Overview
Our Cashback gives you spare cash and as an AEON member, you’ll earn extra AEON Points too — your shopping has never been this rewarding.
5% AEON Store Cashback
Get 5% Cashback on the 20th & 28th every month at AEON Stores & AEON BiG Hypermarkets
3X AEON Points
Earn 3X AEON Points at AEON stores and AEON BiG Hypermarkets
Virtual Card
Immediate access upon card approved
Free Parking
Enjoy parking rebates up to 2 hours. Available at selected AEON Malls & AEON BiG Hypermarkets.
Eco-Friendly Card Material
Made from biodegradable PLA material
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.
- 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 Member Plus (AMP) Mastercard Classic Credit Card.
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), and AEON BiG Hypermarkets every day (except 20th and 28th). - 1X AEON Point for every RM1 spend for member recognition in all AEON Stores, AEON BiG Hypermarkets, AEON Maxvalu Prime, AEON Wellness, and Daiso (by AEON).
- 1X AEON Point for every RM4 spend on other transaction exclude petrol, government department, trading, utility bills, and all fees and charges related transactions.
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.
5% Cashback on AEON Thank You Day- 5% Cashback on AEON Thank You Day at 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 is 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.
Virtual Card- Activate and spend virtual credit card instantly, while waiting physical card delivery.
- Conveniently accessible via AEON Wallet.
Free Parking- Enjoy up to 2 hours of free parking with your AMP Mastercard Classic Credit Card at selected AEON Malls and AEON BiG Hypermarkets. Subject to 10% convenience service fee and 6% SST.
Eco-Friendly Card Material- Our card is made from biodegradable PLA which is a renewable material from non-edible corn that replaces traditional plastic and helps reduce environmental impact.
Ready CashGet 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.
There is no processing fee and penalty for early settlement of your AEON Ready Cash plan.
Balance TransferSave 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.
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.
* 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
** If you make full monthly payment of your Balance Transfer instalments For more Information, call 03-2719 9999
Flexi Payment PlanCall 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.
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.
0% Instalment Payment PlanWith 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:
Cash AdvanceStop worrying and start living your life! AEON Credit Cash Advance offers instant cash anywhere, anytime. It’s that simple and convenient!
Credit Limit IncreaseMaxed 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
New credit limit to suit your standard of living
Temporary Increase Credit Limit
2-months for overseas travel, medical, education, hospitalisation, and compassionate purposes
2-months for overseas travel, medical, education, hospitalisation, and compassionate purposes
Annual FeesPrincipal – RM30*
Supplementary – RM20*
Supplementary – RM20*
*First year waived, subsequent year waived with minimum of 12 transactions per year
Finance ChargesFinance Charge of the outstanding will be calculated on daily basis based on Tiered Finance Rate Structure.
Cash Advance18% p.a. of the cash advance amount calculated on a daily basis from the day (after) cash disbursement.
Cash Advance FeesA 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 TransferStart from as low as 3% interest of total amount transferred.
No processing/penalty fee for early settlement of your AEON Balance Transfer.
No processing/penalty fee for early settlement of your AEON Balance Transfer.
Minimum Monthly Repayment5% of Current Balance, 100% Service Tax, 100% Monthly Instalment and 100% Past Due amount OR minimum of RM 50; whichever is higher.
Late Payment ChargesMinimum 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 TransactionsCardholders 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 TransactionCard 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 FeeDamaged 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 FeeIBG Fee of RM0.10 or cheque issuance fee of RM0.50, depending on instrument of refund requested by customers.
0% Instalment Payment PlanCancellation/Early Settlement is RM30 per request.
Sales Draft Request FeeOnly 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 CashStart from as low as 3.99% interest of total amount transferred.
No processing/penalty fee for early settlement of Ready Cash.
No processing/penalty fee for early settlement of Ready Cash.
Flexi Payment PlanStart 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 PaymentUp 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 MerchantsEnjoy rewards and discounts when you shop, dine and travel using the NEW AEON Classic or Gold Credit Card at participating merchants.
Worldwide Travel AssistanceDon’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 OptionsPay 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 AccessWith 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 RecognitionEnjoy unparalleled recognition in any corner of the world because your AEON Cards is instantly recognized at over 19 million establishment worldwide.
