• RM
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    • Annual FeeRM95
    • Sales & Service TaxRM25
    • Interest Rate15% p.a.
    • Interest-free20 days
    • Min. IncomeRM3,000/month
      • Overview

      • With our Cashback, you’ll be bringing home spare cash, not just groceries.

      • Interest Rate (%)
      • CategoryCardholder CategorizationFinance Rate (%)
        Tier 1Cardholders who promptly settle the minimum amount due over 12 consecutive months15.0% per annum
        Tier 2Cardholders who promptly settle the minimum amount due for 10 months or more in a 12-month cycle17.0% per annum
        Tier 3Cardholders who DO NOT fall within Tier 1 & Tier 2 Category18.0% per annum
      • Cashback (if applicable)
      • Cashback CategoryCashbackMonthly Cashback
        AEON Stores 20th & 28th8%RM100
        Dining5%RM25
      • Balance Transfer (% P.A.)
      • TenureRateMinimum Balance Transfer Amount
        12 months3% upfrontRM1,000
        18 months3.99% p.aRM1,000
        24 months4.50% p.aRM1,000
        36 months5.99% p.aRM1,000
      • Easy Payment Plan
      • TenureMinimum Retail Purchase Transaction LimitOne-Time Upfront Interest
        6 monthsRM5002.50%
        12 monthsRM1,0003.50%
        18 monthsRM2,0005.50%
      • Eligibility
      • CriteriaDetails
        Minimum Age21
        Maximum Age65
        Who Can ApplyMinimum Annual Income: RM36,000 (for Malaysians) Minimum Annual Income: RM48,000 (for Japanese, Malaysian PR, and MM2H applicants)
      • Fee
      • CriteriaDetails
        Min. Cash Withdrawal Fee5% of the amount advanced or a minimum of RM15
        Min. Late PaymentMinimum RM10 or 1% of the total outstanding retail and cash advance transactions, whichever is higher subject to a maximum of RM100.
        Min. Monthly Payment5% of Current Balance, 100% Service Tax, 100% Monthly Instalment and 100% Past Due amount OR minimum of RM 50; whichever is higher.
      • Rewards Points Tiers
      • CriteriaPer RinggitValidity (Years)
        On AEON stores (except 20th & 28th)2x for RM2 spend3
        On other local spends1x for RM4 spend3
        On all overseas spends3x for RM2 spend3
      • Supplementary Card
      • CriteriaDetails
        Minimum Age (Years)18
        Annual Fee (RM)RM60
      • Travel Insurance
      • CriteriaAmount (RM)
        Lost Luggage CompensationMaximum RM250
        Travel Insurance CoverageUp to RM200,000
        Delayed Luggage CompensationMaximum RM400
        Delayed Flight CompensationMaximum RM400