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AEON Credit · Mastercard Classic · Cashback

AEON AMP Classic Mastercard

Earns
0.13% Dining
Lounge
Not stated
Min income
RM24,000 a year
Annual fee
RM30 Waived at 12 swipes a year
See it on AEON Credit's site

Good for

  • Needs only RM24,000 a year in income.
  • 5% cash back at AEON and AEON BiG on the 20th and 28th of each month, up to RM100. Not counted here.
  • RM30 annual fee, free with 12 transactions a year.

Watch out

  • All other spend earns 1 AEON Point per RM4, about 0.125% back.
  • Petrol, government payments and utility bills earn no points.
  • Thank You Day cashback and the extra AEON Points at AEON stores are not counted here: no spend category holds AEON's own stores.

What it earns

AEON Points, per RM spent. Each row says what the points are worth.

SpendingEarnsDetails
All spending0.25 points per RM Worth 0.13% as cash.
Petrol, Government / LHDN / JPJ, Utilities and moreNothing Petrol, Government / LHDN / JPJ, Utilities, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Points and transfers

Cash
200 points for RM1 Redeemed in blocks of 200 points.

Travel

Overseas spending fee
1% 1% AEON service fee, on top of Visa's or Mastercard's exchange rate

Fees and charges

What it costs if you don't pay in full, or use it for cash.

Annual fee
RM30 Free the first year. Waived after 12 purchases in a year.
Extra (supplementary) cards
RM20 a year Free with 12 transactions a year.
Service tax
RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest
15%, 17% or 18% a year Depends on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment
5% of the balance, or RM50 Whichever is higher, plus service tax, installments and any past due amount.
Late payment
1% of the balance, RM10 to RM100 Of the retail and cash advance balance, charged when the minimum payment is late.
Cash withdrawal
5% fee, at least RM15 Plus 18% a year interest from the day you take it out. No interest-free days.
Replacement card
RM35

Who can apply

Income
RM24,000 a year or more
Age
21 to 65 Extra cardholders from 18.
Documents
  • MyKad copy (both sides), and the MyKad of each supplementary applicant
  • Employees: your latest 3 months' payslips, or Form BE with tax receipt, or EA form. Commission earners: your latest 6 months' payslips
  • Self-employed: business registration certificate or Form 9, 24 or 49, plus your latest 6 months' company bank statements or Form B with tax receipt
  • A valid email address and mobile number, for the verification code

Other perks

Card network
Mastercard Classic

Where this comes from