AEON Credit · Visa Gold · Cashback

AEON Biker Gold

Good for

2% cash back on petrol and on insurance, up to RM15 a month each.
5% cash back on motorcycle spare parts, accessories, merchandise and services. Not counted here.
Needs only RM24,000 a year in income.

All cash back is capped at RM50 a month, supplementary and virtual card spend included.
Other spend earns 0.5%, spend abroad earns nothing, and e-wallet top-ups earn nothing.
RM95 annual fee from the second year, unless you spend RM10,000 a year.

Cash back, as a share of what you spend.

Spending	Earns	Details
Petrol in ringgit	2%	Up to RM15 back a month.
Insurance in ringgit	2%	Up to RM15 back a month.
Spending in ringgit except Petrol and Insurance	0.5%	Up to RM20 back a month.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload and more	Nothing	Government / LHDN / JPJ, 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.

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

Travel accident: Accidental death, permanent total disablement and ambulance fees
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 if you spend RM10,000 in a year.
Extra (supplementary) cards: RM60 a year Free with RM10,000 combined spend 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: 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