How to apply for a personal loan online?

Applying for a personal loan online is easy. Visit our personal loan comparison page, choose a loan, and click apply. Fill in the online form and submit.

What documents are needed for a credit card application?

Typically, you'll need your NRIC/MyKad, latest payslips or income tax returns, and bank statements.

What is the minimum income requirement?

Minimum income requirements vary by bank and product. Generally, it can range from RM2,000 to RM5,000 per month.

AEON Member Plus (AMP) Visa Gold Credit Card

The daily AMP Visa Gold Credit Card lets you earn up to 8% cashback and AEON Points on selected spending, including free access to selected Plaza Premium Lounges every year!

Cashback on dining & travel benefits

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

Hear from our users

Find out how Malaysians start making smart financial decisions with us

Cashback

Enjoy 8% cashback when you spend during AEON and AEON BiG Thank You Day (20th and 28th of every month, respectively), and 5% cashback for dining. The cashback earned will be credited and reflected in the following month's statement.

Discover how much you can save when you shop with your new AEON Member Plus (AMP) Visa Gold Credit Card Card
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

Every overseas transaction using foreign currency earns you 3x AEON Points. Spending on retail purchases at AEON Stores and AEON BiG earns you 3x AEON Points, while other transactions get you 1x AEON Points for every RM4 spent. The accumulated AEON Points can be exchanged for shopping, dining, and travel vouchers, and converted into cash at a conversion rate of 200 AEON Points = RM1. Note that the AEON Points expire in 3 years, so don't let them go to waste!

AEON Points
Earn	Spend
3 points on every RM2	on overseas spending (using foreign currencies)
2 points on every RM2	on spending at AEON Stores and AEON BiG Hypermarkets every day (except on the 20th and 28th of the month)
1 point on every RM4	on other transactions (exclude petrol, government department, trading, utility bills and all fees-related transactions)

Travel

Enjoy 3x complimentary access to participating Plaza Premium Lounge in Malaysia in a calendar year for the principal cardholder (subject to a minimum spend of RM500 in single or cumulative transactions within 30 days before or after the lounge access date). Additionally, enjoy complimentary Travel Insurance coverage of up to RM200,000 when you charge the full fare of your travels with this card. Other terms may apply.

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

Premium

AEON World Desk Centre provides personalised services and global assistance from lost and stolen cards to hotel reservations.

Balance Transfer

Enjoy much lower interest rates over a longer tenure when you transfer the outstanding balances from another bank's credit card to an AEON credit card with this balance transfer plan.

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

Learn more about AEON Cards Balance Transfer Plan

Easy Payment Plans

AEON 0% Instalment Payment Plan offers free instalments of up to 36 months at participating merchants. For all other purchases, AEON Cards Flexi Payment Plan offers payment terms of 6, 12 and 18 months at competitive rates.

AEON Cards 0% Instalment Payment Plan
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

Learn more about AEON Cards 0% Instalment Payment Plan

AEON Cards Flexi Payment Plan
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

Learn more about AEON Cards Flexi Payment Plan

Fees & Charges

Annual Fee

RM95 primary card
Free for first year
Waived when you make minimum 12 transactions per year in the subsequent years
RM60 supplementary 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

Visa payWave

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.