AEON Gold MasterCard Credit Card allows cardholders to manage larger payments with ease and also provides them the chance to save on expenses by earning cashback on select expenses. The card also offers travel perks making it an ideal travel companion.
Features of AEON Gold MasterCard Credit Card
The card earns reward points at AEON Stores.
The card earns cash rebates on AEON BIG Thank You Member day.
The card comes equipped with a balance transfer plan that offers 0% interest on a tenure of 6 months.
The card comes equipped with a Flexi Payment Plan which offers tenures of 6, 12, or 18 months with a one-time upfront fee of 2.50%, 3.50%, and 5.50% respectively.
The card comes with a 0% Instalment Payment Plan which converts purchases of RM500 or more in a single receipt into affordable monthly instalments with tenures ranging from 6 to 36 months.
Benefits of AEON Gold MasterCard Credit Card
The card earns a 5% cash rebate on expenses charged to the card during the AEON BIG Thank You Member day. Cash rebates earned is capped to RM100.
The card earns AEON Reward points for every expense charged to it. The card earns points at the rate of 1 AEON Reward Point for every RM1 charged to it. Points earned can be redeemed for a variety of gifts.
Cardholders can enjoy a free travel insurance when they purchase airfare solely using the card. The policy has a cover of up to RM1 million.
Cardholders can get access to a wide range of deals and privileges from various dining, shopping, and travel merchants and can even enjoy discounts of up to 50% at select merchants.
Cardholders can make use of the AEON World Desk centre in case they need assistance in booking personalised travel packages or if they have lost their card while travelling overseas.
Applicants are required to meet the following criteria to avail this card:
The minimum age of the principal cardholder should be at least 21 years.
The minimum age of the supplementary cardholder should be at least 18 years.
The minimum annual income required is RM36,000.
Fees and Charges
Annual fees – Principal card
Annual fees – Supplementary card
Minimum monthly repayment
5% of the outstanding balance or RM50, whichever is higher.
Finance charge on purchases
Interest rate for cardholders who make prompt minimum monthly payments for 12 consecutive months is 15% p.a. Cardholders who make 10 or more payments on time in a 12-month period are charged 17% p.a. Cardholders who do not fall in the above categories are charged 18% p.a.
Finance charge on cash advance
Late payment charges
The higher of 1% of the outstanding balance or RM10. The maximum fee that can be charged is RM100.
Cash advance fee
5% of the amount withdrawn subject to a minimum fee of RM15.
Overseas transaction conversion fee
Transactions are converted using exchange rates set by Visa/MasterCard International. An additional fee of 1% is imposed as an administrative fee on the converted transaction by the Visa/MasterCard international.