AEON BiG Visa Gold Credit Card
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Overview
Important Notice: Discontinuation of AEON Big Visa Gold Credit Card Issuance. Click here for more information
8% AEON Store Cashback
Get 8% Cashback on the 20th & 28th every month at AEON Stores & AEON BiG Hypermarkets
3X AEON Points
Earn 3X AEON Points at AEON stores and AEON BiG Hypermarkets
Dining Cashback
Enjoy 5% Cashback on Dining Transaction
3X AEON Points
Earn 3X AEON Points at AEON stores and AEON BiG Hypermarkets
Free Parking
Enjoy parking rebates up to 2 hours. Available at selected AEON Malls & AEON BiG Hypermarkets.
Credit Card Requirements
Minimum Age & Annual Income
- Principal: 21 years old
- Supplementary: 18 years old
- Minimum Annual Income: RM36000 (for Malaysians)
- Minimum Annual Income: RM48000 (for Japanese, Malaysian PR, and MM2H applicants)
Documents Required (Non-Returnable)
- MyKad photocopy (both sides) for both Principal & Supplementary applicant(s).
- Latest 3 months salary slip/EPF statement/Form BE (with tax payment receipt)/Form EA for employed.
- Latest 6 months salary slip/EPF statement/Form BE (with tax payment receipt)/Form EA for commission-based salary.
- Business Registration Certificate or Form 9/24/49 & latest 6 months company's bank statements/Form B (with tax payment receipt) for self-employed.
Valid Email Address and Mobile Number
- Principal & Supplementary card applicant is required to have a valid email address and mobile phone number for verification purposes.
- A Verification Code will be sent to applicant for the sole purpose of details verification in order to complete the application process.
- If application is made via the Telemarketing channel, AEON Credit Telemarketing Officer will contact the applicant to confirm on the Verification Code.
Features and Benefits
Important info about AEON BiG Visa Gold Credit Card.
AEON Points- 2X AEON Points at every RM2 spent at AEON Stores (AEON retail, MaxValu, Daiso (by AEON), Komaiso, AEON Delight, MyAEON2Go, AEON Fantasy, AEON Wellness), and AEON BiG Hypermarkets every day (except 20th and 28th).
- 1X AEON Point for every RM1 spend for member recognition in all AEON Stores, AEON BiG Hypermarkets, AEON Maxvalu Prime, AEON Wellness and Daiso (by AEON).
- 1X AEON Point for every RM4 spend on other transaction exclude dining, petrol, government department, trading, utility bills, and all fees and charges related transactions.
- 3X AEON Points for every RM2 overseas spend*.
*Effected in foreign currency only, upon conversion to RM
NOTE: AEON Points will be credited and reflected in the following month’s statement.
Accumulate your AEON Points and convert it into cash at the conversion rate of 200 AEON Points = RM1.
8% Cashback on AEON Thank You Day- 8% Cashback on AEON Thank You Day at AEON Stores (AEON retail, MaxValu, Daiso (by AEON), Komaiso, AEON Delight, MyAEON2Go, AEON Fantasy, AEON Wellness), and AEON BiG Hypermarkets on the 20th & 28th of every month.
- Cashback is capped at RM100 per card account per calendar month.
NOTE: Cashback will be credited and reflected in the following month’s statement. Cashback will be awarded based on transaction dates (20th and 28th of the month) in which the transactions are successfully posted in AEON Credit system.
5% Cashback on Dining Transaction- Applicable to dining transactions with MCC 5812 and 5814.
- Capped at RM25 per card account per calendar month.
- Cashback is issued in MYR currency only.
NOTE: Cashback will be credited and reflected in the following month’s statement.
Complimentary Access to Plaza Premium Lounge- Enjoy 3X access in a calendar year to Plaza Premium Lounge in Malaysia for Principal Cardholder.
- Spend min RM500 in single or cumulative transactions within 30 days before and/or after PPL entry date.
Travel Insurance CoverageUp to RM200,000 insurance coverage.
*This Insurance is underwritten by MSIG MALAYSIA and subject to terms and conditions of the respective master policies.
Virtual Card- Activate and spend virtual credit card instantly, while waiting physical card delivery.
- Conveniently accessible via AEON Wallet.
Free Parking- Enjoy up to 2 hours of free parking with your AEON BiG Visa Gold Credit Card at selected AEON Malls and AEON BiG Hypermarkets. Subject to 10% convenience service fee and 6% SST.
Ready CashGet extra cash swiftly from your available credit limit with AEON Credit Card and repay in affordable monthly instalments.
There is no processing fee and penalty for early settlement of your AEON Ready Cash plan.
There is no processing fee and penalty for early settlement of your AEON Ready Cash plan.
Balance TransferSave on your credit card debt with AEON Balance Transfer Plan.
Consolidate your outstanding balances from other credit cards and transfer it to your AEON card at lower interest rate.
There is no processing fee and penalty for early settlement of your AEON balance transfer plan.
Consolidate your outstanding balances from other credit cards and transfer it to your AEON card at lower interest rate.
There is no processing fee and penalty for early settlement of your AEON balance transfer plan.
* If you pay only minimum monthly repayment
** If you make full monthly payment of your Balance Transfer instalments For more Information, call 03-2719 9999
** If you make full monthly payment of your Balance Transfer instalments For more Information, call 03-2719 9999
Flexi Payment PlanCall us today and we will help to convert your purchases to affordable monthly instalments.
Transactions that have not been posted or stated in the current month’s statement can be converted to a Flexible Payment Plan after three working days from the date of purchase.
Transactions that have not been posted or stated in the current month’s statement can be converted to a Flexible Payment Plan after three working days from the date of purchase.
0% Instalment Payment PlanWith our 0% Instalment Payment Plan, you can get your hands on the latest mobile gadgets or electrical items and enjoy interest free instalments up to 36 months, varies by individual merchants*.
Note: No finance charges shall be incurred subject to all instalments being paid on or before the due date.
*List of merchants and the tenure as per below:
Cash AdvanceStop worrying and start living your life! AEON Credit Cash Advance offers instant cash anywhere, anytime. It’s that simple and convenient!
Credit Limit IncreaseMaxed out your credit limit? Just apply for the AEON Credit Limit increase and enjoy greater flexibility and financial freedom.
Permanent Increase Credit Limit
New credit limit to suit your standard of living
New credit limit to suit your standard of living
Temporary Increase Credit Limit
2-months for overseas travel, medical, education, hospitalisation, and compassionate purposes
2-months for overseas travel, medical, education, hospitalisation, and compassionate purposes
Annual FeesPrincipal – RM95*
Supplementary – RM60*
*First year waived, subsequent year waived with minimum of 12 transactions per year.
Supplementary – RM60*
*First year waived, subsequent year waived with minimum of 12 transactions per year.
Finance ChargesFinance Charge of the outstanding will be calculated on daily basis based on Tiered Finance Rate Structure.
Cash AdvanceFinance Charge is 18% p.a. of the Cash Advance amount calculated on a daily basis from the day of the cash withdrawal.
Cash Advance Fees5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance transaction.
Balance TransferStart from as low as 3% interest of total amount transferred.
No processing/penalty fee for early settlement of your AEON Balance Transfer.
No processing/penalty fee for early settlement of your AEON Balance Transfer.
Minimum Monthly Repayment5% of Current Balance, 100% Service Tax, 100% Monthly Instalment and 100% Past Due amount OR minimum of RM 50; whichever is higher.
Late Payment ChargesMinimum RM10 or 1% of the total outstanding retail and cash advance transactions, whichever is higher subject to a maximum of RM100.
Interest Free Period for Retail TransactionsCardholders that pay in full before/on payment due of the previous month’s statement will enjoy an interest- free period of 20 days for all retail transactions only.
Cardholders that pay minimum or any amount lesser than the statement balance before/on the payment due date of the previous month’s outstanding balances, will be charged finance charges as per applicable Tiered Finance Charge Structure for all Retail Transactions from posting date of the Retail Transactions.
Overseas TransactionCard transactions affected in currencies other than Ringgit Malaysia will be debited to the Cardholder’s Account after conversion into Ringgit Malaysia, at the exchange rate as determined by Visa on the day of conversion including a service fee of 1.0%.
Card Replacement FeeDamaged Card will be replaced free of charge. If your card is lost or stolen, a fee of RM35 will be charged per card for first time replacement and RM50 per card for subsequent replacements.
Credit Balance Refund FeeIBG Fee of RM0.10 or cheque issuance fee of RM0.50, depending on instrument of refund requested by customers.
0% Instalment Payment PlanCancellation/Early Settlement is RM30 per request.
Sales Draft Request FeeOnly request for last 3 months will be entertained. RM15 per copy.
Liability for Unauthorised TransactionImmediately inform AEON Credit if you suspect your Card is lost or stolen, failing which you shall be liable in full for any unauthorised transaction affected through the use of your Card prior to reporting date.
Ready CashStart from as low as 3.99% interest of total amount transferred.
No processing/penalty fee for early settlement of Ready Cash.
No processing/penalty fee for early settlement of Ready Cash.
Flexi Payment PlanStart from as low as 2.5% interest of total amount converted. Early Settlement is RM50 per request.
Virtual Card- No SST.
- No annual fee.
- No replacement card fee.
- BNM tiered interest rate (same as physical card).
Built-in VISA payWaveDiscover the convenience of owning the AEON BiG Credit Card with Visa payWave. Pay by simply ‘waving’ your card when prompted by the contactless reader at checkout. It’s that easy!
Customer ServiceCustomer satisfaction is very important to us. Tell us about your experiences with AEON Credit Service. If you have any inquiries or problems relating to your card, call us at 03-2719 9999 or visit our AEON Credit Service Branch/Service Counter. Our Service Counters are open 7 days a week and on public holidays.
Worldwide Recognition and AcceptanceEnjoy international acceptance and instant cash at over 1 million Visa and Plus ATMs worldwide and affiliate banks in more than 210 countries.
AEON Credit Service Network StrengthWe are supported by over 63 AEON Credit Service branches nationwide and over 70 ATMs.
Lost/Stolen CardCard/PIN has been lost or stolen, or your PIN is disclosed to a third party? Make an immediate report by calling us at 603-2719 9999. Then, confirm in writing or fax all the lost/stolen card(s) details to:
AEON Credit Service (M) Berhad (412767-V)
P.O.Box 12754,50788 Kuala Lumpur
Fax : 03-7863 7898
P.O.Box 12754,50788 Kuala Lumpur
Fax : 03-7863 7898
e-StatementTo receive an e-Statement, simply register here. Upon successful registration, you can view your statement on our website or receive your next eStatement via your registered e- mail account.
Lower Interest Rate and Instant Approval for AEON-Xpress Easy PaymentAEON-XPRESS Easy Payment Scheme lets you purchase items at over 5,000 participating merchants nationwide. With an easy payment scheme of up to 84 months, enjoy rates starting as low as 0.50% per month.
Note: Instant approval is subject to qualifying criteria. The AEON-XPRESS Easy Payment are offered by AEON Credit Service separately to the cardholder and subject to individual scheme’s terms and conditions, besides the terms of the credit card issuance.
Shopping Online with One-Time Passcode (OTP)Enjoy a safer and more convenient online shopping experience when you use your AEON BiG Credit Card. Each time you make a purchase online with your AEON BiG Credit Card, we will verify your identity by asking you to enter a ‘ONE-TIME PASSCODE’ (OTP), which is a 6-digit password sent automatically to your mobile phone during the payment process. The One-Time Passcode (OTP) for online shopping provides better security and protection for online shoppers.
Supplementary AEON BiG Credit CardThree (3) Supplementary Cards can be extended to members of your family over 18 years of age. Supplementary Cardholder (s) will also be able to spend up to the Combined Credit Limit of your Principal Credit Card. An independent line of credit can also be allocated for their use. Each Principal and Supplementary Credit Card carries a separate account number so in the event of loss or theft, only the affected Credit Card needs to be cancelled and replaced. The unaffected Credit Card can continue uninterrupted usage.
Year Long PrivilegesEnjoy exclusive discounts at selected hotels, plus dining and shopping privileges at over 500 participating merchants nationwide.
Instant Approval of Consumer Durable Easy PaymentWith your AEON Gold Card, there’s a splendid way to get all that you want. Our AEON-XPRESS Easy Payment Scheme lets you beautify your home or go on a holiday via flexible, easy payments of up to 36 months for as low as 0.8% per month*. What’s really special is that your application will be approved instantly! Simply because you are an AEON Gold Cardholder. This privilege also allows you to make purchases at over 5,000 participating merchants’ outlets nationwide without reducing the available spending limit on your AEON Gold Card.
Terms & Conditions apply.
AEON BiG Visa Gold Credit Card
Swipe More, Save More with Cashback