AEON Member Plus (AMP) Mastercard Gold Credit Card

Min. annual incomeRM36,000RM3,000 / month equivalent

Principal annual feeRM95

Card networkMastercardConventional card

View with bank ↗← All AEON cards

3 visits / calendar yearSelected Plaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

Conditional complimentary access

3 visits / calendar year

Selected Plaza Premium Lounge

Use viaPhysical AEON credit card required

Qualifying spend & allocation: Spend RM500 on the same physical card within 30 days before and/or after the visit. IPP / FPP, balance transfers, Ready Cash, cash advances, quasi-cash, ABC, interest and fees are excluded.
Principal / supplementary: Principal only; supplementary spending cannot satisfy principal qualification.
Guests: No automatic free guest entry. Check applicable walk-in discount with the outlet.
Where it works: International-flight departures only at eligible outlets; Gold / Platinum / JCKL: Malaysia list; Biker Infinite also has selected international locations.

Calendar year; August 2026 terms. Non-qualifying visits can be charged back.

Entry steps & validity

Physical card and boarding pass with matching name; one visit daily, usually up to 3 hours. Smart Traveller QR is not confirmed as a replacement in AEON’s current terms.

Calendar year; August 2026 terms. Non-qualifying visits can be charged back.

View eligible lounges ↗Entry requirements ↗

Check the linked card-specific list and your remaining entitlement before travelling. A lounge network logo does not mean every lounge or guest is free; entry remains subject to capacity and local rules.

THE DETAILS

Benefit breakdown

Cashback

Cashback
Eligible spending	Rate	Monthly cap	Qualifying condition
AEON / AEON BiG Thank You Day (20th and 28th)	8%	RM100 combined / month	Eligible purchases on the specified dates.
Eligible MYR dining (MCC 5812 / 5814)	5%	RM25 / month	Eligible local-currency dining transactions.

AEON Points

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.
Foreign-currency purchases	3 points / RM2	Eligible foreign-currency spending.
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: RM95
Supplementary annual fee: RM60
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: RM36,000
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.
Selected foreign applicants: Published threshold for eligible Japanese applicants, Malaysian permanent residents and MM2H participants: RM48,000 annually; RM90,000 for Biker Infinite.

Payment plans

Merchant 0% Instalment Payment Plan

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

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.
Travel protection: Up to RM200,000 travel insurance under the issuer’s policy; charge eligible travel to the card and check insured persons, benefits and exclusions.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.