• Min. Monthly Income

    RM2,000

  • Interest Rate

    13.5% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM30

Feature Highlights
  • 5% discount at WATAMI Japanese Casual Restaurants worldwide
  • 2x AEON Reward Points for spending in all WATAMI Japanese Casual Restaurants locally and overseas retail spend
  • 1x AEON Reward Point for every RM1 on other retail spend
Entertainment
5.33/10
Groceries
5.33/10
Insurance / Health
5.33/10
Shopping
5.33/10
Dining
5.33/10

Entertainment

  • 1x point for every RM1 spent

Groceries

  • 1x point for every RM1 spent
  • Enjoy rewards and discounts when you shop using your AEON Credit Card at participating merchants

Insurance / Health

  • 1x point for every RM1 spent

Shopping

  • 1x point for every RM1 spent
  • Enjoy rewards and discounts when you shop using your AEON Credit Card at participating merchants

Dining

  • 5% discount at WATAMI Japanese Casual Restaurants worldwide
  • 10% cash rebate with minimum spend of RM100 in a single receipt after discount in WATAMI
  • Receive a RM30 WATAMI Birthday Treat when you charge your dining bill in any local WATAMI Japanese Casual Restaurants to your Principal AEON WATAMI Card in your birthday month
  • Receive a RM50 WATAMI Anniversary Treat when you charge your dining bill in any local WATAMI Japanese Casual Restaurants to your Principal AEON WATAMI Card in your anniversary month

Other Features

  • Free Flight Travel Personal Accident up to RM200,000 when you charge your flight tickets to your AEON cards

  • Balance Transfer

    • Min. transfer amount: RM1,000
    • 0.00% p.a for a tenure of 6 months

  • Instalment Plan

    • Interest free installments for up to 36 months on the latest mobile gadgets and electrical items at all participating merchants

Card Information

Annual Fee RM30 (Free with minimum of 12 transactions per year, first year annual fee waived)
Min. Monthly Income RM2,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder No annual fee
Finance charges 13.5% p.a. – prompt minimum payment for 12 consecutive months

17% p.a. – prompt minimum payment of at least 10 out of 12 months

18% p.a. – if the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

80% of prescribed available credit limit

Cash advance charge

Higher of RM15 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

RM50 per transaction

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Earn Rewards When You Dine in WATAMI Worldwide!

The AEON WATAMI VISA Classic Card gives you 5% discount at WATAMI Japanese Casual Restaurants worldwide and another 10% cash rebate with minimum spend of RM100 in a single receipt after discount in WATAMI. Rebate is capped at RM50 per transaction. Besides, it offers a 3% Quarterly Cash Rebate for total retail transactions spent excluding the local WATAMI Casual Japanese Restaurants with an accumulated spend of RM3,000 per quarter by both Principal and Supplementary Cardholders. You also earn double ÆON Reward Points when you spend in all WATAMI Japanese Casual Restaurants locally and overseas retail spend whereas other retail spending will give you 1 AEON Reward Point for every RM1.

Fees and Charges

The annual fee for this card waived for the first year, and free for the subsequent years with a minimum of 12 transactions per year, otherwise is RM30. By settling your payments promptly on time (this means settling the minimum payment, 5% of the outstanding balance or RM50 whichever is higher) you get to enjoy a low finance charge of 13.5% per annum. As for the late payment charges, amount charged will be 1% of outstanding balance or RM10 (whichever is higher), capped to a maximum of RM 100. Also, if you wish to do a balance transfer, there is a minimum transfer amount of RM 1,000 and comes with a 0.00% rate for 6 months tenure.

Are You Eligible For The AEON WATAMI Visa Classic Card?

To apply for The AEON WATAMI Visa Classic Card, you need a minimum income of RM2,000 and to be at least 21 years old for principal holder and at least 18 years old for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as AEON Classic Visa / MasterCard and Maybank Visa Classic, which may match your requirements.

If you prefer to broaden your credit card search, review more AEON credit cards and start comparing today!