AEON Credit · Visa Gold · Cashback

AEON AMP Gold

Good for

5% cash back on dining in ringgit, up to RM25 a month.
Spend abroad earns 3 AEON Points per RM2, about 0.75% back.
8% cash back at AEON and AEON BiG on the 20th and 28th of each month, up to RM100. Not counted here.
3 free Plaza Premium Lounge visits a year in Malaysia.

Other spend earns 1 AEON Point per RM4, about 0.125% back.
Dining past the RM25 cap, petrol, government payments and utility bills earn nothing.
RM95 annual fee from the second year, unless you make 12 transactions a year.
Thank You Day cashback and the extra AEON Points at AEON stores are not counted here: no spend category holds AEON's own stores.

Cash back and AEON Points. The points rows say what the points are worth.

Spending	Earns	Details
Spending in a foreign currency except Dining	1.5 points per RM	Worth 0.75% as cash.
All spending except Dining	0.25 points per RM	Worth 0.13% as cash.
Dining in ringgit	5%	Up to RM25 back a month.
Petrol, Government / LHDN / JPJ, Utilities and more	Nothing	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.

How it's paid: Onto your card the next month Cash back is credited and shows on the following month's statement.

Airport lounges: 3 free visits a year Plaza Premium. Plaza Premium Lounge in Malaysia. Main cardholder only. Spend at least RM500, in one or more charges, within 30 days before or after the visit.
Overseas spending fee: 1% 1% AEON service fee, on top of Visa's or Mastercard's exchange rate

Travel accident: Up to RM200,000 Underwritten by MSIG Malaysia.
Travel inconvenience: Not listed AEON Credit does not list this cover for this card.
Shopping and fraud cover: Not listed AEON Credit does not list this cover for this card.

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

Annual fee: RM95 Free the first year. Waived after 12 purchases in a year.
Extra (supplementary) cards: RM60 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

Income: RM36,000 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