will be approved instantly! Simply because you are an AEON Biker Gold Visa Cardholder. This privilege also allows you to make purchases at over 5,000 participating merchants’ outlets nationwide without reducing the available spending limit on your AEON Biker Gold Visa Card.

FAQs

Who is eligible to apply for this card?
Applicants must be Malaysian citizens or Japanese nationals, aged at least 21 years old, with a minimum
annual income of RM24,000.
How do I apply for this card?
Interested applicants may visit any AEON Credit Service branches nationwide, access our website at
myaeoncredit.com.my and AEON Wallet Malaysia app.
What are the documents required to apply for this card?
• MyKad photocopy (both sides), including Supplementary Card applicant(s) MyKad (if applicable).
• Valid Passport / MyPR (front & back) / Employment Pass / Work Permit.

Employed:
• Latest 3 months’ payslip/Form E (with tax payment receipt) / EA / Latest 6 months’ payslip for commission earners.

Self-Employed:
• Business Registration Certificate or Form 9/24/49
• Latest 6 months’ Company Bank Statement / Form B with tax payment receipt.

Foreigners (Japanese only):
• Minimum latest 1 month payslip / Employment letter as proof of income.
• Copy of valid MM2H (Malaysia My Second Home) social visit pass.
What are the features and benefits of this card?
Cashback:
• 5% Cashback on spare parts, accessories, merchandise, and motor services.
• 2% Cashback for petrol.
• 2% Cashback for insurance transactions.
• 0.5% Cashback for other retail transactions.
• Exclusive access to motorcycle events, rallies, and privileges at selected dealers and merchandise stores.

Other Value Added Benefits

Ready Cash:
• Convert your available AEON Credit Card limit into cash with no documents required, no processing fee, and no termination fee.

Cash Advance:
• Perform cash withdrawals anytime at any AEON Credit or bank ATM (Automated Teller Machine) using your PIN.

Balance Transfer:
• Transfer outstanding balances from other banks’ Credit Cards with no early settlement fees.

Flexi Payment Plan:
• Convert your purchases into affordable monthly instalments.

Travel Insurance
• Complimentary coverage up to RM4,000 for travel accidents, 24-hour personal accidents, and ambulance fees.
How much is the annual fee charged for this card?
Principal Card – RM95
Supplementary Card – RM60
First year is waived. Subsequent yearly annual fee is waived upon achieving a minimum spend of RM10,000
per year.