Called up AEON Helpline.

Cannot send Application via e-mail. Says they need Original Hardcopy of Application Forms as records although I had applied online for OCBC and other Credit Cards before.

Went to their HQ with my Application Form and Pay Slips, BE Form etc. The CS asked me where is my KWSP Form,

I said, I have never needed KWSP Form for CC Before, I am not applying for a Loan. Luckily there was a KWSP Kiosk there else, if I left the Office, I would never come back again.

Hmm. the trouble just to get the RM150 CB every quarter.

AEON ppl, if you're reading this, please simplify your process.

Yes, to trigger the additional 3% Cash Back (capped at RM150 per quarter), you must spend min accumulated of RM3K every quarter. Not necessarily RM1,000 per mth but as long as every quarter is at least RM3K, u get the 3% on top of the normal Reward Points.

But remember, the cash back is capped at RM150 per quarter or RM5,000 accumulated spending.

For TNB / Telekom. go to their Office and fill up form for Auto Debit. As long as its a CC, the Auto Debit should go through and form part of the RM3K spending every quarter

This post has been edited by cfa28: Dec 18 2013, 03:18 PM

IMHO, petrol will be excluded from Retail spending that makes up the min RM3K accumulated spending. Refer to this link


". The following shall NOT be considered as retail transactions:

• Annual fee
• Late Payment Fee
• Finance Charge
• Cash Advance
• Any handling fee
• 0% Card Easy Payment and the installment paid
• Flexi Payment Plan and the installment paid
• Petrol transactions
• Balance Transfer transactions

http://www.aeonmalaysia.com.my/acs/af/kona...814#page=page-1

This post has been edited by cfa28: Dec 18 2013, 04:19 PM

I thought all online banking transaction only supposed to cost 10 sen per transaction.

anyone here using RHB Internet Banking, cos I can see AEON Credit as a recognised payee.

I think someone should inquire with either AEON Credit or BNM why there are chargong more than 10 sen for online transactions.

How long did it take for your application to be approved? I submitted my Application to the HQ last week. Until now, no news.

In contrast, I submitted my Application for Alliance Platinum yesterday and today, received SMS that Application is being processed. Gen-X, you're right, the Customer Service of AEON definitely needs to be improved together with their payment system.

Just to update

I submitted my form to HQ at Menara Olympia on 12 December. I just called the Helpline and was told my Application Dated 17 December is being processed. This is called WTF - submit to HQ on 12 Dec but only officially processed on 17 Dec. It should have been processed on 13 Dec and no later than 16 Dec. Also, AEON did not send any SMS notification unlike Alliance.

This post has been edited by cfa28: Dec 19 2013, 12:54 PM

It should be from 19 Dec 2013 to 19 Fev 2014.

You can refer to the example in the link below

For example, Principal Card approved on 15/11/12.

1st quarter = 15-11-12 until 14-02-13 (3 months).
2nd quarter = 15-02-12 until 14-05-13 (3 months).
3rd quarter = 15-05-13 until 14-08-13 (3 months).
4th quarter = 15-08-13 until 14-11-13 (3 months).

http://www.aeonmalaysia.com.my/acs/af/kona...814#page=page-1

So, your Card Dated 17 Dec 2013 (same as mine) was approved today after 2-days is not too bad. No idea how long it would take the Card to be couriered to Sarawak, probably a week or so from today. Lets hope u get is before Christmas or latest by the New Year.


There is no 'GST Waiver' for the AEON Watami CC. No special current promotion. This card is good for the first RM1,666 spending a month of RM5,000 per quatrer where u get 3% CB (Min spending is RM3K per quarter to qualify)



This post has been edited by cfa28: Dec 19 2013, 04:46 PM

you still get the 3% cash back if your quarterly spending is at least RM3,000 and capped at RM5,000 per quatrer.

3% returns every quarter is still better than FD returns.

All transactions save for the following:

The following shall NOT be considered as retail transactions:

• Annual fee
• Late Payment Fee
• Finance Charge
• Cash Advance
• Any handling fee
• 0% Card Easy Payment and the installment paid
• Flexi Payment Plan and the installment paid
• Petrol transactions
• Balance Transfer transaction

http://www.aeonmalaysia.com.my/acs/af/kona...814#page=page-1

When I handed over my forms, I was also told that my EPF Statement was missing. I told the Aeon Guy, why the heck would u need EPF Statement for CC. EPF Statement is only req say when u apply for Housing Loan.

But the guy says, Company Policy but luckily, there was a EPF Kiosk there.

I suspect is cos AEON is not a Bank, there may not have access to CCRIS hence, they want EPF Statements as a precaution

When I applied concurently for my Alliance CC, the CS said that EPF Statement was not required.

The last time I applied for OCBC about 2-years ago, also was not necessary.

AEON is really very slow in approving / responding. Perhaps its the Holiday Season

My Time Line

12 Dec - Submitted application to HQ
17 Dec - Under Process (based on Automated System, first called on 18 Dec)
19 Dec - AEON Called to verify my details

And then complete silence. The Automated System still say under process.

Have u managed to collect your Card yet?

I submitted by Hand to the HQ at Menara Olyimpia.

U can refer to the AEON Website for places that u can hand in the forms or call the help line at

03 2719 9999

Tks for the update. Congrats and enjoy your 3% cash rebate. Have to wait longer for mine.

http://www.aeonmalaysia.com.my/acs/af/kona...814#page=page-2

Annual Fee Waiver

First year annual fee for Principal Card is automatically waived. For subsequent years, the annual fee will be waived when you spend at least 12 times per year.

Most CC will offer GST waiver / absorption for new applicant for First Year only. Subsequent years is usually NO.

No idea why, cos to keep an existing customer is cheaper than getting a new one. Why not just offer GST absorption with T&C?

What you can do is to wait at the Petrol Station and approach those people paying cash.

Encik / Puan, tak payah guna cash, encik Bayar saya cash, saya guna Credit Card saya.

Setiap RM50, saya bagi discount RM1

U still make 3% free money....

maybe u can call AEON Credit in advance and inform them that u intend to treat all your relatives Petrol.

But in all honesty, the SOP for most CC is if there is 3 swipes within say 1-hour at the same shop, automatically, the Card will be blocked.

Finally received my Card.

My Time Line:

12 Dec - Submitted application to HQ
17 Dec - Under Process (based on Automated System, first called on 18 Dec)
19 Dec - AEON Called to verify my details
24 Dec - Card Approved
26 Dec - Card despatched by AEON using POS Daftar
31 Dec - Arrived at my Office

Now need to rush my Insurance Agent to submit the Auto Debit form to change the CC from OCBC to this Card.

Yes but only if quarterly spent is at least RM3K and capped at RM5K.