AEON Member Plus Visa Platinum
10% AEON cashback on Thank-You Days + lounge access
Apply for AEON Member Plus Visa Platinum →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
AEON Member Plus Visa Platinum overview
The AEON AEON Member Plus Visa Platinum is a Platinum-tier Visa hybrid card built around cashback and rewards points. 10% AEON cashback on Thank-You Days + lounge access. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM200 (free 1st year; waived at rm18,000/yr spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓10% cashback at AEON/AEON BiG on the 20th & 28th (cap RM100/mo)
- ✓6 Plaza Premium lounge visits/year
- ✓Up to RM1m travel insurance + 0% instalment plans
Is the AEON Member Plus Visa Platinum worth it?
The AEON Member Plus Visa Platinum is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 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; waived at rm18,000/yr spend)
- +Up to 10% cashback on aeon thank-you days (20th & 28th)
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM200 annual fee unless the waiver condition is met
- −Cashback capped at RM100 a month
- −Higher income requirement — RM60k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
The top rate rewards one main category — great only if that fits your spending. 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 Platinum, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- The 10% AEON Thank-You-Day cashback only applies at AEON/AEON BiG stores on the 20th & 28th; the separate 2% online-spend cashback excludes government-department and trading transactions and all fees/charges-related transactions. AEON Points (1x per RM2 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 (6x/yr) requires min RM500 spend (single or cumulative) within 30 days before/after entry.
- How the cap works
- 10% Thank-You-Day cashback capped at RM100/card/calendar month. The separate 2% online-spend 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 6x AEON Points per RM2 (in foreign currency, upon conversion to RM) — separate from the 10% 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 Platinumterms & product disclosure →AEON Member Plus Visa Platinum FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). AEON also considers your overall credit standing.
The annual fee is RM200, but it can be waived: free 1st year; waived at rm18,000/yr spend.
It earns up to 10% cashback on aeon thank-you days (20th & 28th), capped at RM100 a month. 10% AEON cashback on Thank-You Days + lounge access.
No — the AEON Member Plus Visa Platinum is a conventional credit card. Check with AEON for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want cashback and rewards points — its main draw is "10% AEON cashback on Thank-You Days + lounge access". Weigh the RM200 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 Platinum 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.
