AEON BiG Visa Gold Card
Annual Income
Annual Fee (Main)
Annual Fee (Sup)
Basic Info
Spending Criteria
Lounge Access
Mileage Partners
4X AEON Points for every RM 2 spent at all AEON BiG Stores nationwide on every 10th of the month.
2X AEON Points for every RM 2 spent at all AEON BiG Stores nationwide every day (Except 10th of the month).
1X AEON Point for every RM 4 spent on other transactions exclude petrol, government department, trading, utility bills and all fees and charges related transactions.
Accumulate your AEON Points and convert it into cash at the conversion rate of 200 AEON Points = RM 1.
Expenditure
Multiplier
Shopping
Transport
Pharmacy
Petrol
Utilities
Insurance
Groceries
Entertainment
Dining
E wallet
Education
Online e-commerce
Oversea
Hotel
Airlines
Duty Free
5% Cashback (Capped at RM 100 per card account per calendar month subject to total monthly Cashback of RM 50,000 on a first come first served basis) at AEON BiG Thank You Member Day on 28th of every month.
5% Cashback (Capped at RM 15 per card account per calendar month subject to total monthly Cashback of RM 10,000 for each category on a first come first served basis) for Petrol transaction on every Sunday.
2% Cashback (Capped at RM 15 per card account per calendar month subject to total monthly Cashback of RM 10,000 for each category on a first come first served basis) for Online (Applicable for online transactions with POS Mode Code “81” OR POS Condition Code “59” excluding government department, trading, all fees and charges related transactions) and Overseas transaction every day, EXCLUDE insurance MCC 5960 & 6300, mobile bill payments MCC 4813 & 4814 and utility bill MCC 4900.
Expenditure
Cash Back (Cap)
Shopping
Transport
Pharmacy
Petrol
Utilities
Insurance
Groceries
Entertainment
Dining
E wallet
Education
Online e-commerce
Oversea
Hotel
Airlines
Duty Free
TOTAL
Airlines
1,000 Partner Miles
Malaysia Airlines
AirAsia
Singapore Airlines
Cathay Pacific
Air France
EVA Air
British Airways
Etihad Airways
Turkish Airlines
Qatar Airways
Emirates
Japan Airlines
Qantas Airways
Vietnam Airlines
Thai Airways
United Airlines
Hainan Airlines
Delta Airlines
Batik Air
Full-service carrier (FSC)
Oneworld members:
Malaysia Airlines, Cathay Pacific, British Airways, Qatar Airways, Japan Airlines and Qantas
Star Alliance members:
Singapore Airlines, EVA Air, Thai Airways, Turkish Airlines and United Airlines
SkyTeam members:
Air France, Delta Airlines, Vietnam Airlines
No alliance:
Etihad, Erimates and Hainan Airlines.
Low-cost carrier (LCC)
AirAsia and Batik Air
Balance Transfer
- Balance Transfer Plan – It is a feature that allows you to move debt from one or more existing credit cards or loans to a new credit card, typically with a lower or promotional interest rate.
- Loan on Card Plan – It is a feature that allows a cardholder to convert their available credit limit into cash, which they can then repay in fixed monthly installments over a set period, often with a specific interest rate.
- Installment Plan – It is an easy payment plan breaks down a large purchase into manageable monthly installments, making it easier to afford expensive items over time.
- Periodically, certain banks may offer promotional campaigns with highly competitive interest rates. We recommend checking the credit card services page of each bank for the latest offers.
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the balance transfer plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the balance transfer accrues interest at 9.88% per annum.
Loan on Card
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- The name of this service differs across banks. For example, Maybank refers to it as EzyCash, AmBank as QuickCash, Hong Leong Bank as Call for Cash Plus, CIMB as CashLite, and RHB Bank as CashXcess, among others.
- The first value in the table represents the one-time upfront fee, while the second value denotes the annual interest rate. For instance, 3.99% / 0% means the Loan on Card plan imposes a 3.99% one-time fee with 0% annual interest. Conversely, 0% / 9.88% indicates no one-time fee is charged, but the Loan on Card Plan accrues interest at 9.88% per annum.
Installment Plan
Tenure / month
Interest Rate
Min Amount / RM
3
6
9
12
18
24
36
- 0% Easy Pay
- Only applies at selected partner merchants that have a collaboration with the bank.
- The bank absorbs the cost (or shares it with the merchant), so the customer enjoys true 0% interest.
- Tenure can be quite long (up to 36 months), but strictly limited to purchases at those merchants.
- Flexi Payment Plan (FPP)
- Can be applied to any retail purchase (not limited to partner merchants).
- Since it’s not subsidized by a merchant, the bank charges an interest rate (e.g., 9.88% p.a. or similar).
- Gives flexibility but at a cost.
Extra Information
Enjoy 3x complimentary access per calendar year to Plaza Premium Lounge for Principal Cardholders in Malaysia with a minimum spend of RM 500 in single or cumulative transactions within 30 days before and/or 30 days after the lounge visit date.
Element
Info
FD Pledge
FD Pledge Amount
Min Credit Limit
PPL Access (Main)
PPL Access (Sup)
PPL Spending Requirement
PPL T&C
TCL Access (Main)
TCL Access (Sup)
TCL T&C
Travel Insurance
Travel Insurance Max Coverage
Travel Insurance T&C
Golf
Golf T&C
Oversea FX Rate
Last Update