AEON BiG Visa Gold

Shop for necessities will never be boring anymore with all the reward points and rebates you'll get on every swipe! Enjoy 3x free access to Plaza Premium Lounge in Malaysia too, subject to a spending requirement.

AEON BiG Visa GoldCashback & Rewards
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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Cashback

Swipe more and save more with a 5% cash rebate at any AEON BiG Store on the 28th of every month, 5% cashback on petrol spending every Sunday, and 2% cashback on online and overseas spending every day. Note that online mobile bills, insurance and utility bill payments are not entitled to cashback.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
AEON BiG Thank You Member Day (28th of every month)5%RM100 up to RM2,000 monthly
Petrol transaction on Sundays only5%RM15 up to RM500 monthly
Online (Exclude insurance, mobile bill and utility bill payments) and Overseas Spend2%RM15any amount monthly

Rewards

Collect 4x AEON Points on the 10th of every month, 2x AEON Points on any other day and 1x AEON Points for other types of transactions. Collect AEON Points and redeem AEON exclusive gifts ranging from vouchers to merchandise, or convert them into cash at a conversion rate of 400 AEON Points = RM1.

AEON Points
EarnSpend
4 points on every RM1at all AEON BiG Stores nationwide every 10th of the month
2 points on every RM1at AEON BiG Stores everyday (except 10th of the month)
1 point on every RM2on other transactions (exclude petrol, government department, trading, utility bills, and all fees and charges related transactions)

Petrol

Fill up your fuel tank to the fullest every Sunday as you'll get a 5% cash rebate which is capped at RM15 per month.

Travel

Special for the principal cardholders, enjoy 3x free passes to participating Plaza Premium Lounge in Malaysia, subject to minimum spend criteria. Travel safely with complimentary travel insurance of up to RM200,000 when you charge your flight tickets to your credit card, terms apply.

Travel CoverageSum Insured
Travel InsuranceUp to RM200,000
Delayed FlightUp to RM400
Lost LuggageUp to RM250
Delayed LuggageUp to RM400

Balance Transfer

AEON Balance Transfer allows you to manage your debt with no frills and slash those dreadful interest charges away for up to 36 months!

Pay OverWith Interest Rate AtWhen You Transfer
12 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
18 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months4.5% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about AEON Cards Balance Transfer Plan

Easy Payment Plans

Ease your burden on big purchases with AEON 0% Instalment Payment Plan and break your payments into affordable monthly instalments for up to 36 months, entirely at your choice at participating merchants. Or choose over 6, 12 or 18 months Flexi Payment Plan at competitive rates.

AEON Cards 0% Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about AEON Cards 0% Instalment Payment Plan
AEON Cards Flexi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months2.5% one-time upfront handling feeRM500
12 months3.5% one-time upfront handling feeRM1,000
18 months5.5% one-time upfront handling feeRM2,000
Learn more about AEON Cards Flexi Payment Plan

Fees & Charges

Annual Fee
  • RM95 primary card

    First year free

    Waived when you swipe at least 12 times a year for subsequent years

  • RM60 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to RM3,000
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only

Features

Easy Payment Plan
AEON Cards 0% Instalment Payment Plan
Get your latest smartphone, home appliances, and portable gadget what-have-yous affordably with an interest-free instalment plan from AEON - available at selected merchants.
AEON Cards Flexi Payment Plan
Only one-time upfront interest makes AEON Cards Flexi Payment Plan an attractive choice for a small loan against your credit card. Available at AEON stores and selected merchants only.
Balance Transfer Plans
AEON Cards Balance Transfer Plan
AEON Cards offers 3% one-time upfront interest for 12-months on a transferred credit card balance from any other bank. No processing fee and penalty for early settlement.

Review

With AEON BiG Visa Gold Credit Card, you get to enjoy savings on your grocery shopping with cash rebates and reward points!

Up to 5% Cashback with AEON BiG Visa Gold

Highlights for AEON BiG Visa Gold

AEON BiG Visa Gold

AEON BiG Visa Gold

Cashback rates

5%

5%

2%

Highest cashback amount (per month)

RM100

RM15

RM15

Maximum spend to earn the highest cash back amount (per month)

RM2000

RM500

RM1,250

Eligible spend to earn the highest cashback rate

AEON BiG Thank You Member Day (28th of the month)

Petrol transactions, Sundays only

Online and Overseas transactions

Eligible Cardholder(s)

Principal and Supplementary

Just as you celebrate your monthsaries with your loving partner, AEON rewards its cardholders every month. 

AEON BiG Thank You Member Day falls on the 28th of every month, with a 5% cash rebate at any AEON BiG store. 

Filling up your petrol on Sundays also gives you 5% cash back with a cap of RM15 a month. 

While this credit card allows you to save on your daily spending needs, any purchases made online or abroad get you 2% cash back too! 

Note that the online category excludes insurance, mobile and utility bill payments.

Double The Savings

AEON BiG Member Points are stored in your AEON BiG Member Card Account and can be converted into cash rebates at AEON BiG Stores. It's as good as getting cash vouchers!

You are required to get an AEON BiG Member Card that will be integrated into your AEON BiG Visa Gold Credit Card.

4x Points: On every 10th of the month, every RM1 that you spend with your AEON BiG Visa Gold Credit Card at any AEON BiG Store across Malaysia earns you the highest of 4 member points.

2x Points: Collect 2 points for every RM1 spent in all AEON BiG Stores (except for the 10th of every month)

1x Point: 1 point to RM2 spent elsewhere (including overseas transactions).

You can convert your accumulated AEON Points into cash at the conversion rate of 400 AEON Points = RM1. 

Take note that petrol, government-related transactions and all instalment programs will not be entitled to AEON Points.

AEON BiG Visa Gold Airport Lounge Privilege You Can't Resist!

Sway your way into selected Plaza Premium Lounge in Malaysia like an elite by flashing your AEON BiG Visa Gold at the reception. 

With up to 3x free passes throughout the year, you can indulge in privacy and comfort while waiting for a boarding call for up to 3 hours.

However, to enjoy this free access, you must spend a minimum of RM500 on single or cumulative transactions within 30 days before and/or 30 days after the lounge visit date. 

For more details on the Plaza Premium Lounge free access, please check out the T&C here.

Free Travel Insurance Coverage of up to RM200,000

When you charge your flight tickets to your AEON BiG Visa Gold, enjoy free Flight Travel Personal Accident up to RM200,000 (underwritten by MSIG Malaysia). 

Please read through the terms and conditions here.

Built-in Visa payWave

AEON BiG Visa Gold comes with Visa payWave, a contactless transaction for a more convenient payment method.

Simply pay by waving your card when prompted by the contactless reader at checkout. No pin or signature is required! Hassle-free!

AEON Credit Service

AEON also has a strong network in Malaysia with AEON Credit Service supported by approximately 63 AEON Credit Service branches and over 70 ATMs nationwide. 

AEON’s service counters are open 7 days a week and on public holidays too. 

So if you have any problems or inquiries relating to your card, you can drop by one of AEON Credit Service branches. 

Alternatively, you can drop them a call at 03-2719 9999.

In terms of lost/stolen card or PIN, do make an immediate report by calling 03-2719 9999. Then, confirm in writing or fax the lost/stolen details to:

AEON Credit Service (M) Berhad (412767-V)
P.O.Box 12754,50788 Kuala Lumpur
Fax: 603-2781 0700

AEON BiG Visa Gold - Worldwide Recognition and Acceptance

Do you know that AEON credit cards are accepted at over 1 million Visa, Plus ATMs worldwide and affiliate banks in more than 210 countries?

Travelling the world with AEON credit cards is easy and convenient.

What are the required documents to make an application?

If you are a salaried employee, please prepare the following documents.

  • Copy of your IC (both sides)
  • Latest EPF statement; or
  • Latest 3 months salary slips; and
  • Latest 3 months' bank statement (with salary crediting)
  • A copy of your valid working permit*

If you are a commission earner, please prepare the following documents.

  • Copy of your IC (both sides)
  • Latest EPF statement; or
  • Latest 3 months salary slips; and
  • Latest 3 months' bank statement (with salary crediting)
  • A copy of your valid working permit*

If you are self-employed, please prepare the following documents.

  • Copy of your IC (both sides)
  • Business Registration Certificate; or
  • Form 9/24/49; or
  • Section 32, Section 58 and Section 78
  • Latest 6 months' company principal current account statements

*For Malaysian applicants working overseas.

Note: AEON CREDIT SERVICE may request additional documents at the financial institution's absolute discretion if required.

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