New AEON Classic Visa / Mastercard
Enjoy 5% Cashback on the 20th of every month and earn 2X AEON POINTS for every RM1 spent at AEON stores.

Get 5% Cashback on the 20th of every month at AEON Stores.

Earn 2X AEON Points everyday for every RM1 spent at AEON Stores.

Earn 4X AEON Points on the 10th of every month at AEON Stores.
Savings Calculator
Requirements

Minimum age:
- Principal: 21 years old
- Supplementary: 18 years old

Minimum annual income:
RM24,000

Documents required (non-returnable):
- NRIC (both sides) including Supplementary card applicant(s) NRIC (if applicable)
- Latest 3 months payslip / Form BE / EA / Latest 6 Months payslip for commission earners.
- Business Registration Certificate or Form 9/24/49.
- Latest 6 months Company Bank Statements.

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.
Fees & Charges

Annual Fees
Principal – RM30*
Supplementary – RM20*
*First year waived, subsequent year waived with minimun of 12 transactions per year.
Supplementary – RM20*
*First year waived, subsequent year waived with minimun of 12 transactions 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
18% p.a. of the cash advance amount calculated on a daily basis from the day (after) cash disbursement.

Cash Advance Fees
A fee of 5% or such other rate as AEON Credit may prescribe from time to time shall be imposed on the amount of each cash advance (subject to a minimum of RM15.00) and charged to the Card Account.

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.

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 or any amount lesser than the statement balance before / on the payment due date and revolve their previous month's
outstanding balances, will be charged finance charges as per applicable tiered structure for all retail
transactions from posting date of the retail transactions

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%.

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.

Credit Balance Refund Fee
IBG Fee of RM0.10 or cheque issuance fee of RM0.50, depending on instrument of refund requested by customers.

0% Instalment Payment Plan
Cancellation/ Early Settlement is RM30 per request.

Sales Draft Request Fee
Only request for last 3 months will be entertained.
RM15 per copy.
RM15 per copy.

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 : (1) you had in good faith and with reasonable care and diligence safeguarded your credit card or PIN from risk of loss, theft, unauthorized usage or disclosure; AND (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.
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.
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 : (1) you had in good faith and with reasonable care and diligence safeguarded your credit card or PIN from risk of loss, theft, unauthorized usage or disclosure; AND (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.
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.

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

AEON Points
- 4X AEON Points for every RM1 spent at all AEON Stores nationwide every 10th of the month.
- 2X AEON Points for every RM1 spent in all AEON Stores nationwide every day. (Except 10th of the month).
- 1X AEON Point for every RM2 spent on other transactions 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.

Cashback
5% Cashback at AEON Stores on 20th of every month, capped at RM100 per card account per calendar month
NOTE: Cashback will be credited and reflected in the following month’s statement.
NOTE: Cashback will be credited and reflected in the following month’s statement.

Instant Approval of Consumer Durable Easy Payment
Up to 36 months for as low as 0.8% per month*. Application will be approved instantly without reducing the available spending limit on your Card.
Terms & Conditions apply.
Terms & Conditions apply.


Marvellous Privileges With Merchants
Enjoy rewards and discounts when you shop, dine and travel using the NEW AEON Classic or Gold Credit Card at participating merchants.

Worldwide Travel Assistance
Don't worry if you've misplaced your AEON Card. Our AEON World Desk Centre provides personalised services and global assistance from lost/stolen cards to hotel reservations. You'll also enjoy Visa's / MasterCard emergency assistance services 24 hours a day.

Numerous Payment Options
Pay at your convenience at AEON Credit Service outlets or any AEON Credit Cash Deposit Machine. Alternatively, through MEPS Interbank GIRO, internet banking or over the counter at POS Malaysia outlets nationwide.

Convenience of Global Cash Access
With Visa PLUS and MasterCard Cirrus ATMs, you'll have access to over 810,000 ATMs worldwide including over 3,800 ATMs in Malaysia. Now convenience is at your fingertips.

International Recognition
Enjoy unparalleled recognition in any corner of the world because your AEON Cards is instantly recognised at over 19 million establishment worldwide.
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