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    Best AEON Credit Cards

    AEON Credit Cards that you can use to get cashback, rewards points, and many deals and discounts with retail purchases, bill payments, and insurance cover purchases. You can choose from a list of cards available according to your daily needs.

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    Features and Benefits

    • You will get a complimentary supplementary card with your AEON credit card.
    • A number of cards come with a Touch ‘n Go Zing Card that gives you a faster way to make payments.
    • You can use your AEON credit card anywhere in the world at over 1 million ATMs.
    • You can track the actions performed on your card via monthly e-statements.
    • A range of AEON cards come with a complimentary travel insurance coverage.
    • AEON cards come with features like flexi payment plan and instalment payment plan that let you split the total bill of your purchase into affordable monthly instalments.
    • You can transfer the outstanding balance of any other bank’s credit card on to your AEON card at a rate as low as 0% p.a. via the balance transfer feature on your card.
    • You can use your card to carry out offline and online retail transactions as well as to get access to instant cash.
    • AEON cards come with a 20-day interest free period from the date of statement release.
    • The annual fee for the first year is waived for all AEON credit cards.
    • There is no joining fee for any of the cards offered by AEON Bank.

    AEON Credit Cards – An Overview

    Card namen Ideal for Key benefit Annual fee Annual income requirement Interest rate
    AEON BiG Visa Classic Card Purchasing petrol on Sundays and purchasing at AEON BiG stores. Get up to 5% cash rebates at AEON BiG and petrol purchases. RM30 RM24,000 15-18% p.a.
    AEON BiG Visa Gold Card Making purchases at AEON BiG stores and for purchasing petrol. Earn a cashback of up to 5% on petrol and AEON BiG store purchases. RM95 RM36,000 15-18% p.a.
    New AEON Gold Visa Making purchases at AEON stores. Earn a cash rebate of up to 5% and up to 4X AEON MEMBER Points with purchases made at AEON stores. RM95 RM36,000 15-18% p.a.
    New AEON Gold MasterCard Making purchases at AEON stores. Earn a cash rebate of up to 5% and up to 4X AEON MEMBER Points with purchases made at AEON stores. RM95 RM36,000 15-18% p.a.
    New AEON Classic Visa Making purchases at AEON stores. Get a cashback of up to 5% and 2X AEON MEMBER Points with purchases made at AEON stores. RM30 RM24,000 15-18% p.a.
    New AEON Classic MasterCard Making purchases at AEON stores. Get a cashback of up to 5% and 2X AEON MEMBER Points with purchases made at AEON stores. RM30 RM24,000 15-18% p.a.
    AEON Gold Visa Retail purchases and free airport lounge access. Earn 1 Reward Point with every card usage and 3X complimentary access to Plaza Premium Lounge across the nation. RM95 RM36,000 15-18% p.a.
    AEON Gold MasterCard Retail purchases and free airport lounge access. Earn 1 Reward Point with every card usage and 3X complimentary access to Plaza Premium Lounge across the nation. RM95 RM36,000 15-18% p.a.
    AEON Classic Visa Retail purchases. Earn 1X Rewards Points with every RM1 charged on your card. RM30 RM24,000 15-18% p.a.
    AEON Classic MasterCard Retail purchases. Earn 1X Rewards Points with every RM1 charged on your card. RM30 RM24,000 15-18% p.a.
    Motorcycle Association Affinity Gold Visa Paying motorcycle insurance premium and access to airport lounges. Get a cashback of 1.1% on Orient and Pacific motorcycle insurance premium and get 3X complimentary access to Plaza Premium Lounge within the country. Waived RM36,000 15-18% p.a.

    Best AEON Credit Cards

    AEON BiG Visa Gold Card: Best for Cashback

    • Earn a cash rebate of up to 5% on retail purchases on AEON BiG Thank You Member Day, i.e. 28th of every month.
    • The cashback is capped at RM100 per month.
    • Get a cash rebate of 5% at AEON BiG stores when you make the payment using Visa payWave.
    • Get a cashback of 5% on petrol purchases every Sunday that is capped at RM25 per month.
    • Earn a cashback of 2% on all online retail purchases and purchases made overseas.

    New AEON Gold Visa/MasterCard: Best for Rewards

    • Shop at AEON stores on every 10th of the month and earn up to 4X AEON MEMBER Points.
    • On other days, get 2X AEON MEMBER Points when you shop at AEON stores.
    • Get a cashback of 5% on purchases made at AEON stores on 20th of every month.
    • Earn cash rebate of 2% on all purchases on AEON MEMBER Day.

    AEON Platinum Visa Card: Best for Travel

    • Get  complimentary access to Plaza Premium Lounge 6 times per calendar year.
    • For the first year, every RM1 you spend overseas will earn you 3 AEON Points.
    • Get a complimentary travel insurance coverage of up to RM1 million when you book your travel using this card.
    • Get 5% cashback on purchases made at AEON and AEON BiG stores on 20th and 28th of every month, respectively.
    • Earn a cash rebate of 2% on online bill payment and up to RM14 off on movie tickets at participating cinemas.

    AEON BiG Visa Classic Card: Best for Online Shopping

    • Earn a 2% cash rebate on online shopping every day.
    • Get a cash rebate of 2% on all overseas spends.
    • Earn 5% rebate on your purchases when you pay via Visa payWave.
    • Enjoy a cash rebate of 5% on petrol purchases on Sundays.
    • Get up to 5% cash rebate on purchases made at AEON BiG stores on 28th of the month.

    Motorcycle Association Affinity Gold Visa: Best for Insurance

    • Get a cashback at the rate of 1.1% when you use your card to pay premiums of Pacific and Orient motorcycle insurance.
    • Get a travel insurance coverage of RM1 million when you book your flight and travel using this card.
    • With every RM1 charged to this card, earn 1 AEON Reward Point.
    • Enjoy 3X complimentary access to nation’s Plaza Premium Lounges.

    Rewards Programme

    • Redemption Rewards Program: You can turn the Member Points you’ve earned on your card into cashback under this program. This includes the points earned with purchases at AEON BiG and AEON stores.
    • Year Long Privileges: You can enjoy a range of discounts and deals on shopping, dining, and hotels at more than 500 participating outlets across the nation.
    • Point Redemption Reward Offer: Redeem the Rewards points earned on your card to get AEON gift vouchers.

    AEON Credit Card Promotions

    • Get a discount of up to 63% on Lost World Hotel room rate and a discount of 35% on admission ticket of Sunway Lost World of Tambun with your AEON card. The offer is valid till 31 December 2018.
    • Enjoy a discount of 60% on 12” X 18” canvas printing via Photobook Malaysia. The offer is valid till 31 December 2018.
    • Get a cashback of 10% on online shopping via RebateMango. The offer is valid till 8 October 2018.

    Payment Plans

    • Consumer Durable Easy Payment and AEON i-CASH Personal Financing Scheme: The scheme lets you renovate and beautify your home, buy jewellery and watches, and go for a holiday with an easy payment plan of up to 48 months. AEON i-CASH Personal Financing Scheme helps you access extra funds faster during  times of need.
    • 0% Balance Transfer: Balance transfer feature on your AEON card helps you transfer outstanding balance from any other bank card to your AEON card. You can enjoy this service at 0% p.a. for 6 months.
    • 0% Instalment Payment Plan: You can buy latest cell phone gadgets and other electrical items and convert the total bill into easy and affordable monthly instalments for up to 36 months at the rate of 0% p.a. This service is valid only at the participating merchants.
    • Flexi Payment Plan: With this service, you can convert the bill of your purchases into affordable monthly instalments with a one-time upfront fee.
    • AEON-Xpress Easy Payment: AEON Bank’s Xpress Easy Payment facility lets you pay the bill of your purchase at more than 5,000 participating merchants in form of easy instalments for a period of 84 months at an interest rate of as low as 0.5% per month.

    Balance Transfer Plans

    Let’s look at the working mechanism of balance transfer service by AEON Bank using the following illustration for a balance transfer over a period of 6 months:

    Amount to be transferred Other banks’ interest at 18% p.a. (Assuming only the minimum payment, i.e. 5% is being made) Processing fee AEON balance transfer interest rate Savings
    RM1,000 RM81.91 RM0 0% p.a. RM81.91
    RM2,000 RM164.66 RM0 0% p.a. RM164.66
    RM3,000 RM246.99 RM0 0% p.a. RM246.99
    RM4,000 RM329.32 RM0 0% p.a. RM329.32
    RM5,000 RM411.65 RM0 0% p.a. RM411.65
    RM10,000 RM823.3 RM0 0% p.a. RM823.3
    RM15,000 RM1234.94 RM0 0% p.a. RM1234.94

    Insurance Plans

    Travel Insurance: A range of cards offered by AEON Bank come with a travel insurance coverage of up to RM1 million. The insurance policy also covers the events of baggage delay, baggage loss, wallet theft, travel delay among many other inconvenient events.

    Eligibility Criteria

    Nationality Requirement

    The following can apply for AEON Bank Credit Cards:

    • Malaysian citizens, and
    • Foreigners working in Malaysia with a passport and valid work permit.

    Age Requirement

    • Minimum age required for primary card: 21 years.
    • Minimum age required for supplementary card: 18 years.

    Income requirement

    • AEON BiG Visa Classic Card: RM24,000 p.a.
    • AEON BiG Visa Gold Card: RM36,000 p.a.
    • New AEON Gold Visa/MasterCard: RM36,000 p.a.
    • New AEON Classic Visa/MasterCard: RM24,000 p.a.
    • AEON Gold Visa/MasterCard: RM36,000 p.a.
    • AEON Classic Visa/MasterCard: RM24,000 p.a.
    • Motorcycle Association Affinity Gold Visa: RM36,000 p.a.
    • AEON Platinum Visa Card: RM60,000 p.a.

    Documents Required

    For Salaried earners

    • One copy of MyKad for primary as well as supplementary cardholder or passport and VISA.
    • One of the following documents:
      • Salary slips for the 3 recent months.
      • BE form with tax payment receipt.
      • Latest EA form.
    • For commission earners: Payslips for the 6 latest months.

    For Self-employed individuals

    • One copy of MyKad.
    • One copy of Business Registration form or form 9/24/49.
    • One of the following:
      • Company’s bank statements for the 6 recent months.
      • Form B with tax payment receipt.

    For AEON BiG Visa Classic and Gold Card

    • One copy of AEON BiG Member Card (only front side).

    Fees and Charges

    Fee Amount
    Annual Fee (Primary cards) AEON BiG Visa Classic Card: RM30.
    AEON BiG Visa Gold Card: RM95.
    New AEON Gold Visa/MasterCard: RM95.
    New AEON Classic Visa/MasterCard: RM30.
    AEON Gold Visa/MasterCard: RM95.
    AEON Classic Visa/MasterCard: RM30.
    Motorcycle Association Affinity Gold Visa: No charge.
    AEON Platinum Visa Card: RM200.
    Annual Fee (Supplementary cards) AEON BiG Visa Classic Card: RM20.
    AEON BiG Visa Gold Card: RM60.
    New AEON Gold Visa/MasterCard: RM60.
    New AEON Classic Visa/MasterCard: RM20.
    AEON Gold Visa/MasterCard: RM60.
    AEON Classic Visa/MasterCard: RM20.
    Motorcycle Association Affinity Gold Visa: No charge.
    AEON Platinum Visa Card: RM100.
    Retail interest rate 15-18% p.a.
    Cash advance interest rate 18% p.a.
    Cash advance fee A minimum of RM15 or 5% of the cash withdrawn, whichever is higher.
    Minimum monthly payment 5% of the outstanding balance or a minimum of RM50, whichever is higher.
    Late payment fee RM10 or 1% of the outstanding balance, whichever is higher (capped at RM100).
    Overseas transaction fee To be determined by MasterCard or Visa International’s exchange rate plus a service fee of 1%.

    Activating or Cancelling Credit Card

    In order to activate your newly approved card, you need to follow the steps given below:

    • Go to AEON Credit Service official website.
    • Go to ‘Activate Your Card’ section.
    • Enter the required details, i.e.
      • IC type.
      • IC number.
      • Credit card number.
      • Expiry date mentioned on the card.
    • Agree to terms and conditions.
    • Submit your request.

    For deactivating or cancelling your card, contact AEON Bank with your request for the same via any of the following channels:

    • Customer service numbers: +603-2719 9999.
    • Email: customer.service@aeoncredit.com.my.
    • Visit any branch of AEON Bank.

    Credit Card Statements

    In order to receive an e-statement of your credit card on a monthly basis, you need to register for the same on the official website of AEON Credit Service. By doing this, you can view or receive your monthly statement on your registered email address.

    Whereas if you wish to receive a physical copy of your monthly statements, you will be charged with a fee of RM12 p.a. for your credit card statements.

    Security Features

    • Embedded EMV chip: Your AEON card comes with an inbuilt security feature in the form of an embedded EMV chip on your card. This helps in preventing any fraudulent transaction.
    • 3D-secure shopping and OTP (One-time password): 3D-secure is an XML-based protocol that helps you carry out a secure transaction for online shopping. This is a free-of-charge facility that adds another layer of protection to your online shopping transactions and prevents any online theft. When you’re carrying out a transaction for your online shopping, you will receive a one-time password on your registered phone number to verify the legality of the transaction.

    Lost Card Liability

    In case of a lost or stolen card, you need to immediately inform AEON Credit Service about the same in order to avoid any misuse of fraudulent transactions on the card. Doing so would limit your liability to a maximum amount of RM250. If you fail to notify the bank about the loss or theft of the card, you will be held solely liable for any unauthorised or fraudulent transactions.

    How to Increase/Decrease the Credit Limit

    You can modify the designated credit limit on your credit card on temporary as well as permanent basis. Temporary credit limit increase can be opted for a maximum of 2 months in cases of emergencies, travel, education, and compassionate purposes. This can be done by directly contacting the bank via its customer service numbers and requesting for the same.

    Whereas if you want to permanently increase your card’s credit limit, you need to submit proof of increment in your income by providing 3 to 6 months’ salary slips. You might also need to submit additional documents like latest EA form, EPF statement, or tax payment receipt in such cases. You are required to submit these documents along with the duly filled credit limit modification application form available on AEON Credit Service’s official website.

    Frequently Asked Question’s

    Q. What are the ways to get annual fee waiver on my AEON card for the second year onwards?

    A. To get an annual fee waiver on your AEON Platinum Visa Card second year onwards, you need to charge the card with RM18,000 p.a. or more. To get the annual fee waived for any other card, you need to swipe your card at least 12 times per calendar year.

    Q. What are the charge I need to bear to get my card replaced?

    A. The following are the charges associated with AEON credit card replacement:

    For AEON Platinum Visa Card/AEON BiG cards:

    • First card replacement: RM35.
    • Subsequent card replacement: RM50.

    For other cards:

    • First card replacement: RM50.
    • Subsequent card replacement: RM50.

    Q. Can I change the PIN of my card?

    A. Yes, you are required to change the first PIN you receive with your card at any AEON ATM.

    Q. What if I enter a wrong PIN while performing a transaction on my card?

    A. If you put a wrong PIN more than 3 times, your PIN will get blocked. In such cases, you need to contact AEON Credit Service via its customer service numbers to get a new PIN released.

    Q. How much cash can I withdraw using my AEON credit card?

    A. You can withdraw a maximum of RM3,000 per day using your AEON credit card.

    Q. How can I load funds onto my Touch ‘n Go Zing Card?

    A. Your Touch ‘n Go Zing Card comes with an automatic reload option where an amount of RM100 gets loaded onto your card with a service fee of RM2.

    Q. Is the lock-in period the same for the balance transfer plan, Flexi Payment Plan, and Instalment Payment Plan?

    A. No, the lock-in period varies from service to service.

    Q. What are the early payment charges associated with the balance transfer plan, Flexi Payment Plan, and Instalment Payment Plan?

    A. The early settlement charges for these services are given below:

    • Balance transfer plan: No charge.
    • Flexi Payment Plan: RM50.
    • Instalment Payment Plan: RM30.

    Q. When can you opt for a permanent increase in the credit limit of AEON card?

    A. You can opt for a permanent increase in your card’s credit limit if there’s a permanent increase in your income and you haven’t opted for the credit limit increase in the past 12 months.

    Q. What do I need to do if I want to change the contact details given to AEON Credit Service?

    A. You can contact AEON Credit Service if there’s a change in your contact details via its customer service numbers or reach out to the institution by visiting any of its branches across the nation.

    AEON Credit Service offers you a range of cards that you can choose from according to your lifestyle and everyday needs. In order to find the best card for yourself, you need to compare the cards from your preferred category on the basis of benefits and privileges you can enjoy.

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