AEON Gold Mastercard

Swipe, Save, Enjoy Cashback Rewards!

Apply Now

Overview

With our Cashback, you’ll be bringing home spare cash, not just groceries.

8% AEON Store Cashback

Get 8% Cashback on the 20th & 28th of every month at AEON Stores & AEON BiG Hypermarkets

2X AEON Points

Earn 2X AEON Points at AEON stores and AEON BiG Hypermarkets

3X AEON Points

Earn 3X AEON Points on Overseas Spending

Dining Cashback

Enjoy 5% Cashback on Dining Transaction

Premium Lounge

Complimentary 3X access to Plaza Premium Lounge for Principal Cardholder with minimum spend RM500

Virtual Card

Immediate access upon card approved

Credit Card Requirements

Minimum Age & Annual Income

Principal: 21 years old
Supplementary: 18 years old
Minimum Annual Income: RM36000 (for Malaysians)
Minimum Annual Income: RM48,000 (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 Gold Mastercard.

AEON Points

2X AEON Points at every RM2 spent at AEON Stores( AEON retail, MaxValu, Daiso(by AEON), Komaiso, AEON Delight, MyAEON2Go, AEON Fantasy, AEON Wellness) & AEON BiG Hypermarkets every day (except 20th and 28th).
1X AEON Point for every RM4 spend on other transaction exclude petrol, government department, trading, utility bills and all fees and charges related transactions.
3X AEON Points for every RM2 overseas spend*.

* Effected in foreign currency only, upon conversion to RM.

NOTE: AEON Points will be credited and reflected in the following month’s statement.

Accumulate your AEON Points and convert it into cash at the conversion rate of 200 AEON Points = RM1.

How To Redeem AEON Points

8% Cashback on AEON Thank You Day

8% Cashback on AEON Thank You Day in AEON Stores (AEON retail, MaxValu, Daiso(by AEON), Komaiso, AEON Delight, MyAEON2Go, AEON Fantasy, AEON Wellness) & AEON BiG Hypermarkets on the 20th & 28th of every month.
Cashback will be capped at RM100 per card account per calendar month.

NOTE: Cashback will be credited and reflected in the following month’s statement. Cashback will be awarded based on transaction dates (20th and 28th of the month) in which the transactions are successfully posted in AEON Credit system.

5% Cashback on Dining Transaction

Applicable to dining transactions with MCC 5812 and 5814.
Capped at RM25 per card account per calendar month.
Cashback is issued in MYR currency only.

NOTE: Cashback will be credited and reflected in the following month’s statement.

Complimentary Access to Plaza Premium Lounge

Enjoy 3X access in a calendar year to Plaza Premium Lounge in Malaysia for Principal Cardholder.
Spend min RM500 in single or cumulative transactions within 30 days before and/or after PPL entry date.

Download Terms & Conditions

Travel Insurance Coverage

Up to RM200,000 insurance coverage.

*This Insurance is underwritten by MSIG MALAYSIA and subject to terms and conditions of the respective master policies

Download PDF

Virtual Card

Activate and spend virtual credit card instantly, while waiting physical card delivery.
Conveniently accessible via AEON Wallet.

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 Credit 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 of 12 transactions per year

Finance Charges

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

Cash Advance

18% p.a. of the cash advance amount calculated on a daily basis from the day (after) cash disbursement.

Cash Advance Fees

A fee of 5% or such other rate as AEON Credit may prescribe from time to time shall be imposed on the amount of each cash advance (subject to a minimum of RM15.00) and charged to the Card Account.

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.

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 or any amount lesser than the statement balance before/on the payment due date of the previous month’s outstanding balances, will be charged finance charges as per applicable Tiered Finance Charge Structure for all Retail Transactions from posting date of the retail transactions

Overseas Transaction

Card transactions affected 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%.

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.

Credit Balance Refund Fee

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

0% Instalment Payment Plan

Cancellation/Early Settlement is RM30 per request.

Sales Draft Request Fee

Only request for last 3 months will be entertained. RM15 per copy.

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).

Instant Approval of Consumer Durable Easy Payment

Up to 36 months for as low as 0.8% per month*. Application will be approved instantly without reducing the available spending limit on your Card.

Terms & Conditions apply.

Marvelous Privileges with Merchants

Enjoy rewards and discounts when you shop, dine and travel using the NEW AEON Classic or Gold Credit Card at participating merchants.

Worldwide Travel Assistance

Don’t worry if you’ve misplaced your AEON Card. Our AEON World Desk Centre provides personalised services and global assistance from lost/stolen cards to hotel reservations.

You’ll also enjoy Visa’s/Mastercard emergency assistance services 24 hours a day.

Numerous Payment Options

Pay at your convenience at AEON Credit Service outlets or any AEON Credit Cash Deposit Machine. Alternatively, through MEPS Interbank GIRO, internet banking or over the counter at POS Malaysia outlets nationwide.

Convenience of Global Cash Access

With Visa PLUS and Mastercard Cirrus ATMs, you’ll have access to over 810,000 ATMs worldwide including over 3,800 ATMs in Malaysia. Now convenience is at your fingertips.

International Recognition

Enjoy unparalleled recognition in any corner of the world because your AEON Cards is instantly recognised at over 19 million establishment worldwide.

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 RM36,000.
How do I apply for this card?
Interested applicants may visit any AEON Credit Service branches nationwide or access to our website at myaeoncredit.com.my.
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.

Foreigner (Japanese only)
• Minimum latest 1 month payslip / Employment letter as an income proof /Copy of valid MM2H (Malaysia My Second Home) social visit pass.
What are the features and benefits of this card?
AEON Points
• 2X AEON Points for every RM2 spent at All AEON Stores and AEON BiG Hypermarkets (except Thank You Days)
• 1X AEON Point on every RM4 spent for other retail transactions
• 3X AEON Points on overseas spend

Cashback
• 8% Cashback on Thank You Day at all AEON Stores and AEON BiG Hypermarkets on every 20th and 28th of the month.
• 5% Cashback on dining transactions.
(Capped at RM25 / card every month)

Travel
• 3X Complimentary access to Plaza Premium Lounge for Principal Cardholder per year.
• Travel Insurance coverage of up to RM200,000.

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

Cash Advance
• Perform cash withdrawal anytime at any AEON Credit or Bank’s ATM (Automated Teller Machine) with your PIN.

Balance Transfer
• Transfer outstanding balances from other Banks’ Credit Card without early settlement fee.

Flexi Payment Plan
• Convert your purchases into an affordable monthly instalments payment plan.
How much is the annual fee charged for this card?
Principal Card – RM95
Supplementary Card – RM60
First year annual fee is waived. Subsequent yearly annual fee charges is waived upon usage of a minimum of 12 times transactions per year.