AEON MasterCard Gold
Get up to 8% cashback and earn AEON Points on selected spending. Escape from boredom before boarding with 3x free access to participating Plaza Premium Lounge in Malaysia.
Collect Cashback & RewardsProduct summary
- Min. Income
- RM3,000/month
- Annual Fee
- Free*
- Cashback
- up to 8%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
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Apple Macbook Air M3
worth RM4999
when you apply through RinggitPlus *
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Cashback
Enjoy 8% cashback when you shop during AEON and AEON BiG Thank You Day, and 5% cashback when you spend on dining, capped at RM100 and RM25 per card, respectively. The earned cashback will be credited and reflected in the following month's statement.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| AEON and AEON BiG Thank You Day (Every 20th and 28th of the month, respectively) | 8% | RM100 | any amount monthly |
| Dining Transaction | 5% | RM25 | any amount monthly |
Rewards
Overseas spending earns you 3x AEON Points. Shop at AEON Stores and AEON BiG and get 2x AEON Points for every EM1 spent, while other transactions earn you 1x AEON Point for every RM2. The accumulated AEON Points can be exchanged for AEON gift vouchers for greater savings on household items and groceries, or converted into cash at a conversion rate of 400 AEON Points = RM1.
| Earn | Spend |
|---|---|
| 3 points on every RM1 | on overseas transactions |
| 2 points on every RM1 | on spending at AEON Stores and AEON BiG Hypermarkets everyday (except on the 20th and 28th of the month) |
| 1 point on every RM2 | on other retail spending (exclude petrol, government service, trading service, utility bills, fees, finance charge, cash advance, Balance Transfer, service charges, tax) |
Travel
Enjoy 3x complimentary access to the participating Plaza Premium Lounge in Malaysia in a calendar year for the principal cardholder (subject to spending criteria). Additionally, enjoy complimentary Travel Insurance coverage worth up to RM200,000 when you charge your flight ticket(s) with this card. Terms apply to all!
| Travel Coverage | Sum Insured |
|---|---|
| Travel Insurance | Up to RM200,000 |
| Delayed Flight | Up to RM400 |
| Lost Luggage | Up to RM250 |
| Delayed Luggage | Up to RM400 |
Balance Transfer
Transfer the outstanding balances from other bank's credit cards to an AEON credit card to enjoy much lower interest rates over a longer tenure.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 12 months | 0% p.a. and 3%one-time upfront handling fee | from RM1,000 |
| 18 months | 3.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 24 months | 4.5% p.a. and no one-time upfront handling fee | from RM1,000 |
| 36 months | 5.99% p.a. and no one-time upfront handling fee | from RM1,000 |
Easy Payment Plans
You can enjoy free instalments with AEON 0% Instalment Payment Plan when you make purchases at participating merchants. For all other purchases, AEON Cards Flexi Payment Plan offers payment terms of 6, 12 and 18 months on retail purchases from approved merchants at competitive rates.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 3 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 12 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 18 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 24 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| 36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 months | 2.5% one-time upfront handling fee | RM500 |
| 12 months | 3.5% one-time upfront handling fee | RM1,000 |
| 18 months | 5.5% one-time upfront handling fee | RM2,000 |
Fees & Charges
- Annual Fee
- RM95 primary card
First year free
Waived when make minimum 12 transactions per year on the subsequent years
- RM60 supplementary card
- RM95 primary card
- Sales and Service Tax
- RM25 on each principal and supplementary card upon activation and anniversary date
- Minimum Monthly Payment
- RM50 or 5% of outstanding amount, whichever is higher
- Late Payment Fee
- RM10 or 1% of outstanding amount, up to a maximum of RM100
- Cash withdrawal Fee
- RM15 or 5% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
- 18%
- Daily Maximum Cash Withdrawal
- Up to RM3,000
- Contact-less Payment Methods
- MasterCard PayPass
Requirements
- Minimum Annual Income
- RM36,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Malaysians Only
Features
- Easy Payment Plan
- AEON Cards 0% Instalment Payment Plan
- Get your latest smartphone, home appliances, and portable gadget what-have-yous affordably with an interest-free instalment plan from AEON - available at selected merchants.
- AEON Cards Flexi Payment Plan
- Only one-time upfront interest makes AEON Cards Flexi Payment Plan an attractive choice for a small loan against your credit card. Available at AEON stores and selected merchants only.
- Balance Transfer Plans
- AEON Cards Balance Transfer Plan
- AEON Cards offers 3% one-time upfront interest for 12-months on a transferred credit card balance from any other bank. No processing fee and penalty for early settlement.
Review
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