AEON Credit Service (M) Berhad (“AEON Credit”) was incorporated on 6 December 1996 and converted into a public limited company on 9 February 2007 and subsequently listed on the Main Market at Bursa Malaysia Securities Berhad on 12 December 2007. AEON Credit commenced operations in 1997 by providing Easy Payment schemes for purchase of consumer durables through appointed retail merchants and chain stores.

In end September 2021, AEON Credit completed the acquisition of 100% equity interest in an insurance broking firm, Insurepro Sdn Bhd which allows AEON Credit and its’ subsidiary (“the Group”) to distribute both conventional and takaful insurance products, including life insurance products by leveraging on the AEON Group Retail network and ecosystem.

Today, the business of the Group has expanded to include issuance of Credit Cards, Prepaid Cards, AEON Wallet App, Easy Payment Schemes, Hire Purchase Financing for Motor Vehicles, Personal Financing schemes, Insurance Broker and other related services. The Group currently has five Regional Offices, 64 branches and service centres located in the major shopping centres and towns, a network of more than 10,000 participating merchant outlets nationwide, as well as one subsidiary company in Kuala Lumpur.

OUR CORPORATE PHILOSOPHY is to support customer lifestyle and enable each individual to maximise future opportunities through effective use of credit.

OUR MISSION is to provide a wide range of consumer financial services that best meet customer needs and we are committed to serve customers to enhance their lifestyle through our products and services. We adhere to a strict code of corporate ethics and, at the same time, engage in activities which contribute to society.

AEON Credit Service (M) Berhad is guided by the AEON Group’s unchanging “Customer First” philosophy. Its aim is to surpass expectations by combining excellent products with unique services.

Pursuing peace, respecting humans, and contributing to local communities, always with customers as our starting point.

AEON firmly believes that retailing is an industry to promote peace, humanity, and local communities. To remain a thriving corporate group that fulfills this mission, we are committed to continuous innovation, with customers as our starting point.

Peace cannot be achieved without active and conscious engagement, whether it be in recovering from war and disaster or in maintaining and promoting living in peace. Our conviction is grounded in the real-life experience of Takuya Okada, Honorary Chairman and Senior Advisor to the President. After the Second World War, Mr. Okada witnessed a customer in line at a store, holding a flyer and weeping tears of joy, saying, "The war is really over," and he came to realize that the existence of retailing was a symbol of peace. From this realization, he decided that peace was a prerequisite for retailing to exist, and that retailing must contribute to the maintenance of peace.

Peace is more than just the absence of war and violence. It encompasses not only peace of mind but also resilience in the face of wars, disasters, and other hardships. Even in the 21st century, we continue to witness wars and face natural disasters such as earthquakes and extreme weather events more frequently than ever. This calls for us to rethink the value of peace now. Peace cannot be given by itself. Peace can only be maintained through our active and conscious engagement.

AEON will never do anything that contradicts peace. AEON will never take part in any such actions or activities. Our aim is to make a positive contribution to peace.

As for humans, by believing in and respecting each person, their abilities and aspirations will flourish, and by connecting with others, they feel much happier in their lives.

Honorary President Okada called the retailing sector a "humanistic industry." This means respecting the "human way," which includes having respect for each person’s individuality, dignity, and autonomy. It also means believing in their potential and encouraging them to grow and become better humans through work and learning. However, it is difficult for humans to grow alone, and it is through "human connections" that we can become better humans together with others. It is both a realization of happiness and a pursuit of norms among people. In short, retailing is an industry of people’s happiness and norms.
Enriching local communities requires us to respect the diversity and independence of each region, and to constantly meet and care for their specific needs.

Retailing is by nature a region-based industry that flourishes with the local communities. To maintain the richness and well-being of regions and the local communities within them, it is vital to take care of them continuously. This is one of the important roles of retailing. As regions and local communities increasingly become more important in the future, AEON will actively contribute to their prosperity by developing products tailored to each region and promoting the welfare of the local people.

AEON is committed to actively engaging in peace efforts, supporting human happiness and norms, and contributing to the prosperity of local communities. These ideals form the foundation of putting "customers as our starting point," which places the needs and preferences of our customers first at the center of our operations.

Putting our customers first means that we do not put ourselves first, that is, we do not think and act for our own convenience. On the contrary, we always put our customers first and act with the highest standards of integrity, which is the foundation of AEON. We will use this as a mirror to reflect ourselves and as the standard for every decision and action made by all AEON People. Even when it becomes tempting to prioritize our company's or personal interests or convenience, we must firmly resist and overcome such temptations to preserve our unwavering dedication to our customers.

To achieve this, AEON must be a corporate group that continues to innovate.
Ensuring a company’s growth and survival is of paramount importance, but without constant innovation, it will decline and eventually perish. Even if maintaining the status quo is stable and comfortable, a company should not be complacent but continuously change and improve itself. Having the foresight and insight to constantly look ahead to changes in our customers and various social changes, it is essential for us to continue innovating. All AEON People are dedicated to anticipating the evolution and changes in our customers’ lifestyles and the needs of society.

AEON has transformed from a family business to a corporation, and then to an industry. It has always preserved a dynamic corporate culture. However, as society changes faster and faster, we are most worried about losing the required innovative and entrepreneurial spirit and becoming stagnant like many large companies. We understand that static equilibrium, where the status quo continues without change, will not last at all. The only way to avoid being overtaken by newer innovators is for AEON to remain the largest and most advanced innovator. It is our firm determination to be an organization that constantly renews itself by keeping its founding spirit and staying ahead of its time.

AEON will act with the firm belief that by embodying and practicing these ideals, we can contribute to the maintenance and development of peace, humans, and local communities.
Vision Statement
Create a future lifestyle that leads to a smile for each and every person
The Future that the AEON Group Wishes to Realize
When customers can feel “a brighter society” and “happiness that is uniquely their own”, their future will be fulfilling and full of smiles.

  • A future where our customers can feel a brighter society
    A lifestyle with more new conveniences, comfort, and excitement. Resolving anxieties about environmental issues, disparities, and other negative aspects caused by social development.
    We wish to achieve these to realize a future where our customers can feel a brighter society.
  • A future where our customers can feel happiness that is uniquely their own
    To enable customers to understand their own potential and achieve self-growth; to be able to express their own personalities and charm. To enable them to find the right platform for themselves, with partners who can empathize and trust one another.
    We wish to achieve this to realize a future where our customers can feel their own happiness.
  • A future where our customers will be fulfilled and full of smiles
    Social development and individual happiness can sometimes conflict. Balancing these things will make our customers fulfilled and bring smiles to their faces.
    We wish to realize a future where smiles spread as far as one can imagine.

  • How the AEON Group Wishes to Be
    A Group that leads the co-creation of lifestyles, enriching each individual and society as a whole.
    We wish to be a group that creates a future lifestyle full of smiles together with our customers and colleagues who share our vision.

    We will evolve our products and services, playing roles with the keyword of “connection” to provide unprecedented value.

  • Connect deeply with individuals
    We wish to be a group that creates a future lifestyle full of smiles together with our customers and colleagues who share our vision.
  • Connect individuals with one another
    We will consider individual preferences and values as an opportunity to connect our customers with one another. We will provide our customers with opportunities, times, and places to share happiness and excitement with others, with whom they can empathize and trust, beyond the boundaries of generations and distance.
  • Connect individuals with society
    We will bring fulfillment to our customers by connecting them to their surroundings or enabling them to make a positive impact on others. We will provide opportunities and means for them to utilize their individuality and capabilities to experience the happiness of being part of society.
  • Expanding the circle of connections
    We will expand the circle of connections, from our customers’ neighbourhoods to their regions and to the world and enable them to imagine the richness of society as a whole, through their daily lives. We will also strive with our customers to create a lifestyle filled with the happiness of a brighter society.
  • The Attitudes and Vow that We Cherish
    In order to achieve our vision as a corporate group that is committed to ever-lasting innovative spirit, we will share the following three attitudes and one vow that we cherish to create a future lifestyle full of smiles.

    Three attitudes
  • “Act spontaneously and follow your aspirations”
    With our customer’s viewpoint at our core, we will hold our own aspirations, express ourselves, and act proactively. Our innovation will be powered by dialogue and cooperation that comes from our own initiative.
  • “Keep learning to create new values”
    Continuous learning is what expands the potential of our actions. Through practice, we will accumulate wisdom, sharpen our professional skills, and continuously create new values.
  • “Build relationships, nurture them, and create together”We will overcome the boundaries between corporations, groups, and organizations so we can build and nurture diverse connections. These connections will accelerate the cycles of mutual learning and value creation so we can co-create the future lifestyle.
    One vow
  • “Always act with integrity and sincerity”
    It is integrity and sincerity that allow people to trust in our actions and empathize with our aspirations. Empathy from our customers and allies is the starting point of co-creation.
    Going forward, we will cherish our vow to always act with integrity and sincerity.
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