AEON Visa Gold

The everyday AEON Visa Gold credit card lets you earn 5% cashback on dining, and 1x AEON point when you shop. Travel with peace of mind with free access to Plaza Premium Lounge every year!

AEON Visa GoldCashback on dining & travel benefits
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get 5% cashback when you spend on dining, capped at RM25. The cashback will be credited and reflected in the following month's statement.

Dining5%RM25any amount monthly


Get exclusive discounts at AEON participating merchants and earn 1X AEON Point for every RM2 spent! Accumulated AEON Points can be exchanged for shopping, dining, and traveling vouchers. Points expire in 3 years so make sure you don't let them go to waste.

AEON Points Program
1 point on every RM2on retail spending (exclude petrol, government department, trading, utility bills, and all fees and charges related transactions)


Enjoy complimentary access to participating Plaza Premium Lounge in Malaysia up to 3x per year for the principal cardholder (subject to minimum spend), plus Travel Personal Accident coverage of up to RM200,000, terms apply.

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


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

Balance Transfer

Great value AEON Balance Transfer offers a 3% interest rate for a fixed term of 12 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

AEON 0% Instalment Payment Plan offers free instalments of up to 36 months at participating merchants. For all the other purchases, AEON Cards Flexi Payment Plan offers payment terms of 6, 12 and 18 months at Interest rates from as little as 2.5%.

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
  • 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
Daily Maximum Cash Withdrawal
Up to RM3,000
Contact-less Payment Methods
Visa payWave


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


Easy Payment Plan
AEON Cards 0% Instalment Payment Plan
Get your latest smartphone, home appliances, portable gadget what-have-yous affordably with an interest free instalment plan from AEON - available at selected merchants.
AEON Cards Flexi Payment Plan
Only with 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.


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 every year to enjoy the facilities and services including a massage chair, 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 with AEON Visa Gold

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

Every RM2 spent on your AEON credit card gives you back 1 reward point, with no tricks behind it!

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

For your reference, the redemption rate is 400 AEON Points = RM1.

On top of that, use your AEON credit card to pay your dining bills as you'll get a 5% cashback (capped at RM25 monthly).

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 really not a smart move, call AEON World Desk Centre which operates 24-hour 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 make the arrangement for you!

Comprehensive Insurance from AEON Visa Gold

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

Entitle yourself and your family members to free travel personal accident insurance up to RM200,000 when you charge your flight tickets to AEON Visa Gold card.

On top of personal accidents, the 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.

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