Your New Digital Membership

FinPlus is a membership offered by AEON Credit Service (Malaysia) Berhad that is open to our new and existing customers. FinPlus membership application is subject to approval and upon approval you are deemed a FinPlus member. Each FinPlus member will be assigned with a tier which determines your exclusive privileges and rewards with us. You may apply and check your FinPlus tier, exclusive privileges and rewards through AEON Wallet Malaysia app.

Below customers are eligible to apply for FinPlus Membership:

1. Malaysian with age 18 and above*
2. Completed identity verification with AEON Credit Service Malaysia via AEON Wallet
   Malaysia App**

Note: FinPlus application approval is subjected to AEON Credit Service discretion.

*Customer age 18 and above is eligible to apply for FinPlus membership, however application of each respective product is subjected to the respective product eligibility requirements. You may check the eligibility of the product in our website at https://myaeoncredit.com.my/

**Identity verification must be completed through AEON Wallet Malaysia app. This process may involve uploading your Identification (ID) photo and taking a short selfie video.

Apply for FinPlus and enjoy the member privileges and rewards via AEON Wallet Malaysia app.

Step 1: Download and register AEON Wallet Malaysia App.

Step 2: Select My Finance and click FinPlus tab.

Step 3: Click “Get Your Credit Limit Now”

Step 4: Verify your identity by performing e-KYC if you have not performed e-KYC via AEON Wallet Malaysia app.

Step 5: Provide your gross salary* and net salary**.

Step 6: Accept our terms and conditions and click submit.

Step 7: Thank you for your application! Your application will be processed within 48 hours, and you are a FinPlus member upon approval.

* Basic salary plus any additional allowances or overtime pay as per your latest income pay slip.

** Your Gross Salary upon deductions as per your latest income pay slip. Deductions may
include taxes, social security, or health insurance (such as SOCSO etc.), retirement contributions (such as pension, Employee Provident Fund etc.) or other deductions from our gross salary in your income pay slip.

Note: Your FinPlus application will be assessed based on AEON Credit Service Malaysia assessment and discretion.

Once your application is submitted, we will process your application within 48 hours. Upon approval, your FinPlus tier and conditional credit limit(s) will be updated immediately via AEON Wallet Malaysia app. Hence, please check your FinPlus application status via AEON Wallet Malaysia app from time to time through AEON Wallet Malaysia App in FinPlus page.

• Approved: Your FinPlus tier and your available conditional credit limit(s) will be displayed immediately.
• Declined: You are not eligible to be FinPlus member at this moment, hence FinPlus tier and credit limit(s) are not assigned to you.

Note: Please note that FinPlus membership is subject to eligibility requirements and may be cancelled if your credit profile does not meet our internal criteria.

Eligible FinPlus member may enjoy below privileges: –

• Instant conditional credit limit(s) of AEON Credit Malaysia financing products and credit cards. Customers with higher tier will be assigned with higher conditional credit limit(s).
• Special offers based on FinPlus tier on promotional basis.

Note: The benefits are offered to the selected eligible customers by AEON Credit Service (M) Berhad.

There are 5 different FinPlus tiers, the highest tier is “Elite”. Your FinPlus tier will be automatically assigned once application is approved. FinPlus tier is determined based on your credit profile, this may include your financial behaviour of your existing or past products. FinPlus tier and credit limit(s) assigned are subject to our internal assessment and discretion.

Higher FinPlus tier shall be granted with more privileges and rewards.

For example: –

Customer A: FinPlus approved with Entry tier.

• Granted with RM30,000 credit card conditional credit limit.
• Awarded with 10% discount voucher.

Customer B: FinPlus application approved with Elite tier.

• Granted with RM100,000 credit card conditional credit limit.
• Awarded with 50% discount voucher.

*Terms and conditions apply.

You may check your FinPlus tier and benefits via AEON Wallet Malaysia App.

Yes, FinPlus membership tier can be upgraded or downgraded depending on your credit profile such as your repayment behaviour of your financial products. You may also check on your latest FinPlus tier by clicking on the “Refresh Credit Limit” button via AEON Wallet Malaysia app, we will update your latest FinPlus tier within 48 hours upon re-assessment.

Conditional credit limit(s) is a pre-approved credit limit(s) assigned for our financing products and credit cards based on preliminary assessment on your credit profile. Conditional credit limit(s) are denominated in Ringgit Malaysia (RM) and subjected to changes upon any updates to your credit profile during the actual submission of the application(s).

The conditional credit limit(s) will be assigned based on the list of products as below: –

1. Credit Cards
2. Personal Financing-i
3. Motorcycle Financing HP-I, further categorized to: –
• Moped Financing-i (<250cc)
• Superbike Financing-i (≥250cc)
4. Auto Financing HP-i
5. Objective Financing-I, further categorized to.: –
• Smartphone & Gadgets Financing
• Home & Lifestyle Product Financing

Your conditional credit limit(s) can be granted either for all or some of the selected products, based on your eligibility. In the event you are not eligible, no credit limit will be granted for any of the products. You may select your preferred product(s) and navigate to the specific product application form or merchant finder to locate the nearest merchant to you. Next, you may then proceed to submit your application with an amount equal or less than the conditional credit limit(s) granted, subject to the maximum financing of the product(s).

Yes, conditional credit limit(s) granted has a validity of up to 30 days from the date of FinPlus application approval.

No. The conditional credit limit(s) granted are indicative based on preliminary assessment and subjected to AEON Credit Service Malaysia final assessment of each respective product application upon full application submission.

Your conditional credit limit(s) may increase based on your repayment eligibility and as you elevate your FinPlus tier. Additionally, you may also click “Refresh Credit Limit” and update your latest income details via AEON Wallet Malaysia app to obtain your latest conditional credit limit(s).

FinPlus tier assignment and conditional credit limit(s) are assigned based on our internal assessment and discretion. You will not be assigned a FinPlus tier and conditional credit limit(s) if you do not meet our eligibility criteria.

You may request your FinPlus and conditional credit limit(s) to be re-assessed up to 3 times within 30-calendar days validity of your current available credit limit(s), of which it will expire after that. Subsequently, you may request to re-assess your credit limit(s) again up to 3 times within the next 30-calendar days.

The special offers are varied based on your FinPlus tier and will be announced to you from time to time via our website and AEON Wallet Malaysia app.

No, your FinPlus membership is non-transferable.

No, FinPlus membership is free of charge to all eligible members.

No, there are no hidden charges. All benefits are included based on your tier.

No, you will not be able to cancel your FinPlus membership. However, we may cancel your membership if the FinPlus eligibility requirements are not met.

No, FinPlus membership will not expire after you join as a member. However, we may cancel your membership if the FinPlus eligibility requirements are not met.