AEON BiG Visa Gold Card
With our Cashback, you'll be bringing home some spare cash, not just groceries.
Enjoy 5% Cashback on the AEON BiG Thank you Member Day, 28th of every month.
Enjoy 5% Cashback for petrol every Sunday.
Enjoy 2% Cashback for online and overseas spending every day.
Earn 4X AEON Points on the 10th of every month at AEON BiG Stores nationwide.
Enjoy 3X Complimentary Access to Plaza Premium Lounge in Malaysia.
Savings Calculator
Petrol
*Capped at RM15 per account per month subject to total monthly Cashback of RM10,000 per month
AEON BiG
*Capped at RM100 per account per month subject to total monthly Cashback of RM50,000 per month
Online & Overseas Transactions
*Capped at RM15 per account per month subject to total monthly Cashback of RM10,000 per month
Requirements
Minimum Age:
Principal: 21 years old
Supplementary: 18 years old
Supplementary: 18 years old
Minimum annual income:
RM36,000
Documents required (non-returnable):
- I.C (front & back) for BOTH Principal & Supplementary card 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.
Fees & Charges
Annual Fees
Principal – 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 Charges
Finance Charge of the outstanding will be calculated on daily basis based on Tiered Finance Rate Structure as below:
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.
No processing/ penalty fee for early settlement of your AEON Balance Transfer.
Minimum Monthly Repayment
5% of Current Balance, 100% Service Tax, 100% Monthly Installment and 100% Past Due amount OR minimum of RM 50; whichever is higher.
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
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.
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.
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.
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.
Early Settlement is RM50 per request.
Card Features & Benefits
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.
AEON POINTS
- 4X AEON Points for every RM1 spent at all AEON BiG Stores nationwide on every 10th of the month.
- 2X AEON Points for every RM1 spent at all AEON BiG Stores nationwide every day (Except 10th of the month).
- 1X AEON Point for every RM2 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 400 AEON Points = RM1.
Complimentary Access to Plaza Premium Lounge
Enjoy 3X access in a calendar year to Plaza Premium Lounge in Malaysia for Principal Cardholder
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
*This Insurance is underwritten by MSIG MALAYSIA and subject to terms and conditions of the respective master policies
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
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
ÆON-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 ÆON-XPRESS Easy Payment are offered by ÆON Credit Service separately to the cardholder and subject to individual scheme’s terms and conditions, besides the terms of the credit card issuance.
Note: Instant approval is subject to qualifying criteria. The ÆON-XPRESS Easy Payment are offered by ÆON 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 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.
Terms & Conditions apply.
Value Added Benefits
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.
There is no processing fee and penalty for early settlement of your AEON Ready Cash plan.
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!
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!
* 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 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.
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 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:
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 Advance
Stop worrying and start living your life! ÆON Credit Cash Advance offers instant cash anywhere, anytime. It’s that simple and convenient!
Credit Limit Increase
Maxed out your credit limit? Just apply for the ÆON Credit Limit increase and enjoy greater flexibility and financial freedom.
Permanent Increase in Credit Limit
New credit limit to suit your standard of living
Temporary Increase in Credit Limit
2 months for overseas travel, medical, education, hospitalization and compassionate purposes
Permanent Increase in Credit Limit
New credit limit to suit your standard of living
Temporary Increase in Credit Limit
2 months for overseas travel, medical, education, hospitalization and compassionate purposes
