AEON Member Plus Visa Gold
8% AEON cashback on Thank-You Days + 5% dining
Apply for AEON Member Plus Visa Gold →Last updated 22 September 2026 · Reviewed by Raymond, Rates.my
AEON Member Plus Visa Gold overview
The AEON AEON Member Plus Visa Gold is a Gold-tier Visa hybrid card built around cashback and rewards points. 8% AEON cashback on Thank-You Days + 5% dining. It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It has an annual fee of RM95 (free 1st year; 12 transactions/year). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓8% cashback at AEON/AEON BiG on the 20th & 28th
- ✓5% dining cashback
- ✓3 Plaza Premium lounge visits/year + travel insurance
Is the AEON Member Plus Visa Gold worth it?
The AEON Member Plus Visa Gold is best suited to middle-income earners — its minimum income requirement is RM36,000 a year (about RM3,000 a month). As a hybrid card, it works best for spenders who want a mix of cashback and redeemable rewards points.
- +Annual fee waivable (free 1st year; 12 transactions/year)
- +Up to 8% cashback on aeon thank-you days + dining
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM95 annual fee unless the waiver condition is met
- −Cashback capped at RM100 a month
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards everyday spending, up to RM100/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — AEON sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the AEON Member Plus Visa Gold, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- The 8% AEON Thank-You-Day cashback only applies at AEON/AEON BiG stores on the 20th & 28th. AEON Points (1x per RM4 on other spend) exclude dining, petrol, government department, trading, utility bills and all fees/charges-related transactions.
- Min spend to earn
- None for cashback; Plaza Premium Lounge access (3x/yr) requires min RM500 spend (single or cumulative) within 30 days before/after entry.
- How the cap works
- 8% Thank-You-Day cashback capped at RM100/card/calendar month. The separate 5% dining cashback is capped at RM25/card/calendar month. Both post to the following month's statement.
- Foreign transaction fee
- MasterCard/VISA converts the transaction to Ringgit at their own exchange rate, plus a 1.0% service charge AEON Credit imposes on the converted amount (Credit Card Terms & Conditions §15.1–15.2).
- ⚠Overseas spend earns 3x AEON Points per RM2 (in foreign currency, upon conversion to RM) — separate from the 8% domestic Thank-You-Day cashback.
Verified 26 August 2026. Summarised in our own words from AEON's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official AEON Member Plus Visa Goldterms & product disclosure →AEON Member Plus Visa Gold FAQ
You need a minimum annual income of RM36,000 (about RM3,000 a month). AEON also considers your overall credit standing.
The annual fee is RM95, but it can be waived: free 1st year; 12 transactions/year.
It earns up to 8% cashback on aeon thank-you days + dining, capped at RM100 a month. 8% AEON cashback on Thank-You Days + 5% dining.
No — the AEON Member Plus Visa Gold is a conventional credit card. Check with AEON for any Islamic (card-i) equivalent.
It's a good fit for middle-income earners who want cashback and rewards points — its main draw is "8% AEON cashback on Thank-You Days + 5% dining". Weigh the RM95 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the AEON Member Plus Visa Gold compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with AEON before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by AEON; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.
