AEON Member Plus Visa Card (XPRESS+)
Only the most loyal customers are able to get this privileged card equipped with Prepaid Card function and Easy Payment Privileges.

Your Easy Payment application is approved instantly as long as the loan applied is still within the loan limit.

Fast Easy Payment Application Process. Just show the QR/Approval Code given to you to one of the Participating Merchant.

Earn 2X Points when you make prompt monthly payment to AEON Easy Payment.

Enjoy special profit rate as an AEON Member Plus Visa Card (XPRESS+) member.
Extra Prepaid Card Benefits

More Rewards
Earn 2X AEON Points for every RM1 payment in any AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness using AEON Member Plus Visa Card. Earn 1X AEON Point for every RM1 payment overseas with VISA Card acceptance.
Redeem your AEON Points via the AEON Credit website, AEON Wallet or any other medium which will be made available from time to time with denomination of every 200 AEON Points equivalent to Ringgit Malaysia One (RM1). Redemption is limited to only one (1) time per day. Your total number of AEON Points will be converted into an equivalent cash value and credited into your Card Account.
Redeem your AEON Points via the AEON Credit website, AEON Wallet or any other medium which will be made available from time to time with denomination of every 200 AEON Points equivalent to Ringgit Malaysia One (RM1). Redemption is limited to only one (1) time per day. Your total number of AEON Points will be converted into an equivalent cash value and credited into your Card Account.

Convenient Payment
With Visa payWave function, you can simply tap your card in front of a secure reader for payment at the participating merchants. No signature is required for purchases below RM250.

Wide Acceptance
You can shop in Malaysia and overseas with VISA acceptance. You also can enjoy online shopping and e-commerce.

Exclusive Privileges
Enjoy exclusive discounts up to 70% and privileges at over 200 participating merchants nationwide.
How to Get AEON Member Plus Visa Card (XPRESS+)?

Invite Only
This card is only by invitation. Eligible cardholder will receive an invitation via Email, SMS and Mail notification from AEON Credit.
Fees & Charges

Annual Fee
Annual fee is waived for the first year and Ringgit Malaysia Twelve (RM12.00) will be charged annually on the subsequent anniversary month.

Joining Fee
Waived

Top-up Fee
AEON Credit Service cash deposit machine: No Charges
AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness Cashier Counter: No Charges
AEON Wallet Online Banking: No Charges
Other banks’ online banking: ranging from RM0.10 to RM1.00 per transaction
AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness Cashier Counter: No Charges
AEON Wallet Online Banking: No Charges
Other banks’ online banking: ranging from RM0.10 to RM1.00 per transaction

Maximum Top-Up Amount
The maximum top-up amount for customers above 18 years of age and below 18 years of age is RM10,000 and RM1,500 respectively.

ATM Withdrawal Fee
AEON Credit ATM : No Charges
Other banks’ ATM / PLUS Network: RM10 per transaction
Visa cash-out fee at participating merchants: No Charges
Other banks’ ATM / PLUS Network: RM10 per transaction
Visa cash-out fee at participating merchants: No Charges

Overseas Transaction - Retail and Cash Withdrawal
Card transactions effected in currencies other than Ringgit Malaysia (RM) will be debited from the Cardholder's Account after conversion into RM, at the exchange rate as determined by Visa International on the day of conversion including a service fee of 1%.

Card Replacement Fee
RM12 (waived for card lost / stolen with police report attached).

Card Cancellation Fee
Waived

Sales Draft Retrieval Fee
RM15 per copy and request is only for transactions occurred in past 3 months.

Hardcopy Statement Request Fee
RM5 per copy and only requests for the last 3 months will be entertained.
Other Card Features & Benefits

Easy Top-up
Easy reload with various channels:
- AEON Credit Cash Deposit Machine
- AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness Cashier Counter
- AEON Wallet Online Banking
- Other banks’ online banking
- AEON Credit Cash Deposit Machine
- AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness Cashier Counter
- AEON Wallet Online Banking
- Other banks’ online banking

No Late Payment Charge
Say goodbye to monthly interest or late charges as you do not need to worry about any payment due date like credit cards.

Overseas Spend
Earn 1X AEON Point for every RM1 payment overseas with VISA Card acceptance.
Frequently Asked Questions (FAQ)
Q1. What is AEON Member Plus Visa Card (XPRESS+)?
AEON Member Plus Visa Card (XPRESS+) is a membership status that allow the Cardholders to enjoy instant approval in the participation of AEON Express Easy Payment at the participating merchants and Personal Financing Schemes.
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Q2. What can I get from this Card?
Two (2) AEON Points shall be rewarded to Cardholder for every One Ringgit Malaysia (RM1.00) upon initial payment and subsequent prompt monthly repayment made for AEON Express Easy Payment and Personal Financing Schemes. AEON Points will be rewarded upon full and prompt initial payment, monthly repayment or early settlement based on full settlement amount is made on the respective AEON Express Easy Payment and Personal Financing Schemes.
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Q3. Do I still get rewarded if I made partial payment, late payment or advance payment?
Any default payment, partial payment and late payment will not be eligible for AEON Points.
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Q4. Who can qualify for this Card?
This card is by invitation only. Eligible customers will receive an invitation Email, SMS or Mail notification from AEON Credit.
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Q5. What is the Wallet Size for the Card?

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Q6. How do I use the Card for Easy Payment Application?
You will have a QR code and eligible loan limit assigned to you on your web account if you are eligible for Easy Payment special benefit with this card. Just show the QR code to participating merchants, and you will be able to get your Easy Payment application approved instantly.
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Q7. Can I apply for a second loan with the QR code?
Yes, you can apply for a second loan with the QR code as long as there is sufficient eligible loan limit balance and it is still within the validity assigned.
Q8. Is there a limit on the value of goods that I can purchase with payWave technology?
In Malaysia, you can use your Visa payWave-enabled card for purchases of up to RM250 per transaction. No signature or PIN is required. However, for transaction more than RM250, you need to key in your 6-digits PIN for verification. Please check if your card has Visa payWave by spotting the "Visa payWave" logo printed on your card and the merchant accepts Visa payWave.
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Q9. Is there any chance that a payment amount may be deducted twice from my account?
No. Visa payWave is designed to accept only one transaction per card at a time. As a safeguard, each transaction must be either complete or void before another one can take place.
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Q10. Can I unknowingly make a purchase if I walk past the reader?
No. Visa payWave is designed to ensure that the Cardholder is always in control. The retailer must first have entered the purchase amount for approval and your card has to be held in very close proximity to the card reader (within 4cm) in order for a transaction to take place. Terminals can also only process one payment transaction at a time.
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Q11. If I still do not have the confidence in payWave technology, can I disable it? Or what other security features are there for the payWave function?
Yes, you may disable the function. However, to instill the Cardholders’ confidence in using the contactless function, we provide:
i. Facility to enable / disable the contactless functionality.
ii. Facility to set a cumulative contactless transaction limit. For amount exceeding the preferred cumulative contactless limit, PIN is required for the transaction to be approved.
Both facilities above can be changed by log on to www.aeoncredit.com.my.
Steps to turn-off contactless functionality / set a lower cumulative contactless transaction limit:
1.Login to www.aeoncredit.com.my
2.Under “My Account”, go to “Account Information”
3.Follow the instructions stated on the website
i. Facility to enable / disable the contactless functionality.
ii. Facility to set a cumulative contactless transaction limit. For amount exceeding the preferred cumulative contactless limit, PIN is required for the transaction to be approved.
Both facilities above can be changed by log on to www.aeoncredit.com.my.
Steps to turn-off contactless functionality / set a lower cumulative contactless transaction limit:
1.Login to www.aeoncredit.com.my
2.Under “My Account”, go to “Account Information”
3.Follow the instructions stated on the website
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Q12. Where can I use it?
This Card can be used both locally and globally where Visa Card is accepted including online purchases. With effect from 1st June 2015, AEON Prepaid Card cardholders are only allowed to make domestic and 3D Secure (Online transaction with one time passcode/OTP authentication) transactions in order to safeguard and promote the card security features. In contrast, all Overseas and Non-3D Secure Card Not Present (inclusive of mail order and telephone order) transactions will be disabled by default. AEON Prepaid Card Cardholders may request to activate Overseas and/or Non-3D Card Not Present transactions by contacting us via Tel: 603-2719 9999, Fax: 603-7863 7898, E-mail: customer.service@aeoncredit.com.my or log on to www.aeoncredit.com.my. However, during application of AEON Member Plus Visa Card, customer may choose to opt-in for this option.
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Q13. Do I have to pay for the annual fee?
Annual fee is waived for the first year and Ringgit Malaysia Twelve (RM12.00) will be charged annually on the subsequent anniversary month. To provide convenience to our customers, your annual fee will be deducted from your Card balance on the card anniversary date. An SMS will be send to you one (1) month prior to the expiry to remind you to top up sufficient balance in the card for the deduction, otherwise your Member function will be temporarily put on hold. AEON Points will be automatically used to redeem the annual fee in full or partially. The system will be configured to deduct from cash balance first. If the cash balance is insufficient, system will deduct the shortfall amount by way of redeeming AEON Points equivalent to the shortfall amount in denomination of RM1 (200 AEON Points).
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Q14. How to redeem my AEON Points earned through AEON Member Plus Visa Card?
You may perform AEON Points redemption via the AEON Credit website, AEON Wallet or any other medium which will be made available from time to time with denomination of every 200 AEON Points equivalent to Ringgit Malaysia One (RM1). Redemption is limited to only one (1) time per day. Your total number of AEON Points will be converted into an equivalent cash value and credited into your Card Account.
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Q15. How long can I keep my Points unredeemed?
The AEON Points earned are valid for up to three (3) years period from the year the AEON Points have been accumulated. Example: AEON Points earned from January 2017 to December 2017 is considered as AEON Points earned in year 2017 and will therefore expire on 31st December 2020.
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Q16. If during payment transaction I realized there is no sufficient balance, what should I do?
We provide the convenience to top-up at the AEON Stores, AEON BiG Hypermarkets, AEON MaxValu, AEON MaxValu Prime and AEON Wellness cashier counters, AEON Wallet and Cash Deposit Machines in AEON Credit branches at no cost.
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Q17. Does the AEON Member Plus Visa Card offer Supplementary Cards?
No. We do not offer Supplementary Cards. Every AEON Member Plus Visa Card is an individual card by itself for customer convenience and benefits.
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Q18. Where and how can I reload/top-up?
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Q19. How do I keep track of my spending?
Statement of Account is available via AEON Credit website for Cardholders by logging in on into our website at www.aeoncredit.com.my. Cardholders may check their balances via AEON Credit website, AEON Wallet or call our Customer Care Line at 03-2719 9999.
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Q20. Can I use my Card at Petrol stations?
Yes. For petrol transaction, the pre-authorisation amount of RM200 will be charged to your Card. This amount will be reversed and only the actual amount will be charged within 3 working days. To avoid from pre-authorisation amount, you can make payment using your Card at the respective petrol station’s cashier.
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Q21. What should I do when my Card is lost or stolen?
Please report lost/stolen of Card immediately to AEON Credit Customer Care Center at 03-2719 9999. A replacement Card will be issued and the balance (if any) from your lost/stolen Card will be transferred to your new Card. Replacement Card fee of RM12 will be charged. Please top up your account balance first to ensure you have sufficient funds to pay for the Replacement Card fee. However, waiver shall be reviewed on case by case basis if supporting documents such as police report can be provided.
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Q22. What do I need to do if I lost/forgotten my PIN?
You may visit any AEON Card kiosk or CDM at AEON Credit Service branches to reset your PIN. Alternately, you may also login to our website to reset your PIN.
Step 1: Login to www.aeoncredit.com.my.
Step 2: Under ‘My Account’, go to ‘SELECT AN ACTION’ dropdown list, select ‘SET/CHANGE CARD PIN’
Step 3: Follow the instructions stated in the website to reset your PIN.
Step 1: Login to www.aeoncredit.com.my.
Step 2: Under ‘My Account’, go to ‘SELECT AN ACTION’ dropdown list, select ‘SET/CHANGE CARD PIN’
Step 3: Follow the instructions stated in the website to reset your PIN.