AEON iCash for AEON Credit Card holders

A simple Personal Loan offering fast approval for AEON Credit Card Holders.

    • Financing up to RM50k
    • Up to 5 years tenure
    • Unsecured Islamic Financing
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

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Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM1000 - RM49996 to 60 monthsmin. RM1200014.4% p.a.
RM5000 - RM500006 to 60 monthsmin. RM120009.6% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 9.6% p.a. to 14.4% p.a. , depending on financing amount and period
Processing Fee
6.00% of the whole amount
Stamp Duty
0.5% of the whole amount
Late Payment Charge
4% from current outstanding amount


Are you eligible for this personal financing?

Minimum annual income
Minimum age
18 years old
Who can Apply
  • Any nationality
  • Credit Card Member

Frequently Asked Questions about AEON iCash for AEON Credit Card holders

Things you might want to know

How to apply for an iCash personal loan from AEON Credit Service

How much money can I borrow?

AEON iCash offers an unsecured personal loan of up to RM50,000 with payment terms between 6 and 60 months. AEON’s credit limit is based on your net salary, the maximum borrowing amount is set as 5 x monthly gross salary (after deductions).

How much does an AEON iCash Loan cost?

AEON loan processing is free when you borrow more than RM5,000. If you’re borrowing less than RM5,000 a charge of 6% of the total loan is charged as a one-off fee.

What do I need to apply for an AEON iCash Loan?

No down payment, security or guarantor is required. To make an application you must provide supporting documents:

Salaried Employee

  • Copy of NRIC (front and back)
  • Salary slip for the last 3 months (1 month for multi national company employees)
  • Latest monthly bank savings account passbook or current/savings account statement.

and one of the following:

  • Latest EPF statement
  • Latest BE/E form or Tax payment receipt
  • Latest salary account showing salary credited


  • Copy of NRIC (front and back)
  • Business Registration Certificate (ROC and ROB)
  • Last 6 months company's principle current account statements
  • Latest updated bank saving account passbook or bank statement (for verification purpose)
  • Latest Form BE/E form and Tax payment receipt

How do I get my hands on the money?

AEON iCash is a fast loan product that is generally approved within one hour of application.  Disbursement of funds may be made immediately to the bank account of your choice. Money can also be withdrawn over the counter at some AEON Credit outlets.

How do I pay the money back?

Loan repayments need to be made on, or by, the 2nd of every month. You can pay in person at an AEON Credit outlet, by cheque in the mail, money transfer, or auto-debit.

Administration charges will apply if you haven’t made your payment by the 10th of each month. It is RM18.

Does AEON iCash comply with Syariah banking standards?

AEON personal loans follow the Bai Al Inah principle and are certified by a Syariah Advisor.

Can I pay my AEON loan off early?

You can finish paying your loan whenever you like but you will be charged an Early Termination fee of 0.25% of the total amount you borrowed.

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