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.
0% Balance Transfer
Balance Transfer allows Cardholders to transfer outstanding balances from their other Principal Credit Card accounts held with other bank(s) issued in Malaysia, to their ÆON Credit Card. The total Balance Transfer Amount and its corresponding Interest will be divided into fixed amounts based on the tenure selected (unless stated otherwise). If the monthly instalment is not paid in full after the due date, it shall be subjected to the prevailing Tiered
Minimum Monthly Repayment
5% of the outstanding balance or a minimum of RM50, whichever is higher.
Late Payment Charges
Minimum RM10 or 1% of the total outstanding balance as at statement date, 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
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
If your card is lost or stolen, the replacement card fee is RM50 per card.
Credit Balance Refund Fee
RM2 per request.
0% Instalment Payment Plan
Cancellation/ Early Settlement is RM30 per request.
Sales Draft Request Fee
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.
Card Features & Benefits
AEON MEMBER Points Redemption Programme
Get Discounts on selected items at all AEON and Max Valu Stores and start earning 2 AEON MEMBER Points for every ringgit spent!
Earn Extra Points On Selected AEON MEMBER Events Earn 2.5X points for every Ringgit you spend with your New AEON Card inside AEON Stores during AEON MEMBER Privilege Day.
AEON MEMBER Fiesta EARN EXTRA 500 AEON MEMBER Points during any AEON MEMBER Fiesta events with minimum spending of RM 200
NOTE: Points will not be issued for petrol and government department transactions.
Earn Cash Back on AEON MEMBER Day
Enjoy 2% cash back for purchases at any AEON Stores during AEON MEMBER DAY. Cash Back is capped at RM 100
Point Redemption Reward for AEON Gift Voucher
Redeem AEON Gift Voucher with lesser AEON MEMBER Points.
Instant Approval Of AEON-XPRESS Easy Payment & AEON-CASH/Executive Cash Personal Financing
Members get hassle-free and instant approval when applying for AEON-XPRESS Easy Payment or AEON Cash Personal Financing. Get easy repayments for up to 36 months, as low as 0.8% a month, from over 5,000 participating merchants nationwide.
Explore the world with your family with absolute peace of mind when you charge your flight tickets to your AEON Cards and enjoy free Flight Travel Personal Accident up to RM1,000,000.
In addition, in the event of death or permanent disablement of the principal or supplementary Cardholder, the policy will pay the outstanding credit balance as it appears in the last statement prior to his/her death, up to RM2,000 per person.
*This insurance is underwritten by MSIG Insurance and subject to terms and conditions of the respective master policies
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.
AEON Touch and Go Zing Card
Link the AEON Touch ‘n Go Zing Card to the NEW AEON Credit Card and enjoy hassle-free reloads.
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.
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
0% Balance Transfer
Balance Transfer allows Cardholders to transfer outstanding balances from their other Principal Credit Card accounts held with other bank(s) issued in Malaysia, to their ÆON Credit Card. The total Balance Transfer Amount and its corresponding Interest will be divided into fixed amounts based on the tenure selected (unless stated otherwise). If the monthly instalment is not paid in full after the due date, it shall be subjected to the prevailing Tiered Finance Charge.
* If you pay only minimum 5% of outstanding per month. ** 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.
Maxed out your credit limit? Just apply for the ÆON Credit Limit increase and enjoy greater flexibility and financial freedom.
Permanent Line Adjustment (PLA) New credit limit to suit your standard of living
Temporary Line Adjustment (TLA) 30 days for emergencies or to settle last minute purchases
AEON Member Shopping Benefits
Enjoy free parking for the first 2 hours whenever you shop at selected AEON Shopping Malls.
Collect AEON Member Points
Just present your AEON Member Card upon payment and for every Ringgit spent you will be entitled to one (1) point, which can be used to redeem exciting gifts.
Special Priced Items
Shop at any AEON Store and Pasar Raya MaxValu to enjoy more savings with our Specially Priced Items.
Exclusive Birthday Reward
Let us celebrate your big day by giving you a little extra birthday love with exclusive rewards.
Exclusive Invites & Promotions
Stay updated via Mailers and SMS and get special invites to AEON Members' Day, activities and attractive offers.
Exclusive Sign-up / Renewal Reward
Enjoy instant 100 AEON Member Points when you sign up for or renew your AEON Member Card
Discount From a wide selection of merchants
Enjoy exclusive discounts from over 500 Merchants all over Malaysia
Member Get Member Rewards*
Refer family and friends to AEON Member Card to enjoy instant 100 AEON Member Points. *Every successful sign-up also earn 100 AEON Member Points
Free Pearl Magazine*
Simply flash your AEON Member Card at any AEON Member Customer Service Counter and collect a free copy of PEARL Magazine, bi-monthly. *While stocks last
Earn AEON Member Cash Back
Earn AEON Member Cash Back worth 3% or 5% every time you shop at any general Merchandise Store (GMS). In every 6 months (January - June & July - December), your rebates shall be converted to AEON Gift Vouchers. Every RM10 worth of rebates earned allow you to redeem one (1) RM10 AEON Gift Voucher.
*Excluding AEON Members' Day / AEON Member Fiesta ** Terms & Conditions apply
AEON Member Membership Fee
Enjoy 3 years membership for the price of 2 years*! Now: RM24 Normal Price: RM36