Security Tips
Anti Phishing Protection
Phishing is the attempt to acquire sensitive information such as usernames, passwords, and credit card details often for malicious reasons, by masquerading as a trustworthy entity in an electronic communication. Anti-phishing is a measure to counter phishing when you log into your account.

An anti-phishing phrase will be assigned to you upon registration. Always look for these words before entering your password during login. If you ever see an unfamiliar phrase, do not continue and report the issue to us along with the website address found in the browser at
Scam Alert
Beware of Scams Using Phone Calls Requesting Personal Information / Banking Information / Payment For Credit Card Transactions.AEON Credit Service (M) Berhad would like to remind members of the public to be more vigilant when receiving any calls claiming that it is from AEON Credit Service (M) Berhad or Bank Negara Malaysia or any commercial banks.

The facts are that:
  • Card number starting with 5440 74 & 5400 74 is not registered to AEON Credit Service (M) Berhad or to any other banks in Malaysia.
  • 03-­2719-9999  &  03-­2698-8044  numbers are generated by the fraudster using special “VOIP” device in order for victims to see that the phone numbers appear to be genuine and belongs to AEON Credit & Bank Negara Malaysia.

Based on recent complaints received by AEON Credit Service (M) Berhad, there has been an increase in incidents of fraudsters making such calls to unknowing  members of the public in order to fraudulently obtain their personal banking information, with the aim of siphoning monies from their accounts.  

From investigations, the latest modus operandi of the scam is as follows:  
  1. Victim receives telephone call from 'AEON Credit Service' requesting victim to make a payment for their ‘AEON credit card’ outstanding balance. The fraudster would also highlight recent transaction which is not valid in order to sound more convincing.
  2. When the victim informs the fraudster that he / she has no such credit card or transaction, the fraudster will sound concerned and will advise victim to lodge a report with Bank Negara Malaysia's “Unit Kad Kredit Palsu” or report to AEON Branch. The fraudster will provide the victim with the telephone number for the “Unit Kad Kredit Palsu”. Instead of letting the victim call Bank Negara Malaysia number, the fraudster will transfer the call to a “PIC” from Bank Negara Malaysia and they will inform the victim that the call is to be recorded. Then the victim will receive another phone call claiming to be from Bank Negara Malaysia. 
  3. When the victim is persuaded by their concern, the fraudster will request for information relating to the victim's banking and credit card accounts. The fraudster will then instruct the victim to transfer money over the counter to a third party account on the pretext of safeguarding the victim's money. In other cases, fraudsters will request for information relating to the victim's banking and credit card accounts to illegally transfer funds out of the victim's bank account. 

  1. Please be reminded to ignore such call / sms / email and to refrain from giving personal banking information to anyone under any circumstances. Financial  institutions, including credit card issuers and Bank Negara Malaysia and all banking institutions will never request for personal banking information when contacting customers, be it via telephone calls, SMS or emails. 
  2. Lodge a police report 
  3. Walk­ing to any nearest AEON Credit branch / Call customer Care Line at 03-­2719-9999 / Email to

WANT TO KNOW MORE on financial scams activities, visit the financial fraud alert site at
One-Time Passcode (OTP) for Online Shopping
Enjoy our new security feature that gives you a safer and more convenient online shopping experience when you use your AEON Cards.

Each time you wish to make a purchase online with your AEON card, we will verify your identity by asking you to enter a “One Time Passcode” (OTP), which is a 6-digit password sent automatically to your mobile phone during the payment process.

Your OTP is only valid for one transaction and 3 minutes from the time of generation before it expires. So you can rest assure that no one but you could use your card online! All you need to do is make sure your current mobile phone number is registered with AEON Credit Service.For enquiries or to update your mobile number, please contact our Customer Care at +603-2719 9999 or visit our branch.
Browse safely with SSL Encryption
All data is secured using SSL encryption so you will always have peace of mind whilst using our website. We use the most complete EV SSL certificate that offers the highest levels of trust and authentication. Our SSL certificate is backed by GlobalSign and you can click on the seal below to verify that the authenticity of our certificate.

Features & Benefits
Provides a high level of protection for online shoppers.

- No registrations required - Just register or update your current mobile number with us.
- Need not create a password - It saves you the trouble of remembering your password.
- Hassle-free authentication process - No “security information” required except OTP.
- Service is free-of-charge.
How To Get Started?
To make an online purchase with your AEON credit card:

Step 1: Register your current mobile phone number with AEON Credit Service if you have not done so previously. To update, please contact our Customer Care at +603-2719 9999 or visit our branch.

Step 2: Provide your card particulars on the merchant webpage.

Step 3: You will then be directed to AEON Credit Service's authentication page. OTP will be sent to your mobile phone automatically.

Step 4: Enter your OTP and Click “Submit” to complete your authentication. You will be notified on the status of your transaction at the end.
Frequently Asked Questions (FAQ)
Q. What is One Time Password (OTP) Solution for Online Shopping?
A. One Time Passcode (OTP) for Online Shopping is a solution to enhance the Credit Card authentication process during online purchases to provide you with greater convenience and better security. An OTP is a 6-digit password sent to your mobile phone when you are attempting to make an online purchase. OTP for Online Shopping is an extension of VBV/MasterCard SecureCode, 3D-Secure solution and is fully adaptable to the 3D-Secure architecture and protocol defined by VISA/MasterCard. This dynamic authentication system is in line with Bank Negara Malaysia's proposed guidelines on Credit/Debit cards.

Q. What is 3D-Secure?
A. 3D-Secure is an XML-based protocol used as an added layer of security for online Credit Card transactions. It was developed to improve the security of Internet payment/purchase processes and offered to you free-of-charge, as the Verified by VISA and MasterCard SecureCode.

This service is only available at 3D Secure merchant sites where an additional password protection is required to authenticate the customer during a purchase via the Internet.

Q. How would I know if the merchant website is a 3D site?
A. Look out for Verified by Visa or MasterCard SecureCode logo(s) at the merchant website.

Q. How does the OTP works?
A. All online transactions made through 3D Secure Website using your AEON Credit Card will require a “One Time Passcode” (OTP) in order to be processed. An OTP will be sent to your registered mobile phone within 2 minutes of submitting your card details for payment request on the merchant website. Each OTP received is only valid for one single transaction and for use within 3 minutes of generation. If your OTP becomes invalid due to inactivity, you are able to request for OTP to be sent again to your mobile phone.

Q. When will this change take effect?
A. OTP for Online Shopping will be initiated from 28 December 2011 onwards for AEON MasterCard, and February 2012 onwards for AEON Visa Credit Cardholders. Therefore, please remember to update your latest mobile number with AEON Credit Service

Q. Do I have to register to use OTP if I have no prior online shopping experience with an AEON Card?
A. No, but you need to ensure that your current mobile phone number is registered with AEON Credit Service as the OTP will be sent based on your contact details in our record.

Q. How can I register/update my contact details?
A. You can contact our Customer Care at +603-2719 9999 or visit any of AEON Credit Service branches to update your contact details.

Q. How do I check whether the OTP has been sent to my registered or latest updated mobile phone number?
A. When you reach the authentication page during a payment process, the first and last three digits (For example: +6012 xxx x999) of your mobile number will be displayed. If it does not match your mobile number, please contact our Customer Care to update your latest details.

Q. How do I request for an OTP at a merchant website?
A. You do not need to request for an OTP at the first instance. When you reach the page for payment request, an OTP will be automatically sent to your mobile phone. You would only need to click on the link to request a new OTP if you do not receive your OTP within 2 minutes..

Q. How many transactions can I perform in a day using OTP?
A. There is no limit for the number of transactions you can perform, i.e. you can purchase online as many times as you wish provided that your card is in good standing.

Q. What if i do not receive the OTP? Can I request for new one to be sent?
A. Yes. If your first OTP becomes invalid or if you do not receive it within 2 minutes, you will need to click on the link to request a new OTP on the authentication page. We will re-send to you a different and new OTP.

Q. What if I exceeded the maximum times of OTP request in a day for one transaction?
A. The maximum OTP resend requests for one transaction is 2 times, but this does not affect the OTP resend requests times for other transactions you would like to make unless you hit the maximum invalid authentication (3 times), where your account will be locked for security reasons. To unlock your account, please contact our Customer Care at +603-2719 9999.

Q. What happens if my computer crashes or I got disconnected from the Internet after I have entered the OTP and submitted the payment request?
A. Please contact our Customer Care at +603-2719 9999 to verify if the payment has been successful or not.