AEON JCKL Card By invitation
- Earns
- Up to 1 AEON Point per RM All spending
- Lounge
- 6 visits a year Plaza Premium
- Applications
- By invitation
- Annual fee
- Free for life 1% overseas fee, lower than most
Good for
- 1 AEON Point per RM1, about 0.5% back, as cash at 200 points = RM1.
- No joining fee or annual fee, for the main and supplementary cards.
- 6 free Plaza Premium Lounge visits a year in Malaysia, for the main and each supplementary cardholder.
- 8% cash back at AEON and AEON BiG on the 20th and 28th of each month. Not counted here.
Watch out
- Only for members of the Japan Club of Kuala Lumpur.
- The page is in Japanese and names no spend that is left out; this site counts petrol, government payments, utility bills and e-wallet top-ups as earning nothing.
What it earns
AEON Points, per RM spent. Each row says what the points are worth.
| Spending | Earns | Details |
|---|---|---|
| All spending | 1 point per RM | Worth 0.5% as cash. |
| Petrol, Government / LHDN / JPJ, Utilities and more | Nothing | Petrol, Government / LHDN / JPJ, Utilities, JomPAY / FPX / DuitNow to billers, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet. |
Points and transfers
- Cash
- 200 points for RM1 Redeemed in blocks of 200 points.
Travel
- Airport lounges
- 6 free visits a year Plaza Premium. At major airports in Malaysia. 6 visits each for the main and every supplementary cardholder.
- Overseas spending fee
- 1% 1% AEON service fee, on top of Visa's or Mastercard's exchange rate
Insurance
When you buy the air ticket with this card.
- Travel accident
- Up to RM1,000,000 Flight delay up to RM500.
- Travel inconvenience
- Not listed AEON Credit does not list this cover for this card.
- Shopping and fraud cover
- Not listed AEON Credit does not list this cover for this card.
Fees and charges
What it costs if you don't pay in full, or use it for cash.
- Annual fee
- Free for life No spending needed to keep it free.
- Extra (supplementary) cards
- No annual fee
- Service tax
- RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
- Interest
- 15%, 17% or 18% a year Depends on how reliably you paid the minimum over the last 12 months. None if you pay the full balance by the due date (20 days after your statement).
- Minimum monthly payment
- 5% of the balance, or RM50 Whichever is higher, plus service tax, installments and any past due amount.
- Late payment
- 1% of the balance, RM10 to RM100 Of the retail and cash advance balance, charged when the minimum payment is late.
- Cash withdrawal
- 5% fee, at least RM15 Plus 18% a year interest from the day you take it out. No interest-free days.
- Replacement card
- RM35
Who can apply
- Income
- By invitation
- Who
- Members of the Japan Club of Kuala Lumpur only
- Age
- 21 or older Extra cardholders from 18.
- Documents
- Passport (photo page) or NRIC copy (both sides)
- Employees: work permit (visa) copy and your latest payslip or an employment letter
- MM2H participants: MM2H visa copy
- Self-employed: Malaysian work permit (foreigners), business registration or Form 9, 24 or 49, and your latest 6 months' company bank statements
Where this comes from
- Product page Checked 20 Oct 2026
- AEON Credit Card Product Disclosure Sheet (MBD-PDS-F01 Rev 32, 16 March 2026) Updated by the bank 16 Mar 2026
- AEON Credit Card Product Disclosure Sheet, Japanese version (MBD-PDS-F04 Rev 19) Checked 20 Oct 2026
- AEON Credit Card Terms & Conditions (MBD-FRM-CCP-F01 Rev 23), cl. 53 AEON Points Checked 20 Oct 2026
- AEON Point Redemption guide: 200 AEON Points = RM1, in blocks of 200 Checked 20 Oct 2026
- Announcement: Revision of AEON Credit Card Points (20 Sep 2024): one point value of 200 AEON Points = RM1 across all AEON Credit Cards Checked 20 Oct 2026
- Plaza Premium Lounge Access Terms and Conditions (Jan 2026) Checked 20 Oct 2026