AEON BiG Visa Gold Card

Enjoy Up to 15.45% Cash Rebates!

Apply Now

Overview

With our Cashback, you’ll be bringing home spare cash, not just groceries.

AEON BiG Cashback

Enjoy 5% Cashback on the AEON BiG Thank you Member Day, 28th of every month

Petrol Cashback

Enjoy 5% Cashback for petrol every Sunday

Cashback

Enjoy 2% Cashback for online and overseas spending every day

4X AEON Points

Earn 4X AEON Points at AEON BiG Hypermarkets

Premium Lounge

Complimentary 3X access to Plaza Premium Lounge for Principal Cardholder with minimum spend RM500

Virtual Card

Immediate access upon card approved

Calculate Your Savings

Our helpful tool to help you calculate your savings when spending with our AEON Credit Card.

Savings Calculator

Credit Card Requirements

Minimum Age & Annual Income

Principal: 21 years old
Supplementary: 18 years old
Minimum Annual Income: RM36000 (for Malaysians)
Minimum Annual Income: RM48,000 (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 Card.

AEON Points

4X AEON Points for every RM2 spent at all AEON BiG Stores nationwide on every 10th of the month.
2X AEON Points for every RM2 spent at all AEON BiG Stores nationwide every day (Except 10th of the month).
1X AEON Point for every RM4 spent on other transactions exclude petrol, government department, trading, utility bills and all fees and charges related transactions.

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.

How To Redeem AEON Points

Cashback

5% Cashback* at AEON BiG Thank You Member Day on 28th of every month.
5% Cashback** for Petrol transaction on every Sunday.
2% Cashback** for Online*** and Overseas transaction every day, EXCLUDE insurance MCC 5960 & 6300, mobile bill payments MCC 4813 & 4814 and utility bill MCC 4900.

* Capped at RM100 per card account per calendar month subject to total monthly Cashback of RM50,000 on a first come first served basis.
** Capped at RM15 per card account per calendar month subject to total monthly Cashback of RM10,000 for each category on a first come first served basis.
*** Applicable for online transactions with POS Mode Code “81” OR POS Condition Code “59” excluding government department, trading, all fees and charges related transactions.

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.

Download Terms & Conditions

Travel Insurance Coverage

Up to RM200,000 insurance coverage.

*This Insurance is underwritten by MSIG MALAYSIA and subject to terms and conditions of the respective master policies.

Download PDF

Virtual Card

Activate and spend virtual credit card instantly, while waiting physical card delivery.
Conveniently accessible via AEON Wallet.

Ready Cash

Get 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.

Download Terms & Conditions

ready-cash-table

Balance Transfer

Save 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.

Apply AEON Balance Transfer Plan now!

Download Terms & Conditions

balance-transfer-table

* 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

Flexi Payment Plan

Call 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.

Download Terms & Conditions

flexi-payment-plan-table

0% Instalment Payment Plan

With 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:
0-instalment-payment-plan-table

Download Terms & Conditions
View Participating Merchants

Cash Advance

Stop worrying and start living your life! AEON Credit Cash Advance offers instant cash anywhere, anytime. It’s that simple and convenient!
cash-advance-table

Credit Limit Increase

Maxed 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

Temporary Increase Credit Limit
2-months for overseas travel, medical, education, hospitalisation, and compassionate purposes

Download Form

Annual Fees

Principal – RM95*
Supplementary – RM60*
*First year waived, subsequent year waived with minimum of 12 transactions per year.

Finance Charges

Finance Charge of the outstanding will be calculated on daily basis based on Tiered Finance Rate Structure.
tiered-finance-rate-structure-table

Cash Advance

Finance Charge is 18% p.a. of the Cash Advance amount calculated on a daily basis from the day of the cash withdrawal.

Cash Advance Fees

5% of the amount advanced or a minimum of RM15, whichever is higher. This is imposed for each cash advance transaction.

Balance Transfer

Start from as low as 3% interest of total amount transferred.
No processing/penalty fee for early settlement of your AEON Balance Transfer.

Minimum Monthly Repayment

5% of Current Balance, 100% Service Tax, 100% Monthly Instalment and 100% Past Due amount OR minimum of RM 50; whichever is higher.

Late Payment Charges

Minimum 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 Transactions

Cardholders 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 Transaction

Card 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 Fee

Damaged 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 Fee

IBG Fee of RM0.10 or cheque issuance fee of RM0.50, depending on instrument of refund requested by customers.

0% Instalment Payment Plan

Cancellation/Early Settlement is RM30 per request.

Sales Draft Request Fee

Only request for last 3 months will be entertained. RM15 per copy.

Liability for Unauthorised Transaction

Immediately 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 Cash

Start from as low as 3.99% interest of total amount transferred.
No processing/penalty fee for early settlement of Ready Cash.

Flexi Payment Plan

Start 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 payWave

Discover 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 Service

Customer 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 Acceptance

Enjoy 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 Strength

We are supported by over 63 AEON Credit Service branches nationwide and over 70 ATMs.

Lost/Stolen Card

Card/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

e-Statement

To 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 Payment

AEON-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.
aeon-xpress-easy-payment-scheme-table

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 Card

Three (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 Privileges

Enjoy exclusive discounts at selected hotels, plus dining and shopping privileges at over 500 participating merchants nationwide.

Instant Approval of Consumer Durable Easy Payment

With 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. instant-approval-payment-scheme-table

FAQs

Who is eligible to apply for this card?
Applicants must be Malaysian citizens or Japanese nationals, aged at least 21 years old, with a minimum annual income of RM36,000.
How do I apply for this card?
Interested applicants may visit any AEON Credit Service branches nationwide or access to our website at myaeoncredit.com.my
What are the documents required to apply for this card?
• MyKad photocopy (both sides) including Supplementary Card applicant (s) MyKad (if applicable)
• Valid Passport / MyPR (front & back) / Employment Pass / Work Permit.

Employed
• Latest 3 months payslip/Form E (with tax payment receipt) / EA / Latest 6 months payslip for commission earners.

Self Employed
• Business Registration Certificate or Form 9/24/49
• Latest 6 months Company Bank Statement / Form B with tax payment receipt.

Foreigner (Japanese only)
• Minimum latest 1 month payslip / Employment letter as an income proof/Copy of valid MM2H (Malaysia My Second Home) social visit pass.
What are the features and benefits of this card?
AEON Points
• RM2 = 4X AEON Points (AEON BiG stores on 10th of every month)
• RM4 = 1X AEON Points spend on other retail transactions
(excludes Petrol, Government payments, trading, utilities bills and all fees and charges related transactions.

Cashback
• 5% Cashback on AEON BiG Thank You Day on every 28th of the month
(Capped at RM100 per cardholder per month with total monthly pool of RM50,000)
• 5% Cashback for petrol transaction every Sunday
(Capped at RM15 per cardholder per month with total monthly pool of RM10,000)
• 2% Cashback on online & overseas transaction everyday
(Capped at RM15 per cardholder per month with total monthly pool of RM10,000)

Travel
• Up to RM200,000 (when customer charge flight ticket to their AEON Credit Card)
• 3X complementary access to Plaza Premium Lounge in Malaysia

Other Value Added Benefits
Ready Cash
• Convert your available AEON Credit Card limit into cash with no documents required, no processing fee and termination fee.

Cash Advance
• Perform cash withdrawal anytime at any AEON Credit or Bank’s ATM (Automated Teller Machine) with your PIN.

Balance Transfer
• Transfer outstanding balances from other Banks’ Credit Card without early settlement fee.

Flexi Payment Plan
• Convert your purchases into an affordable monthly instalments payment plan.
How much is the annual fee charged for this card?
Principal Card – RM95
Supplementary Card – RM60
First year annual fee is waived. Subsequent yearly annual fee charges is waived upon usage of a minimum of 12 times transactions per year.