Mastercard · ConventionalAEON · MALAYSIA
AEON Member Plus (AMP) Mastercard Classic Credit Card
Min. annual incomeRM24,000RM2,000 / month equivalent
Principal annual feeRM30
Card networkMastercardConventional card
THE DETAILS
Benefit breakdown
Cashback
| Eligible spending | Rate | Monthly cap | Qualifying condition |
|---|---|---|---|
| AEON / AEON BiG Thank You Day (20th and 28th) | 5% | RM100 combined / month | Eligible purchases on the specified dates. |
AEON Points
| Eligible spending | Earn | Qualifying condition |
|---|---|---|
| AEON / AEON BiG eligible purchases | 2 points / RM2 | Excludes Thank You Days on the 20th / 28th. |
| AEON member recognition | 1 point / RM1 | Eligible AEON / AEON BiG / Maxvalu Prime / Wellness / Daiso purchases. |
| Other eligible spending | 1 point / RM4 | Category exclusions include petrol, government, trading, utilities and fees; Gold / Platinum also exclude dining from this base rate. |
200 AEON Points = RM1 redemption value. Recognition points are a separate membership component; do not count every transaction at the headline multiplier.
Fees & charges
- Principal annual fee
- RM30
- Supplementary annual fee
- RM20
- Annual fee waiver
- First year waived; subsequent years require at least 12 transactions per year.
- Service tax
- RM25 per physical principal / supplementary card on activation and anniversary; virtual card exempt.
- Retail finance rate
- 15% / 17% / 18% p.a., according to repayment history.
- Cash advance interest rate
- 18% p.a., calculated daily from withdrawal.
- Cash advance fee
- 5% of withdrawal or RM15, whichever is higher.
- Daily cash withdrawal limit
- Up to RM3,000, subject to available credit limit.
- Minimum monthly payment
- Higher of RM50 or 5% of current balance + 100% service tax + all instalments and past-due minimum payments.
- Late payment charge
- 1% of outstanding retail and cash-advance balance; minimum RM10, maximum RM100.
- Overseas conversion
- Visa / Mastercard exchange rate plus 1% service fee.
- Interest-free retail period
- 20 days when the previous statement balance is paid in full on time; cash advances / Ready Cash have no grace period.
- Replacement card
- First replacement RM35; subsequent RM50. Virtual replacement waived.
Requirements
- Minimum annual income
- RM24,000
- Principal age
- 21–65 years
- Supplementary minimum age
- 18 years
- Documents
- Identity and income evidence; salaried applicants: latest 3 months’ payslips or BE / EA form; self-employed: business registration and bank / tax records.
Payment plans
Merchant 0% Instalment Payment Plan
| Tenure | Rate | Qualification |
|---|---|---|
| Up to 36 months | 0% | Participating merchants; minimum purchase and available tenures vary. |
Physical cards only; virtual cards cannot be used for IPP. Early settlement: RM30 per transaction.
Purchase conversion & cash facilities
| Facility | Pricing | Important condition |
|---|---|---|
| Flexi Payment Plan | Current quoted rate / tenure at application | Posted retail conversion before statement; early settlement RM50 per request. |
| Balance Transfer / Ready Cash | Current offered rate at application | Subject to approval and available limit; no early-settlement penalty. |
Product features
- Virtual card
- Immediate eligible online use after approval; shares the physical card’s credit limit. No ATM withdrawal or merchant IPP.
- AEON parking
- Up to 2 hours at participating locations, subject to the parking programme; a 10% convenience fee plus 6% SST is stated by AEON.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.