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
Hear from our users
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Cashback
Enjoy 8% cashback when you shop during AEON and AEON BiG Thank You Day (20th and 28th of the month), capped at RM100 monthly. Earn 5% cashback when you spend on dining, capped at RM25 monthly. 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 using foreign currencies earns you 3x AEON Points. Shop at AEON Stores and AEON BiG Hypermarkets every day and get 2x AEON Points for every RM2 spent, while other transactions earn you 1x AEON Points for every RM4. 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 200 AEON Points = RM1.
| Earn | Spend |
|---|---|
| 3 points on every RM2 | on overseas transactions (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 the 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 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 you make minimum 12 transactions per year in 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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