AEON Member Plus (AMP) Mastercard Gold Credit Card
Get 8% cashback on AEON Thank You Days and 5% back on dining, plus AEON Points on every transaction. Lounge access and travel insurance included.
Eligibility
Minimum Monthly Income
RM 3,000 (RM 36,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Malaysians Only
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest EPF statement; or
- Latest 3 months salary slip
- Latest 3 months bank statement (with salary being credited)
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 6 months company's bank statements
- Business Registration Certificate (SSM); or
- Form 9/24/49; or
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for the first year, and waived with a minimum of 12 transactions per year in the subsequent years. Otherwise, RM95 for Principal Card and RM60 for Supplementary Card
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
8% cashback on AEON and AEON BiG Thank You Day (on the 20th and 28th of every month), capped at RM100 per month and 5% cashback on dining transactions, capped at RM25 per month.
3X AEON Points for every RM2 spent overseas using foreign currencies, 2X AEON Points for every RM2 spent at AEON BiG Hypermarkets and AEON Store every day (except the 20th and 28th every month) and 1X AEON Points for every RM4 on other transactions (exclude petrol, government department, trading, utility bills and all fees-related transactions). Redeem gifts, vouchers or convert the accumulated AEON Points into cash at a conversion rate of 200 AEON Points = RM1.
3X complimentary access per year to Plaza Premium Lounge in Malaysia (subject to a minimum spend of RM500 in single or cumulative transactions within 30 days before or after the lounge access date) and complimentary travel insurance coverage worth up to RM200,000.
Enjoy zero-interest instalment and tenures up to 36 months at participating merchants with AEON 0% Instalment Payment Plan. AEON Flexi Payment Plan offers as low as 2.5% one-time upfront fees over 6, 12 or 18 months of instalment plan with selected merchants.
Terms and Conditions
Product review by CompareHero
What are the benefits of AEON Member Plus (AMP) Mastercard Gold?
You’ll get 8% cashback at AEON Stores and AEON BiG Hypermarkets on the 20th and 28th of every month, which is AEON’s Thank You Day, capped at RM100 a month.
Dining earns you 5% cashback, capped at RM25 a month. On every other purchase, you’ll be collecting 2 AEON Points for every RM2 spent at AEON stores and AEON BiG on regular days, 1 AEON Point for every RM1 on "member recognition" spend, 1 AEON Point for every RM4 on most other spending, and 3 AEON Points for every RM2 spent overseas. You can redeem 200 AEON Points for RM1.
Enjoy airport lounge, travel insurance and free parking benefits
Beyond the everyday shopping perks, the principal cardholder gets 3 complimentary Plaza Premium Lounge visits a year in Malaysia, as long as you spend RM500 (single or combined) within 30 days before or after your visit, plus travel insurance of up to RM200,000 when you charge your flight tickets to the card.
You'll also get a virtual card the moment your application is approved, so you can start shopping online before the physical card even arrives, and up to 2 hours of free parking at selected AEON Malls and AEON BiG outlets (a 10% convenience fee plus 6% SST still applies on top).
There's a 0% Instalment Payment Plan at participating merchants for up to 36 months, and the card itself is made from biodegradable PLA plastic rather than standard PVC.
What are the fees related to this card?
The annual fee is RM95 for the principal card and RM60 for a supplementary card, though it's waived in your first year and stays waived after that as long as you make at least 12 transactions a year.
Spending overseas adds a 1% currency conversion fee on top of the Visa/Mastercard exchange rate. You can replace a damaged card for free, but a lost or stolen one costs RM35 to replace the first time and RM50 after that.
You'll also be charged a RM25 government service tax per card, per year, on the physical principal and supplementary cards (the virtual card is exempt).
Who can apply?
The principal cardholder must be at least 21 years old. A supplementary cardholder must be at least 18 years old.
You also must meet a minimum annual income of RM36,000 (roughly RM3,000 a month) if you're Malaysian, or RM48,000 a year if you're a Japanese national, Malaysian permanent resident, or under the MM2H programme.
Documents you'll need to apply
- A copy of both sides of your IC
- Latest 3 months of payslips, Form BE with tax payment receipt, EA form, or the latest 6 months of payslips if you're a commission earner
- If you're self-employed: your Business Registration Certificate (or Form 9/24/49), the latest 6 months of company bank statements, or Form B with a tax payment receipt
- A working email address and mobile number, since AEON Credit sends a verification code to confirm your application