AEON Platinum MasterCard

Get 10% cashback at AEON Stores and AEON BiG every month and up to 6x AEON Points with AEON Platinum MasterCard. Enjoy travel benefits such as free access to the airport lounge and travel insurance.

AEON Platinum MasterCardCashback, Points & Airport Lounge Access
Min. Income
RM5,000/month
Annual Fee
Free*
Cashback
up to 10%
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
Cash Via DuitNow
worth RM10000
when you apply through RinggitPlus *

Cash Via DuitNow

Our Previous Winners

Cashback

Get 10% cashback every 20th and 28th of the month when you shop during AEON Thank You Day in all AEON Stores (AEON retail, MaxValu, Daiso, Komaiso, AEON Delight, MyAEON2Go, AEON Fantasy and AEON Wellness) and AEON BiG Hypermarkets. In addition, enjoy 2% cash back on any online spending (exclude flexi payment plans).

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
AEON and AEON BiG Thank You Day (Every 20th and 28th of the month, respectively)10%RM100any amount monthly
Online Spend (Exclude flexi payment plans)2%RM25any amount monthly

Rewards

Enjoy 6x AEON Points for overseas spending! Besides that, spending inside of AEON Stores and AEON BiG Hypermarkets gets you 4x AEON Points, while other transactions give you 1x AEON Points. You can convert your AEON Points into cash at a conversion rate of 400 AEON Points = RM1.

AEON Points
EarnSpend
6 points on every RM1for overseas spending
4 points on every RM1for spending in AEON Stores and AEON BiG Hypermarkets everyday (except on the 20th and 28th of the month)
1 point on every RM1for other transactions (exclude petrol, government service, trading service, balance transfer, service charges, utility bills, fees, finance charge, cash advance)

Travel

Principal cardholders get to enjoy 6x complimentary access in a calendar year to selected Plaza Premium Lounge in Malaysia. In addition, purchase your flight ticket with AEON Platinum MasterCard to get covered with up to RM1 million worth of global travel insurance coverage. Terms apply to all!

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM600
Delayed LuggageUp to RM600

Balance Transfer

Enjoy great value with the AEON Balance Transfer Plan which offers low interest rates for up to 36 months of 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

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 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
  • RM200 primary card

    First year free

    Waived when you spend minimum combined spending of RM18,000 in a year from the second year onwards

  • RM100 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
RM60,000
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

Earn Up to 10% Cashback with AEON Platinum MasterCard

Thinking of ways to earn back the cash you have spent? The AEON Platinum MasterCard is designed to help ease your expenses on daily necessities with its cashback features.

Every 20th and 28th of the month, you spend with AEON Platinum MasterCard at AEON Stores and AEON BiG Hypermarkets, you earn 10% cashback on your total bills, capped at RM100.

That's not all, shopping online (except for flexi payment plans), you get 2% cashback when paying with AEON Platinum MasterCard. This cashback is capped at RM25 per card.

AEON Reward Points

AEON Platinum MasterCard is not just a cashback credit card, but also a reward credit card, where you can redeem points for gifts, vouchers and other merchandise.

It gets more rewarding when you shop overseas and inside AEON Stores and AEON BiG Hypermarkets as for every Ringgit spent, you get 6x AEON Points and 4x AEON Points respectively.

Spending everywhere outside of AEON Stores and AEON BiG, you get 1x AEON Point. 

We also would like to highlight that you can convert your accumulated AEON Points into cash. The redemption rate is at 400 AEON Points = RM1.

AEON Platinum MasterCard Universal Travel Benefits

Enjoy your vacation or business trip abroad with peace of mind when you charge your flight ticket to AEON Platinum MasterCard credit card as you will be covered with Global Travel Insurance worth up to RM1,000,000. Do check out the terms and conditions.

What's more, you can start your journey right from the airport with 6x access in a calendar year to the participating Plaza Premium Lounge in Malaysia. Experience the benefits of free WiFi, food and beverages and entertainment for up to 3 hours per visit.

However, please note that this complimentary access is applicable only for the principal cardholders and not the supplementary cardholders, and is 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.

In addition, a 20% discount on the walk-in rates is applicable when you bring along a guest(s). Meanwhile, any of your accompanying guest(s) between 3 to 11 years of age get a 30% discount on the applicable walk-in rates as well.

For more details on the lounge access privilege, please check out the T&C here.

What are the required documents to apply for an AEON credit card?

If you are a fixed-income 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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