For comparison purposes only. Final terms are determined by the issuing bank.
Review
A basic cashback card for motorcycle-related spending
The AEON Biker Visa Gold Credit Card is the lower tier card in the AEON Biker lineup. It works best as a lifestyle cashback card for people who already spend on motorcycle parts, services, and related purchases. Compared with the Infinite version, the Gold card cuts back sharply on rewards and travel perks, so its appeal is more limited.
The main cashback value sits in a few specific categories. Cardholders get 5% cashback on spare parts, accessories, merchandise, and motor services. Petrol and insurance transactions earn 2% cashback, with each category capped at RM15 per calendar month. Other eligible retail spending earns 0.5% cashback. Total cashback is capped at RM50 per month, including spending on supplementary and virtual cards.
The extra benefits are fairly light. The card includes complimentary travel insurance for accidental death, permanent total disablement, and ambulance fees. Once approved, cardholders can use a virtual card through AEON Wallet while waiting for the physical card. There are also selected offers at participating motorcycle dealers and merchandise stores.
The minimum income requirement is RM24,000 per year. The annual fee is RM95, waived for the first year and waived in later years with at least RM10,000 in combined annual spend.
Verdict: The AEON Biker Visa Gold makes sense if you regularly spend on motorcycle-related services and want a simple cashback card with an easy income requirement. Outside those categories, the rewards are modest, and many entry-level cashback cards can do better. For most users, this card is only worth considering if its specific merchant offers fit their actual spending.
Pros
- Low income requirement of RM24,000 per year
- 5% cashback on motorcycle-related spending
- Simple cashback setup with very few rules to track
- Virtual card available for use right after approval
- Annual fee is easy to waive with RM10,000 annual spend
Cons
- Cashback is useful only if you spend often on motorcycle-related categories
- Petrol and insurance cashback are capped at just RM15 per month each
- Total cashback is capped at RM50 per month
- Basic 0.5% cashback on other retail spending is weak
- Travel benefits are limited compared with higher-tier cards
Cashback
| Category | CashbackTotal cap RM50/month | Cap |
|---|---|---|
Insurance (MCC 5960, 6300) | 2% | RM15 |
Petrol (MCC 5541, 5542) | 2% | RM15 |
Other Retail (excl. e-wallet top-ups) Excludes: e-Wallet | 0.5% | — |
Rewards rates, caps and eligibility are subject to bank-defined terms and conditions.
Information is compiled independently and may not always reflect the latest updates. Please refer to the relevant official website for final and up-to-date details.
Cashback Calculator
Cashback estimates are for reference only. Actual rewards may vary by merchant category, exclusions, and bank terms. Please refer to the official terms for final confirmation.
Monthly Spend
Estimate monthly cashback from eligible category spend.
Cashback Summary
Card benefits
Virtual Card
卡片批准後即可使用虛擬卡
旅遊意外保險
意外死亡、永久完全殘疾及救護車費用保障
Exclusive Offers
電單車經銷商及配件店專屬優惠