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.

AEON MasterCard GoldCollect Cashback & Rewards
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

Get a FREE
Apple iPhone 15 PRO
worth RM5499
when you apply through RinggitPlus *

Apple iPhone 15 PRO

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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 RM25 per card. The earned cashback will be credited and reflected in the following month's statement.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
AEON and AEON BiG Thank You Day (Every 20th and 28th of the month, respectively)8%RM100any amount monthly
Dining Transaction5%RM25any 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.

AEON Points
EarnSpend
3 points on every RM1on overseas transactions
2 points on every RM1on spending at AEON Stores and AEON BiG Hypermarkets everyday (except on the 20th and 28th of the month)
1 point on every RM2on 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 CoverageSum Insured
Travel InsuranceUp 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

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 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 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.

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

    First year free

    Waived when make minimum 12 transactions per year on 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
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

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! 

Earn 3x AEON Points when you spend overseas using foreign currencies, and 2x AEON Points when you shop at AEON Stores and AEON BiG every day, except on the 20th and 28th of the month.

1x AEON Point will be automatically granted to you for each RM2 spent on your credit card for other transactions.

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

You can also convert your AEON Points into cash at a conversion rate of 400 AEON Points = RM1.

Speaking of rewards, you can also earn 8% cash back when you shop during AEON and AEON BiG Thank You Day on the 20th and 28th of the month respectively, in addition to 5% cash back on dining when you pay with your AEON credit card as well.

Travel Protection for Free

You could be reluctant to pay for travel 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 worth 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 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)
  • Latest EPF statement; or
  • Latest 3 months salary slips; and
  • Latest 3 months' bank statement (with salary crediting)
  • A copy of your valid working permit*

If you are a commission earner, please prepare the following documents.

  • Copy of your IC (both sides)
  • Latest EPF statement; or
  • Latest 3 months salary slips; and
  • Latest 3 months' bank statement (with salary crediting)
  • A copy of your valid working permit*

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

  • Copy of your IC (both sides)
  • Business Registration Certificate; or
  • Form 9/24/49; or
  • Section 32, Section 58 and Section 78
  • Latest 6 months' company principal current account statements

*For Malaysian applicants working overseas.

Note: AEON CREDIT SERVICE may request additional documents at the financial institution's absolute discretion if required.

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