AEON MasterCard Gold

Get 5% cash back on dining, and earn 1x AEON Point when you shop. Escape from boredom before boarding with 3x free access to participating Plaza Premium Lounge in Malaysia.

AEON MasterCard GoldCollect Cashback & Rewards
Min. Income
RM3,000/month
Annual Fee
RM95
Cashback
up to 5%
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
VIEW MORE >

Cashback

Enjoy 5% cashback when you spend on dining, capped at RM25. The earned cashback will be credited and reflected in the following month's statement.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Dining5%RM25any amount monthly

Rewards

Shop at a discount at AEON participating merchants and earn 1X AEON Point for every RM2 spent! Accumulated reward points can be exchanged for AEON gift vouchers for greater savings on household items and groceries.

AEON Points Program
EarnSpend
1 point on every RM2on retail spending (exclude petrol, government department, trading, utility bills, and all fees and charges related transactions)

Travel

Enjoy complimentary access to the participating Plaza Premium Lounge in Malaysia for up to 3x per year for the principal cardholder (subject to spending criteria), plus Travel Personal Accident coverage up to RM200,000 when you charge your flight ticket(s) with this card. Terms apply!

Travel CoverageSum Insured
Personal AccidentUp to RM200,000
Delayed FlightUp to RM400
Lost LuggageUp to RM250
Delayed LuggageUp to RM400

Premium

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

Balance Transfer

Great value AEON Balance Transfer offers a 3% interest rate for a fixed term of 12 months.

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
18 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.5% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about AEON Cards Balance Transfer Plan

Easy Payment Plans

You can enjoy free instalment with AEON 0% Instalment Payment Plan when you make purchases at participating merchants. For all the other purchases, AEON Cards Flexi Payment Plan offers payment terms of 6, 12 and 18 months on retail purchases from approved merchants. Interest rates from as little as 2.5%.

AEON Cards 0% Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about AEON Cards 0% Instalment Payment Plan
AEON Cards Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months3.5% one-time upfront handling feeRM1,000
18 months5.5% one-time upfront handling feeRM2,000
Learn more about AEON Cards Flexi Payment Plan

Fees & Charges

Annual Fee
  • RM95 primary card
  • 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
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, portable gadget what-have-yous affordably with an interest free instalment plan from AEON - available at selected merchants.
AEON Cards Flexi Payment Plan
Only with 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

Premium Travel Experience with AEON MasterCard Gold

Enjoy your holiday from end to end all the more before you hop on the plane! 

Walk straight into participating Plaza Premium Lounge in Malaysia with 3 times complimentary access you get with AEON MasterCard Gold.

You heard it right, no hidden charges and it is refreshed every year! Applicable for the principal cardholders only.

No more boredom before boarding, don't be shy and use the complimentary facilities that Plaza Premium Lounge has, including high-speed internet, massage chair, freshly served meals and beverages and more!

However, please note that the 3x free passes are subject to a minimum spend of RM500 in single or cumulative transactions within 30 days before and/or 30 days after the lounge visit date.

To find out more about the complimentary lounge access, please check out the T&C here.

AEON Gold Credit Card Gift Reward Program

Tick off the bucket list of items that you itch for with three simple steps: Swipe, save and redeem! 

1 reward point will be automatically granted to you for each RM2 spent on your credit card.

Exchange the points you have with a wide variety of items such as a frying pan, smartphone, camera, cosmetics and voucher!

Please take note of the point redemption: 400 AEON Points = RM1.

Speaking of rewards, you can earn a 5% cash back on dining when you pay with your AEON credit card.

Protection for Free

You could be reluctant in paying for insurance that you feel is unnecessary, but you can never say no to free protection. 

Purchase any of your flight tickets with this AEON credit card and get free travel personal accident coverage up to RM200,000, terms and conditions apply.

On top of personal accidents, travel insurance will cover you for travel inconveniences as well such as loss or damage of personal luggage, loss or damage of travel documents, luggage delay and travel delay.

AEON MasterCard Gold Worldwide Assistance

Whether you're just careless or fall victim to a pickpocket, it's not hard too to lose a tiny piece of a credit card.

Fortunately, AEON World Desk Centre is always by your side 24 hours a day when unfortunate events like this happen. 

Contact them to have your AEON MasterCard Gold cancelled or report the loss immediately!

What documents to prepare to apply for this credit card?

If you are a salaried employee, please prepare the following documents.

  • Copy of your IC (both sides) and the IC of your Supplementary Card Holder if any
  • Latest 3 months payslips; or
  • Form BE with tax payment receipt; or
  • EA Form; or
  • Latest 6 months' payslips for commission earners

If you are self-employed, please prepare the following documents.

  • Business Registration Certificate; or
  • Copy of Form 9/24/49; and
  • Latest 6 months company bank statement; or
  • Form B with tax payment receipt

Credit Card » AEON

✕

Apply Now

Answer a few questions with our chatbot

PDPA

We protect your personal information in compliance with the PDPA

We respect your privacy and we are committed to handle your personal information safely and responsibly
✕
Search Icon

Get the financial support you need

Featurebox

We’ll guide you through your application for this financial product