AEON WATAMI Visa Classic Card credit card

AEON WATAMI Visa Classic Card

Get more when you dine at any WATAMI Japanese Restaurants - get more rewards when you shop at home or abroad.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 0% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM31.80 annual fee
  • Earn up to 2x reward points 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Enjoy 10% cashback with minimum spend of RM100 (after discount) in a single receipt at WATAMI restaurants capped at RM50 per transaction. 3% cashback on other retail transactions except petrol transactions.
Discover how much you can save when you shop with your new AEON WATAMI Visa Classic Card
Cashback CategoryCashback RateMonthly CapSpend
WATAMI RestaurantSpendfrom RM100 and above in a single receipt10%RM50from RM100 and above in a single receipt
Receive 500 AEON points upon card approval. Earn double points at WATAMI restaurants and shopping done whenever you're overseas. 1 point for every RM1 spent anywhere else.
AEON Redemption Rewards Program
2 points on every RM1at WATAMI restaurants
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all other local retail expenses
Your AEON Redemption Rewards Program earned expires in  3 years
Balance Transfer
Pay off outstanding card balances transferred from other credit cards at 0% interest over 6 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about AEON Cards Balance Transfer Plan
Easy Payment Plan (EPP)
AEON Cards Flexi Payment Plan offers interest rates as low as 2.5% and payment terms of up to 18 months. With Aeon 0% Instalment Payment Plan, you can enjoy zero interest for purchases at participating merchants.
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feefrom RM500 
12 months3.5% one-time upfront handling feefrom RM1000 
18 months5.5% one-time upfront handling feefrom RM2000 
Learn more about AEON Cards Flexi Payment Plan
Complimentary travel personal accident insurance coverage of up to RM200000.
Travel CoverageSum Insured
Travel InsuranceUp to RM200000
Craving for Japanese food? Have the benefit of having exclusive booking privileges and private room usage at WATAMI restaurants in Malaysia.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • First year free
  • Waived when 12 swipes every year
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM15.90 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

All fees & charges are inclusive of 6% GST if applicable


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
AEON Cards Flexi Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
AEON Cards Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AEON WATAMI Visa Classic Card review

What's so good (or not so good) about it?

Can’t get enough of Japanese food? Then, AEON WATAMI Visa Classic Card is the ideal card for you. This credit card is a joint venture between WATAMI International and AEON Credit Service. Cardholders will be rewarded for dining at any WATAMI Japanese Casual Restaurant in the world and more.

10% Cashback

For a minimum spend of RM100 after discount in a single receipt charged to AEON WATAMI Visa Classic Card, cardholders can earn 10% cashback on the amount spent. Rebate for each transaction is capped at RM50. This privilege is valid at over 600 WATAMI outlets in Japan and more than 70 restaurants in Asia.

In addition, AEON WATAMI Visa Classic Card also rewards cardholders on their retail spending outside WATAMI restaurants. A 3% quarterly cashback is awarded on this retail spend. To qualify for this cash back, cardholders must charge a minimum spending outside WATAMI of RM3000 per quarter. Rebate for this category is capped at RM150 per quarter.

AEON Reward

As an AEON WATAMI Visa Classic cardholder, you will receive 500 bonus points upon card approval. You have an advantage when spending at WATAMI restaurants as you will earn double AEON points for every RM1 charged to AEON WATAMI Visa Classic Card.

You will also be rewarded with 1 AEON point for each RM1 charged to this credit card for other retail spending. The accumulated points can be used to redeem a wide variety of gifts and vouchers under the AEON Rewards Points Programme.

0% Balance Transfer

The AEON Balance Transfer is one of the features of AEON WATAMI Visa Classic Card. With this feature, cardholders can transfer outstanding balances from other credit cards or charge cards to AEON WATAMI Visa Classic Card. The minimum amount of transfer is RM1000.

Thereafter, cardholders can pay the combined outstanding card balances transferred over a 6-month period at 0% interest. This way, you can save a significant amount on interest payments for outstanding card balances.

Easy Payment Plan ( EPP)

AEON WATAMI Visa Classic cardholders also get to enjoy the flexibility of an easy payment scheme with AEON Cards Flexi Payment Plan. Under this plan, cardholders can opt to pay for their retail purchases at authorised merchants over a period of 6, 12 and 18 months at 2.5%, 3.5% and 5.5% onetime upfront interest rates respectively.

Apart from that, Aeon 0% Instalment Payment Plan offers free instalments for up to 36 months. The participating merchants are AEON, SENHENG, Tesco and others.

Other Benefits

A complimentary personal accident insurance coverage of up to RM200000 for travellers is included in this credit card. New cardholders who charge any 2 retail transactions of any amount within 60 days of card approval will receive RM50 WATAMI Dining Rebate. You will also receive a RM30 WATAMI voucher on your birthday month and RM50 WATAMI voucher on your card anniversary month.

Annual Fee Waiver

This credit card is free for the first year. You need to swipe at least 12 times a year to get an annual fee waiver of RM30. With AEON WATAMI Visa Classic Card, you can enjoy your favourite Japanese cuisine and earn rewards at the same time.

Read More