AEON Credit · Visa Infinite · Cashback

AEON Biker Infinite

Good for

8% cash back on spend abroad.
2% cash back on petrol and on insurance, up to RM20 a month each.
8% cash back on motorcycle spare parts, accessories, merchandise and services. Not counted here.
8 free Plaza Premium Lounge visits a year in Malaysia, Thailand, Singapore, Japan, China, Hong Kong and Indonesia, with a guest.

All cash back is capped at RM100 a month, supplementary and virtual card spend included.
Other spend earns 0.5%, and e-wallet top-ups earn nothing.
RM300 annual fee from the second year, unless you spend RM42,000 a year.
Needs an income of RM90,000 a year.

Cash back, as a share of what you spend.

Spending	Earns	Details
Spending in a foreign currency	8%	Up to RM60 back a month, shared with Spending in ringgit except Petrol and Insurance.
Petrol in ringgit	2%	Up to RM20 back a month.
Insurance in ringgit	2%	Up to RM20 back a month.
Spending in ringgit except Petrol and Insurance	0.5%	Up to RM60 back a month, shared with Spending in a foreign currency.
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.

Airport lounges: 8 free visits a year Plaza Premium. In Malaysia, Thailand, Singapore, Japan, China, Hong Kong and Indonesia. One guest per visit. 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 RM500,000 Travel accidents, 24-hour personal accidents, ambulance fees and travel delays.
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: RM300 Free the first year. Waived if you spend RM42,000 in a year.
Extra (supplementary) cards: RM150 a year Free with RM42,000 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: RM90,000 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

Concierge: Visa Concierge Call 1800 805 574 or WhatsApp +60 1800 805 572.
Card network: Visa Infinite