AEON Japan Club of Kuala Lumpur Visa Credit Card

Min. annual incomeRM48,000RM4,000 / month equivalent

Principal annual feeRM0

Card networkVisaConventional card

View with bank ↗← All AEON cards

6 visits / calendar yearSelected Plaza Premium Lounge

BEFORE YOU FLY

Airport lounge access

Conditional complimentary access

6 visits / calendar year

Selected Plaza Premium Lounge

Spend & visit rules: Spend RM500 on the same physical card within 30 days before and/or after the visit. IPP / FPP, balance transfers, Ready Cash, cash advances, quasi-cash, ABC, interest and fees are excluded.
Who can enter: Principal: 6 visits; supplementary: 6 visits. Each cardholder must meet RM500 on their own physical card.; No automatic free guest entry. Check applicable walk-in discount with the outlet.
Where it works: International-flight departures only at eligible outlets; Gold / Platinum / JCKL: Malaysia list; Biker Infinite also has selected international locations.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed – Outside coverage
KLIA T2 ✓ Listed – Outside coverage
The T2 lounge is at Gateway@klia2, Level 2M. AEON requires an international departure even though it is landside.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Physical AEON credit card required

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	– Outside coverage
KLIA T2	✓ Listed	– Outside coverage

Entry steps & validity

Physical card and boarding pass with matching name; one visit daily, usually up to 3 hours. Smart Traveller QR is not confirmed as a replacement in AEON’s current terms.

Calendar year; August 2026 terms. Non-qualifying visits can be charged back.

View eligible lounges Entry requirements

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

Cashback

Cashback
Eligible spending	Rate	Monthly cap
AEON / AEON BiG Thank You Day (20th and 28th)	8%	RM100 / account

AEON Points

AEON Points
Eligible spending	Earn	Redemption
Eligible retail purchases	1 point / RM1	200 points = RM1

Fees & charges

Principal annual fee: RM0
Supplementary annual fee: RM0
Annual fee waiver: Principal and supplementary annual fees waived. Japan Club membership is required.
Service tax: RM25 per physical principal / supplementary card on activation and anniversary; virtual card exempt.
Retail finance rate: 15% / 17% / 18% p.a., according to repayment history.
Cash advance interest rate: 18% p.a., calculated daily from withdrawal.
Cash advance fee: 5% of withdrawal or RM15, whichever is higher.
Daily cash withdrawal limit: Up to RM3,000, subject to available credit limit.
Minimum monthly payment: Higher of RM50 or 5% of current balance + 100% service tax + all instalments and past-due minimum payments.
Late payment charge: 1% of outstanding retail and cash-advance balance; minimum RM10, maximum RM100.
Overseas conversion: Visa / Mastercard exchange rate plus 1% service fee.
Interest-free retail period: 20 days when the previous statement balance is paid in full on time; cash advances / Ready Cash have no grace period.
Replacement card: First replacement RM35; subsequent RM50. Virtual replacement waived.

Requirements

Minimum annual income: RM48,000
Principal age: 21 years or above
Supplementary minimum age: 18 years
Documents: Identity and income evidence; salaried applicants: latest 3 months’ payslips or BE / EA form; self-employed: business registration and bank / tax records.
Product access: Japan Club of Kuala Lumpur membership must be arranged before applying.

Payment plans

Merchant 0% Instalment Payment Plan

Merchant 0% Instalment Payment Plan
Tenure	Rate	Qualification
Up to 36 months	0%	Participating merchants; minimum purchase and available tenures vary.

Physical cards only; virtual cards cannot be used for IPP. Early settlement: RM30 per transaction.

Purchase conversion & cash facilities

Purchase conversion & cash facilities
Facility	Pricing	Important condition
Flexi Payment Plan	Current quoted rate / tenure at application	Posted retail conversion before statement; early settlement RM50 per request.
Balance Transfer / Ready Cash	Current offered rate at application	Subject to approval and available limit; no early-settlement penalty.

Product features

Virtual card: Immediate eligible online use after approval; shares the physical card’s credit limit. No ATM withdrawal or merchant IPP.
Travel protection: Up to RM1 million travel accident protection; flight-delay benefit up to RM500, subject to the policy’s eligibility and claim rules.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.