AEON The Japan Club of Kuala Lumpur Visa
Made for JCKL members, this AEON card gives you 8% cashback on the 20th and 28th for your AEON shopping, free airport lounge visits, plus travel insurance.
Eligibility
Minimum Monthly Income
RM 4,000 (RM 48,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Japanese Association of KL
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest EPF statement; or
- Latest 3 months salary slip
- Latest 3 months bank statement (with salary being credited)
- A copy of your valid work permit (if any)
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Latest 6 months bank statements
- Business Registration Certificate (SSM); or
- Form 9/24/49; or
- Section 32, 58, 78 (if any)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free without conditions
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Shop at AEON Stores and AEON BiG on the 20th and 28th every month (AEON Thank You Day) and earn 8% cashback on what you spend.
Every retail purchase earns you 1X AEON Point for every RM1 spent. Stack them up to redeem gifts and vouchers, or cash them out at 200 points = RM1.
Get 6X complimentary Plaza Premium Lounge visits in Malaysia per year, plus travel insurance covering up to RM1,000,000 for air travel accidents and RM500 for flight delays.
Split your purchases into zero-interest instalments at participating merchants with the AEON Cards 0% Instalment Payment Plan, with tenures up to 36 months. Shopping somewhere else? The AEON Cards Flexi Payment Plan lets you convert purchases up to 18 months, with interest as low as 2.5%.
Move the outstanding balance from another bank's credit card to your AEON card and pay it off at a lower interest rate, from as low as 3%, over a longer tenure of up to 36 months.
Terms and Conditions
Product review by CompareHero
A Card For JCKL Members
This card works differently: you must already be a member of the Japan Club of Kuala Lumpur (JCKL), a community organisation for Japanese residents in KL, before you can apply.
Once you're a JCKL member, though, the card itself doesn't cost you anything to hold. There's no joining fee, no annual fee, and even a family (supplementary) card is free, a combination AEON doesn't offer on its regular cards.
In exchange for that membership requirement, you get rewards that look a lot like AEON's Member Plus Gold card: cashback on AEON shopping plus AEON Points, but with travel perks reserved for AEON's higher-fee cards, including lounge access for both the principal and family cardholder, and a sizeable travel insurance payout.
Cashback Reward On Purchases
The day-to-day rewards are simple:
- 8% cashback on purchases at AEON and AEON BiG on Thank You Days, the 20th and 28th of every month
- 1 AEON Point for every RM1 you spend, redeemable as cashback at a rate of 200 points to RM1
Travel Perks Most Free Cards Don't Have
Both the principal cardholder and a family (supplementary) cardholder each get 6 free visits a year to Plaza Premium Lounge at major airports in Malaysia. You'll also get complimentary travel insurance automatically whenever you buy flight tickets with the card: up to RM1,000,000 for accidents while flying, and up to RM500 if your flight is delayed.
On top of that, you get a virtual card which can be used the moment your application is approved, discounts of up to 50% at partner merchants covering shopping, dining, gyms, beauty, and hotels, and worldwide acceptance in Malaysia, Japan, and beyond.
No Joining Fee, No Annual Fee
Unlike most AEON cards, which waive the annual fee only if you hit a minimum spend each year, this card has no joining fee and no annual fee at all, for either the principal or family card, with no spending condition attached.
If you do carry a balance, though, the usual AEON finance charges apply: 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.
You get 20 interest-free days on retail purchases if you pay your statement in full and on time; cash advances don't get this grace period and cost 18% p.a. plus a 5% fee (minimum RM15) per withdrawal.
How To Apply
Before you apply, make sure your Japan Club of Kuala Lumpur membership is already active; you can register at jckl.org.my/how_to_join if you haven't yet. Beyond that, the eligibility rules are straightforward:
- Principal cardholder: 21 or older. Family (supplementary) cardholder: 18 or older.
- Minimum annual income of RM48,000.
What You'll Need to Apply
The documents you need depend on your employment status:
If you're employed:
- A copy of your passport (photo page) or both sides of your NRIC
- A copy of your work permit (visa)
- Your latest 1-month payslip, or an employment certificate from your employer
If you're on the Malaysia My Second Home (MM2H) programme:
- A copy of your passport (photo page) or both sides of your NRIC
- A copy of your MM2H visa
If you're self-employed:
- A copy of your passport (photo page) or both sides of your NRIC
- A copy of your Malaysian work permit, if you're a foreigner
- Your Business Registration Certificate, or Form 9/24/49
- Your latest 6 months of company bank statements
If you're applying for a family (supplementary) card:
- A copy of your passport (photo page) or both sides of your NRIC
AEON Credit may ask for additional documents while processing your application, and there's an optional bank auto-debit form if you'd like your monthly bill paid automatically.
If you need help in Japanese, AEON Credit's Japanese-language customer service line runs Monday to Friday, 9am to 6pm (excluding weekends and public holidays), by phone at 03-2719 9999 (press 4 for Japanese) or by email at [email protected].