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.
|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.|
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|
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.
The following can apply for AEON Bank Credit Cards:
|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%.|
In order to activate your newly approved card, you need to follow the steps given below:
For deactivating or cancelling your card, contact AEON Bank with your request for the same via any of the following channels:
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.
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.
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.
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:
For other cards:
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:
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.