AEON Platinum Visa / MasterCard
Be it daily necessities or lavish indulgences, AEON Platinum Credit Card is the perfect companion to your lifestyle.
5% Cashback at AEON and AEON BiG on the 20th and 28th of the month respectively.
Get up to RM14 rebate when you purchase movie ticket at participating cinemas.
2% Cashback on Online Utility Bills Payment.
Every RM1 = 4X AEON Points inside AEON or AEON BiG stores. Every RM1 = 1X AEON Point for other transactions.
Complimentary 6X access to Plaza Premium Lounge for Principal Cardholder.
Requirements
Minimum age
Principal: 21 years old
Supplementary: 18 years old
Supplementary: 18 years old
Minimum annual income
RM60,000
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.
Fee and Charges
Annual Fees
Principal – RM200*
Supplementary – RM100*
*First year waived, subsequent year waived with minimum combined spending of RM18,000 per year.
Supplementary – RM100*
*First year waived, subsequent year waived with minimum combined spending of RM18,000 per year.
Finance Charges
Finance Charge of the outstanding will be calculated on daily basis based on Tiered Finance Rate Structure as below:
Cash Advance Fees
5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance transaction.
Cash Advance
18% per annum of Cash Advance amount calculated on a daily basis from the day of cash withdrawal.
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.
No processing/ penalty fee for early settlement of your AEON Balance Transfer.
Minimum Monthly Repayment
5% of Current Balance, 100% Service Tax, 100% Monthly Installment 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.
Overseas Transaction
Card transactions effected 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%.
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.
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.
Card Conversion fee
RM 30 per request.
Credit Balance Refund Fee
IBG Fee of RM0.10 or cheque issuance fee of RM0.50, depending on instrument of refund requested by customers.
Sales Draft Retrieval Fee
Only request for last 3 months will be entertained.
RM 15 per copy.
RM 15 per copy.
Statement Request Fee Upon request only
Only request for last 3 months will be entertained.
RM 5 per copy.
RM 5 per copy.
Physical monthly statement fee
RM1 per month (RM12 per annum) - Applicable to new cardholders of all type of AEON Credit Cards.
0% Instalment Payment Plan
Cancellation/ Early Settlement is RM30 per request.
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 :
- 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.
(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.
Ready Cash
Start from as low as 3.99% interest of total amount transferred.
No processing/ penalty fee for early settlement of Ready Cash.
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.
Early Settlement is RM50 per request.
Card Features & Benefits
4X AEON Points at AEON and AEON BiG Stores
- Every RM1= 4X AEON Points for spending inside AEON or AEON BiG stores.
- Every RM1= 1X AEON Point for other transaction 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 400 AEON Points = RM1.
Welcome Point
- Every RM1= 3X AEON Points for petrol (MCC 5541,5542), Overseas (Transaction in foreign currency) and Dining transactions (MCC 5812,5814).
- Applicable 1 year from card approval date only.
- After 1 year, no point for petrol transactions but overseas and Dining transactions will enjoy RM1= 1X AEON Point.
- Note: All point above is AEON Points.
- The AEON Point will be credited into the Credit Card account and will be reflected in the following month’s Credit Card statement.
2% Cashback on Online Utility Bills Payment
- 2% Cashback* on Online Utility Bills Payment**
* Capped at RM25 per card account per calendar month subject to total monthly Cashback of RM15,000 on a first come first served basis.
** Applicable for online transactions with POS Mode Code “81” OR POS Condition Code “59” and MCC 4900, 4813 or 4814.
NOTE: Cashback will be credited and reflected in the following month’s statement.
Movie Ticket Rebate Every Weekday
- Get up to RM14 rebate when you purchase movie ticket as participating cinemas inside AEON Mall and selected mall.
- Rebate is only entitled for counter or kiosk purchase only.
- Rebate is only entitled for cinema ticket purchase at below Cinemas, from Monday to Friday only.
- Rebate is capping at RM14 per transaction per day.
- List of eligible malls for Movie Ticket Rebate every weekday:
Complimentary Access to Plaza Premium Lounge
Enjoy 6X access in a calendar year to Plaza Premium Lounge in Malaysia for Principal Cardholder
5% Thank you Day Special
- 5% Cashback on AEON Thank You Day every 20th of the month.
- 5% Cashback on AEON BiG Thank You Day every 28th of the month.
- Cashback will be capped at RM100 per cardholder per calendar month for both Thank You Day at AEON Stores (Every 20th) and AEON BiG (Every 28th).
Travel Insurance Coverage
Up to RM1,000,000 insurance coverage.
*This Insurance is underwritten by MSIG MALAYSIA and subject to terms and conditions of the respective master policies
*This Insurance is underwritten by MSIG MALAYSIA and subject to terms and conditions of the respective master policies
AEON Points
Every RM1 you charge to your AEON Platinum Card gives you 1X AEON Point. Accumulate your AEON Points and convert it into cash at the conversion rate of 400 AEON Points = RM1.
NOTE: Points will not be issued for petrol and government department transactions
NOTE: Points will not be issued for petrol and government department transactions
Built-in with Contactless payment function
Discover the convenience of owning the AEON Platinum Credit Card with contactless payment function. Pay by simply ‘taping’ your card when prompted by the contactless reader at checkout. It’s that easy!
Marvellous Privileges with Merchants
Be sure to leave home with your AEON Platinum Card. It is the preferred card of a wide selection up to 250 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 discounts and great rewards! Also, when you plan for your vacation, check out the great discounts on room rates at participating hotels.
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 Platinum Card is instantly recognised at over 19 million establishments worldwide.
Numerous Repayment Options
Pay at any AEON CREDIT Cash Deposit Machine, payments through MEPS InterBank GIRO at any participating banks branches or internet banking.
Instant Approval of Consumer Durable Easy Payment
With your AEON Platinum 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 Platinum 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 Platinum Card.
Value Added Benefits
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.
There is no processing fee and penalty for early settlement of your AEON Ready Cash plan.
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!
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!
* 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.
** 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.
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.
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:
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:
Cash Advance
Stop worrying and start living your life! ÆON Credit Cash Advance offers instant cash anywhere, anytime. It’s that simple and convenient!
Credit Limit Increase
Maxed out your credit limit? Just apply for the ÆON Credit Limit increase and enjoy greater flexibility and financial freedom.
Permanent Increase in Credit Limit
New credit limit to suit your standard of living
Temporary Increase in Credit Limit
2 months for overseas travel, medical, education, hospitalization and compassionate purposes
Permanent Increase in Credit Limit
New credit limit to suit your standard of living
Temporary Increase in Credit Limit
2 months for overseas travel, medical, education, hospitalization and compassionate purposes
