Grab a credit card that gives you better rewards & more!

AEON Cards 0% Installment Payment Plan

The 0% Installment Payment Plan (IPP) from AEON Credit Service (M) Berhad is a flexible payment facility that’s meant to make large purchases more affordable. With this payment plan, you can convert large purchases made at participating outlets in to smaller, affordable monthly Installments.

Features of AEON Cards 0% Installment Payment Plan

Installment Period Interest Rate (p.a.) Minimum Amount
Up to 36 months 0% -


  • No finance charges are applicable on Installments paid by the due date for purchases made with eligible cards.

  • Free Installments up to a repayment tenure of 36 months.


  • You must have an AEON credit card that offers 0% IPP

  • The scheme is applicable only for retail transactions made in a single receipt.

  • The facility is available on purchases made with select merchants alone (mentioned in the table above).

List of Credit Cards Featuring the 0% Installment Payment Plan

Credit Card
Key Benefits
Interest Rates
Annual Fee
Know More

Earn cashback of up to 5% on petrol every Sunday

15% p.a. - 18% p.a.

RM30 (waived with a minimum of 12 transactions in a year)

Get 5% cashback on the AEON BiG Thank you Member Day i.e., 28th of every month

15% p.a. - 18% p.a.

RM95 (waived with a minimum of 12 transactions in a year)

Purchase movie tickets at participating cinemas and get a rebate of RM14

15% p.a. - 18% p.a.

RM200 (waived on combined spend of RM18,000 per year)

Get 1 Reward Point for every RM1 spent using the card

15% p.a. - 18% p.a.


Get 1 Reward Point for every RM1 spent using the card

15% p.a. - 18% p.a.


Get 1.1% cashback when you pay your Pacific & Orient motorcycle insurance premium

15% p.a. - 18% p.a.


How Does the AEON Cards 0% Installment Payment Plan Work?

  • The tenure can be selected depending on the merchant’s consent, available credit limit in your card, and the purchase amount.
  • The total Installment plan amount will be reduced from the available credit limit. This amount will not be available for further purchases.
  • Once the Installment is paid every month, the amount will be credited back to your card and will show up as an increase in the credit limit.
  • If you fail to pay the Installment or if you choose to pay only the minimum payment i.e., 5% of the outstanding balance, then the 0% Installment Payment Plan will cease to exist and interest charges will be applicable on the unpaid amount.

How Do You Apply for AEON Cards 0% Installment Payment Plan?

  • Online Transactions: Select the option of 0% IPP on the payments page.
  • Offline Transactions: Fill out and sign the 0% IPP Direct Debit Authorisation Form.

Annual fees for the first year has been waived for all AEON credit cards mentioned above. The annual fees that’s mentioned is applicable from the second year of card usage.

No matter what kind of purchase you make at any of the merchant partner stores, you can now convert them in to affordable monthly Installments that come with 0% interest. All you need to do is use your AEON credit card to pay for as many purchases as possible at partner outlets.

FAQs on  AEON Cards 0% Installment Payment Plan

Q. Can I pay the complete outstanding amount before the Installment tenure ends?

A. Yes. You can pay the complete outstanding balance before the end of the Installment tenure. However, you will have to pay an early settlement fee of RM30.

Q. Does the 0% IPP scheme work for online transactions?

A. Yes. The 0% IPP scheme can be used for online transactions too.

Q. What are the other value-added benefits of an AEON credit card?

A. The other value-added benefits of AEON credit cards are:

  • 0% Balance Transfer.
  • Flexi Payment Plan.
  • Cash Advance.
  • Credit Limit Increase Option.

Q. What happens if I die before completing the repayment under this scheme?

A. In case of your demise, the bank would require your legal inherit to pay the remaining balance.

Q. What are the modes available to make payments to the bank?

A. The payment options available are:

  • Bank counter.
  • Service centre.
  • Cash deposit machine.
  • Cheque deposit machine.
  • ATM machine.
  • Interbank GIRO service.
  • Internet banking.
This Page is BLOCKED as it is using Iframes.