Motorcycle Association Affinity Gold Visa

Free Your Mind

Overview

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

Cashback

0.7% Cashback for Mforce

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 Motorcycle Association Affinity Gold Visa.

AEON Points

1X AEON Point for every RM1 spent 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.

How To Redeem AEON Points

Cashback

Enjoy 0.7% cash rebate when you charge Mforce transaction to your card.

Free Access to Plaza Premium Lounge in Nationwide International Airports

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

Up to RM200,000 insurance coverage.

*This insurance is underwritten by MSIG Malaysia and subject to terms and condition 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

Annual Fees

Free For Life (Annual fees waived for both Principal and Supplementary Cardholders).

Joining Fees

The fees are waived for all types of cards (unless stated).

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 Fees

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

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 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.

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).

Eligibility

Exclusive for Members of Malaysia Motorcycles & Scooter Dealers Association only.

Free Insurance Coverage

Explore the world with your family with absolute peace of mind when you charge your flight tickets to your AEON Cards and enjoy free Flight Travel Personal Accident up to RM200,000.

In addition, in the event of death or permanent disablement of the principal or supplementary cardholder, the policy will pay the outstanding credit balance as it appears in the last statement prior to his/her death, up to RM1,000 per person.

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

Download Terms & Conditions

Marvellous Privileges with Merchants

Be sure to leave home with your AEON Classic Card. It is the preferred card of a wide selection of 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 up to 50% discounts and great rewards! Also, when you plan for your vacation, check out the great discounts on room rates at participating hotels.

Worldwide Travel Assistance

If you misplace your AEON Classic Card, simply contact our AEON World Desk Centre. We provide personalised services and global assistance for lost/stolen cards and hotel reservations. You’ll also enjoy Visa’s emergency assistance 24 hours a day.

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 Classic Card is instantly recognised at over 19 million establishments worldwide.

Numerous Repayment Options

Pay at your convenience at AEON Credit Service locations over the counter or at any AEON Credit Cash Deposit Machine available.

Alternately, you can make payments through MEPS InterBank GIRO at any participating bank’s branches or internet banking. Or pay over the counter at POS Malaysia outlets available nationwide.

Free For Life

Annual fees waived for both Principal and Supplementary Cardholders.

Instant Approval of Consumer Durable Easy Payment

With your AEON Gold 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 Gold 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 Gold Card.

Terms & Conditions apply.

FAQs

What is Motorcycle Association Affinity Gold Visa Card?
Motorcycle Association Affinity Gold Visa Card is a co-brand Credit Card issued in collaboration with Malaysia Motorcycle & Scooter Dealers Association.
Who is eligible to apply for this card?
This card is open exclusively to individuals receiving invitation from AEON Credit Service or Motorcycle and Scooter Dealers Association (MMDSA) with earnings of minimum income of RM 36,000 per annum.
How do I apply for this card?
Our sales representative will assist in the application processing or alternatively applicants may contact Motorcycle and Scooter Dealers Association (MMDSA) for assistance.
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 social visit pass.
How much is the annual fee charges for this card?
This card offers Free for Life for both Principal and Supplementary account holders.
What are the features and benefits of this card?
AEON Points
• 1X AEON Point for every RM1 spent

Cashback
• 0.7% Cashback for Mforce transactions

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.