New AEON MasterCard Gold

Earn AEON Points and cashback faster! Get exclusive offers and special discounts from AEON stores. Plus, enjoy complimentary 3x access to participating Plaza Premium Lounge in Malaysia every year.

New AEON MasterCard Gold2X AEON Points everyday
Min. Income
RM3,000/month
Annual Fee
Free*
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

Get a FREE
JBL Tour Pro 2 or JBL Tune 710BT
worth RM1399
when you apply through RinggitPlus *

JBL Tour Pro 2 or JBL Tune 710BT

Our Previous Winners

Cashback

Get 5% cashback on AEON Thank You Member Day (on the 20th of every month). You can save up to a maximum of RM100 and the cashback you earned will be credited and reflected in the following month's statement.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
AEON Thank You Day (20th of every month)5%RM100any amount in a single receipt

Rewards

Shop at all AEON stores and earn AEON Points for every Ringgit spent. Get 4x AEON Points for every RM1 when you spend on the 10th of the month, and 2x AEON Points for every RM1 spent on any other day. Collect AEON Points and exchange them with gifts and vouchers, or convert them into cash at a conversion rate of 400 AEON Points = RM1.

AEON Points
EarnSpend
4 points on every RM1at AEON Stores every 10th of the month
2 points on every RM1at AEON stores every day (except 10th of the month)
1 point on every RM2on other transactions (exclude petrol, government department, trading, utility bills, and all fees and charges related transactions)

Travel

Principal cardholders can enjoy 3x complimentary access to participating Plaza Premium Lounge in Malaysia, subject to spending criteria. In addition, enjoy complimentary travel insurance coverage of up to RM200,000 when you charge your airline ticket(s) to this card, terms apply.

Travel CoverageSum Insured
Travel InsuranceUp to RM200,000

Premium

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

Balance Transfer

Transfer your outstanding balance from another bank's credit card into an AEON credit card to enjoy much lower interest rates over a longer repayment 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 for payment terms of up to 36 months on retail purchases from participating merchants. For all other purchases, you can enjoy affordable instalments for up to 18 months with the AEON Flexi Payment Plan.

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

    Free for first year

    Waived when you do a minimum of 12 transactions per year from the second year onwards

  • 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 Flight Experience with New AEON MasterCard Gold

Escape from the rush of the busy airport terminal and unwind in the serenity of the Plaza Premium Lounge before you board your long-haul flight.

The New AEON MasterCard Gold gives you not one but a total of 3x access over a year to participating Plaza Premium Lounge in Malaysia, for the principal cardholders only!

Don't leave your travel companion behind, flash your credit card and get 20% off the walk-in rate for each of your companions. Meanwhile, accompanying guest(s) of yours who are aged between 3 to 11 years can enjoy a 30% discount on the applicable walk-in rates as well.

However, please note that the free passes are subject to a minimum spend of RM500 in a single or cumulative transaction(s) within 30 days before and/or 30 days after the lounge visit date. Find more details here.

Go all out and enjoy what Plaza Premium Lounge has to offer, from a massage chair to a relaxing hot shower to the theatre room. Don't hold back!

Not to mention, simply charge the full fare of your travels with this credit card to enjoy complimentary travel insurance coverage worth up to RM200,000. This travel insurance also covers any travel inconveniences that you face while travelling such as baggage loss or delay, etc. Find out more here.

Reward, Reward, and Reward!

Shop at any AEON store on the 10th of every month and get 4x AEON Points for every RM1 you spend! On a regular day, you'll get to earn reward points at a rate of 2x AEON Points for every RM1. 

On top of that, you will get 1x AEON Point for other transactions as well, excluding petrol, government department, trading, utility bills and other fees and charges related transactions.

With all these points at your disposal, go crazy on them and pick your desired items from a list of tens and hundreds of amazing gifts. You can even convert your AEON Points into cash at a conversion rate of 400 AEON Points = RM1!

What about cash rebates? AEON didn't miss that out too! Enjoy a 5% cash rebate on AEON Thank You Day (on the 20th of every month), capped at RM100 monthly.

New AEON MasterCard Gold Member Privilege

You'll be required to sign up for an AEON membership when applying for this credit card and being an AEON member is a whole lot more than getting a member card. 

The first 2 hours of parking fee will be waived for AEON members at selected AEON shopping malls. Well, every Ringgit is a Ringgit earned!

If you spread this happiness to your friends or family to sign up for an AEON membership, you'll get rewarded with a whopping 100 AEON MEMBER points instantly! 

Earning AEON points is no sweat after all with the New AEON MasterCard Gold!

List of documents to make an application

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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