AEON Visa Gold

The everyday AEON Visa Gold credit card lets you earn up to 8% cashback and AEON Points on selected spending, including free access to selected Plaza Premium Lounge every year!

AEON Visa GoldCashback on dining & travel benefits
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 8%
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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Apple iPhone 15 PRO
worth RM5499
when you apply through RinggitPlus *

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Cashback

Enjoy 8% cashback when you spend during AEON and AEON BiG Thank You Day and 5% cashback when you spend on dining, capped at RM25. The cashback will be credited and reflected in the following month's statement.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
AEON and AEON BiG Thank You Day (Every 20th and 28th of the month, respectively)8%RM100any amount monthly
Dining Transaction5%RM25any amount monthly

Rewards

Every overseas transaction earns you 3x AEON Points. Spend on retail purchases at AEON Stores and AEON BiG and get 2x AEON Points, while other transaction gets you 1x AEON Point for every RM2 spent. The accumulated AEON Points can be exchanged for shopping, dining, and travel vouchers, and converted into cash at a conversion rate of 400 AEON Points = RM1. Note that the AEON Points expire in 3 years so make sure you don't let them go to waste.

AEON Points
EarnSpend
3 points on every RM1on overseas spending
2 points on every RM1on spending at AEON Stores and AEON BiG Hypermarkets everyday (except on the 20th and 28th of the month)
1 point on every RM2on other retail spending (exclude petrol, government service, trading service, utility bills, fees, finance charge, cash advance, Balance Transfer, service charges, tax)

Travel

Enjoy 3x complimentary access to participating Plaza Premium Lounge in Malaysia in a calendar year for the principal cardholder (subject to minimum spend). Additionally, enjoy complimentary Travel Insurance coverage of up to RM200,000 when you charge the full fare of your travels with this card. Other terms may apply.

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

Premium

AEON World Desk Centre provides personalised services and global assistance from lost and stolen cards to hotel reservations.

Balance Transfer

Enjoy much lower interest rates over a longer tenure when you transfer the outstanding balances from another bank's credit card to an AEON credit card with this balance transfer plan.

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

AEON 0% Instalment Payment Plan offers free instalments of up to 36 months at participating merchants. For all other purchases, AEON Cards Flexi Payment Plan offers payment terms of 6, 12 and 18 months 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

    Free for first year

    Waived when make minimum 12 transactions per year on the 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

Free Access to Plaza Premium Lounge with AEON Visa Gold

Stop wondering and poking your head around outside of the Plaza Premium Lounge, have access right into it at no cost at all! 

AEON Visa Gold gives you 3x complimentary access in a calendar year to enjoy the facilities and services including high-speed WiFi, a wide selection of movies and TV channels and reading materials.

However, this privilege can only be accessed when you make a minimum spend of RM500 in single or cumulative transactions within 30 days before and/or 30 days after the lounge visit date.

If you are not travelling alone, get your family and friends in too at a 20% discount on the entry fee simply by charging it to your AEON credit card.

Children aged between 3 to 11 years old, on the other hand, get to enjoy a 30% discount on the walk-in rates for all lounges in Malaysia.

Please read through the terms and conditions of this privilege here.

Swipe and Redeem AEON Points and Cashback with AEON Visa Gold

With every swipe of yours, you are closer to getting the item that you probably have been eyeing long before. 

Spending overseas using foreign currencies earns you 3x AEON Points for every RM1.

Every RM1 spent in AEON Stores and AEON BiG every day (except on the 20th and 28th of the month) gets you 2x AEON Points, while RM2 spent on other transactions gives you back 1x AEON Point, with no tricks behind it!

Collect them and redeem items that you'll find useful such as an annual fee waiver, cosmetics and perfume for your lovely wife, IT gadgets and more!

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

On top of that, use your AEON credit card during the AEON and AEON BiG Thank You Day (on the 20th and 28th of the month) to get 8% cashback, and pay your dining bills to get 5% cashback (capped at RM25 per card).

AEON Visa Gold - International Love

Make AEON Visa Gold your loyal travel companion and bring the convenience that it offers everywhere you go as this card is recognised internationally at over 19 million establishments. 

The less cash you carry, the less worry you have!

Personalised Assistance

Pickpockets are everywhere, not just in Italy or Rome. 

If you find your wallet got stolen, chasing after the thief is not a smart move. Instead, make a call to AEON World Desk Centre which operates 24 hours a day right away to cancel your AEON Gold credit card!

Need help with hotel reservations because you're always too busy? Contact them too and they'll arrange it for you!

Comprehensive Travel Insurance from AEON Visa Gold

Travelling is not all just about having fun, your family and your safety are equally as important too! 

Entitle yourself and your family members to complimentary travel insurance worth up to RM200,000 when you charge your flight tickets to AEON Visa Gold card. Click here to view the T&C.

On top of personal accidents, travel insurance will cover you for travel inconveniences as well such as loss or damage of personal luggage, loss or damage of travel documents, luggage delay and travel delay.

List of documents to prepare before making 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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