AEON Biker Infinite Visa Card

What Is Special About AEON Biker Infinite Visa Card?

Similar to the Biker Gold card, the Biker Infinite Visa card offers cashback on parts, servicing, petrol, and insurance, but pushes almost every number higher and adds a set of travel perks Gold doesn't have at all, like Plaza Premium Lounge access and Visa Concierge.

The minimum income requirement jumps from RM24,000 to RM90,000 a year, and the annual fee goes from RM95 to RM300. This card makes the most sense if you spend heavily on your bike and also travel enough to make use of the lounge access and travel insurance.

How The Cashback Works

Cashback is split into five tiers:

• 8% on spare parts, accessories, merchandise, and motor servicing (MCC 5532, 5533, and 5571)
• 8% on overseas spend, once converted to RM
• 2% on petrol (MCC 5541 and 5542), capped at RM20 a month
• 2% on insurance transactions (MCC 5960 and 6300), capped at RM20 a month
• 0.5% on everything else you buy on the card, except e-wallet top-ups

All cashback is capped at RM100 per month across your principal, supplementary, and virtual card spending, and it's credited to your account the following month. 

Even though overseas spending earns 8% cashback, you'll still pay AEON's usual 1% currency conversion fee on those transactions, so your real return is closer to 7%.

Travel And Lifestyle Perks

You'll enjoy 8 complimentary visits a year to Plaza Premium Lounge, usable in Malaysia, Thailand, Singapore, Japan, China, Hong Kong, and Indonesia. You can bring one guest each visit, though you'll need to spend at least RM500 (single or combined) within 30 days before or after each visit to qualify. 

You also get complimentary travel insurance of up to RM500,000, covering travel accidents, 24-hour personal accidents, ambulance fees, and travel delays, a big step up from the Gold card's RM4,000.

Additionally, cardholders get access to Visa Concierge, available by phone, WhatsApp, or email, as well as exclusive privileges at select motorcycle dealers, group rides, rallies, and bike shows. 

As with the Gold card, you'll get an instant virtual card through the AEON Wallet app, contactless payment, and an instant-approval Consumer Durable Easy Payment scheme covering purchases at over 5,000 merchants, up to 36 months (48 for gold, jewellery, and watches) from as low as 0.85% a month.

Annual Fee And Finance Charges

The annual fee is RM300 for the principal card and RM150 for a supplementary card, waived in your first year. After that, you'll need to spend RM42,000 in total (principal plus supplementary) in the year to get it waived again, a much higher bar than the RM10,000 the Gold card requires.

If you carry a balance, finance charges follow AEON's usual tiered structure: 15% p.a. if you've paid at least the minimum on time for 12 straight months, 17% p.a. for 10 or more months in the last 12, or 18% p.a. if you haven't hit either bar, calculated daily. Pay your statement in full and on time, and you get 20 interest-free days on retail purchases; cash advances don't get this grace period and cost 18% p.a. plus a 5% fee (minimum RM15) per withdrawal.

Who Can Apply

• Principal cardholder: 21 or older. Supplementary cardholder: 18 or older.
• Minimum annual income of RM90,000, whether you're Malaysian, Japanese, a Malaysian PR, or under MM2H. Unlike most other AEON cards, the income bar here is the same across all these groups.

What You'll Need To Apply

For salaried employees:

• A copy of both sides of your MyKad (and your supplementary cardholder's, if applicable)

For self-employed:

• Your latest 3 months of payslips, Form BE with tax payment receipt, or EA form
• Your latest 6 months of payslips if you're paid on commission
• Your Business Registration Certificate (or Form 9/24/49)
• Your latest 6 months of company bank statements or Form B with tax payment receipt

For Japanese nationals: 

• Your latest 1 month payslip or an employment letter as proof of income
• A copy of your valid MM2H social visit pass
• A working email address and mobile number, since AEON Credit sends a verification code to confirm your application