AEON Card JAL: Is it the Best AEON Card?

AEON Card JAL: Is it the Best AEON Card?

Top Dining Rates w/ AEON Perks

Good for

  • Frequent AEON shoppers
  • Those looking for competitive dining miles
  • People who want for an accessible and affordable card

Bad for

  • Consumers who prefer shopping at a variety of stores
  • High overseas spenders
  • People who prioritise luxury travel perks

Editor's Rating

4.0/5.0

Frequent AEON shoppers who often dine out may want to consider AEON Card JAL. Cardholders earn 0.125 JMB miles per HK$1 general spend, 0.143 JMB miles on spend at AEON stores and 0.167 miles on local dining & transactions in Japan. JMB miles are roughly equal in value to Asia Miles. Consumers can take advantage of special Member Price and "Thanksgiving Day" discounts at AEON.

Additionally, cardholders enjoy convenient travel perks like in-flight shopping discounts with JAL, 1 free HKIA lounge visit before a JAL flight with HK$150k annual spend, waived foreign currency transaction fees and more. Overall, AEON Card JAL is worth considering for AEON shoppers looking for top rewards on dining.

ProsCons
  • 0.167 JMB mi/HK$1 on local dining & in Japan
  • 0.143 JMB mi/HK$1 spend with AEON
  • Member Price & "Thanksgiving Day" discounts
  • Shopping perks limited to AEON stores
  • Elevated overseas rate applies only to Japan
  • No boosted rates on JAL flight bookings
Promotions:
  • Earn 2% cashback on 1st HK$25k spend 1st 2mo, OR:
  • Receive interest-free card instalment plan on first HK$25k spend in 1st 2mo
Card Overview
Pros:
  • 0.167 JMB mi/HK$1 on local dining & in Japan
  • 0.143 JMB mi/HK$1 spend with AEON
  • Member Price & "Thanksgiving Day" discounts
  • Promotions: Earn 2% cashback on 1st HK$25k spend 1st 2mo, OR:
  • Receive interest-free card instalment plan on first HK$25k spend in 1st 2mo
Cons:
  • Shopping perks limited to AEON stores
  • Elevated overseas rate applies only to Japan
  • No boosted rates on JAL flight bookings

What Makes AEON Card JAL Credit Card Stand Out

AEON Card JAL is worth considering for AEON shoppers who frequently dine out. Cardholders earn 0.125 JMB miles per HK$1 general spend, 0.143 miles at AEON, and 0.167 miles on local dining and transactions in Japan. This is amongst the highest rates available on dining, more than double the market standard 0.067 mi/HK$1 in that category. JMB (JAL Mileage Bank) miles rewards have approximately the same value as Asia Miles can be redeemed for flights and upgrades with JAL or any oneworld partner airline with no handling or conversion fees.

AEON Card JAL's dining rate is one of its most competitive features. The card also provides exclusive shopping and travel perks, however. Cardholders enjoy special AEON Member Prices, which provide rotating discounts on select electronics, fashion, groceries, home goods & more, as well as a 5% store-wide discount on "Thanksgiving Days" (the 2nd and 20th of every month). Since AEON sells such a wide variety of merchandise, cardholders can easily enjoy boosted rates and discounts on a great deal of their daily spend.

Breakdown of Discounts and Effective Savings

AEON Thanksgiving DaysSelect Duty-FreeJAL In-Flight
Purchase AmountHK$100HK$100HK$100
Discount5%5%10%
SavingsHK$5HK$5HK$10
JMB Miles Earned14.3016.7012.50
Value-to-ConsumerHK$1.40HK$1.67HK$1.25
Adj. Cost to ConsumerHK$93.57HK$93.33HK$88.75
Effective Savings6.43%6.67%11.25

Cardholders who occasionally travel can also benefit. AEON Card JAL offers a boosted rewards rate for spend in Japan and waives foreign exchange fees. Consumers also receive 1 free HKIA lounge visit before a JAL flight every year (with HK$150k annual spend), 10% off JAL in-flight shopping and 5% off duty-free shopping at the Narita and Tokyo International Airports.

Nonetheless, frequent travellers who spend a great deal abroad might prefer a card with higher overseas rewards rates and more generous travel perks, like Citi PremierMiles Visa Card or American Express Cathay Pacific Credit Card.

Comparison of AEON Card JAL's Rates & Perks to Traditional Travel Cards

Credit CardLocal/GeneralJapan/OverseasTravel Perks
Citi PremierMiles0.125 mi0.250 mi
  • Up to 12 free lounge visits/yr (w/ HK$5k spend in next mo.)
  • Free travel insurance
Amex Cathay Pacific0.125 mi0.188 mi
  • 2 free lounge visits/yr
  • Free travel insurance
  • No Marco Polo Club Green Tier Enrolment Fee
AEON Card JAL0.125 mi0.167 mi
  • 1 free HKIA lounge visit/yr before JAL flights (w/ HK$150k/yr spend)
  • Waived foreign exchange fees
  • JAL in-flight & duty-free shopping discounts
Citi PremierMiles' Overseas and Japan rates elevated to 0.333 mi w/ HK$20k spend/mo. AEON Card JAL's Japan/Overseas rate reflects spend in Japan only.

While AEON Card JAL does have an annual fee, it's remarkably low at just HK$480 and can be waived with only HK$30k spend (HK$2.5k per month). This allows consumers to enjoy competitive rewards and perks without having to pay extra fees. Overall, AEON Card JAL is worth considering for consumers who frequently eat out and do a lot of their shopping at AEON.

How Does AEON Card JAL's Rewards Program Work?

Use our quick guide below to learn how you can redeem your credit card rewards.

  • JMB Miles are automatically credited to the cardholder's JMB Miles Account
  • JMB Miles can be redeemed for flights or upgrades on any JAL or oneworld partner airline
  • JMB Miles can also be redeemed for vouchers with JAL or other gifts
  • JMB Miles are redeemed with no handling or conversion fees
  • JMB Miles cannot be transferred or combined between account holders
  • Upon cancellation of account, all earned JMB miles will expire
  • JMB Miles are valid for 3 years after they're earned

AEON Card JAL's Features and Benefits:

Card Overview
  • Annual Fee: HKD 480, 1-Year waiver, then w/ HK$30k annual spend
  • Income Requirement: HKD 0
Rewards Rate Details
  • 0.125 JMB miles per HK$1 on general local & overseas spend
  • 0.143 JMB miles per HK$1 spend at AEON stores
  • 0.167 JMB miles per HK$1 spend on local dining & transactions in Japan
  • Note: JMB miles are approximately equal in value to Asia Miles
Benefits & Perks
  • AEON Member Price discount on select supermarket, fashion, electronics and home goods (selection changes monthly)
  • 5% Discount at AEON during “Thanksgiving Days” (2nd & 20th of every month)
  • Foreign currency transaction fees waived
  • 1 Free HKIA lounge visit before a JAL flight w/ HK$150k annual spend
  • 10% discount on JAL in-flight purchases
  • 5% discount on duty-free purchases at Narita and Tokyo International Airports
Promotions:
  • Earn 2% cashback on 1st HK$25k spend 1st 2mo, OR:
  • Receive interest-free card instalment plan on first HK$25k spend in 1st 2mo

AEON Card JAL's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

AEON cash advances; AEON cash instalment plan; instalment handling fee transaction; AEON online bill payment; statement balance promotion; finance charges
Gambling payments
  • Refunded, invalid, unposted, unauthorized, cancelled or daily cashing through AEON card will not be entitled to JMB Miles
  • Transactions made in private functions, private room events, private kitchens, dining outlets located in food courts/ supermarkets/ department stores or transactions in associations/ club houses are not considered dining spend

How does AEON Card JAL Compare Against Other Cards?

Read our comparisons of Aeon Card JAL with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

Graph showing some of Hong Kong's best credit cards in terms of value-to-consumer after two years, based on an average monthly spend of HK$12,000
AEON Card JAL v. BEA Flyer World Mastercard
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 0.2 miles/HK$1 everyday spend
  • Read Our Full Review
BEA Flyer World Mastercard is ideal for consumers who spend most of their time in Hong Kong. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government departments, elevated to 0.200 miles on all other purchases. Although AEON Card JAL offers higher rewards on spend with AEON, consumers still earn more miles with BEA Flyer World Mastercard on most transactions.


Although BEA Flyer World Mastercard does have a HK$1.8k annual fee, it's waived for BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders. BEA Flyer World Mastercard doesn't offer the same discounts on AEON and JAL shopping, so consumers loyal to these brands may miss out on potential savings. Nonetheless, BEA Flyer World Mastercard is a better option for people who spend with a variety of merchants and airlines.

AEON Card JAL v. Citi Rewards Card
  • Annual Fee: HKD 1,800
  • Stand-Out: 0.333 mi/HK$1 at popular supermarkets & department stores
  • Read Our Full Review
Citi Rewards Card is ideal for local shoppers who want to rapidly earn miles. Cardholders earn 0.067 mil/HK$1 general spend, boosted to 0.333 miles with select supermarkets, department stores, and telecom providers. Although the list of eligible merchants is limited, it includes popular vendors like AEON, PARKn'SHOP, SOGO, Lane Crawford, China Mobile Service and more.


Despite this variety, Citi Rewards cardholders do not earn elevated miles for dining. As a result, AEON Card JAL–which has one of the highest miles rewards rates for dining on the market–would be a better fit for shoppers who prefer eating out.

AEON Card JAL v. AEON UnionPay Credit Card
  • Annual Fee: Free
  • Stand-Out: Free AEON Membership & exclusive discounts
Frequent AEON shoppers who want a maintenance-free card with exclusive discounts should consider AEON UnionPay Credit Card. Cardholders enjoy the same AEON Member Price and "Thanksgiving Days" discounts as provided with AEON Card Jal, but consumers never have to pay an annual fee. This means that consumers can simply use the card for easy savings at AEON, without worrying about spending enough to recoup a recurring cost. Nonetheless, AEON UnionPay Card's rates are significantly lower, at 0.032 mi/HK$1 general spend and 0.064 mi/HK$1 spend at AEON. As a result, while AEON shoppers looking for a free card offering AEON discounts might prefer AEON UnionPay Credit Card, those interested in a more well-rounded option with higher overall rates might be better off with AEON Card JAL.
AEON Card JAL v. Dah Sing ANA World Mastercard
  • Annual Fee: HKD 1,200 (waiver available)
  • Stand-Out: Top miles for ANA flights w/ bonus for ANA Premium members
  • Read Our Full Review
ANA loyalists who frequently fly business class to Japan may want to consider Dah Sing ANA World Mastercard. Cardholders earn 0.125 mi/HK$1 general spend, elevated to 0.156 miles on ANA flight bookings (further boosted by 5% to 0.164 miles for Premium ANA Mileage Club Members).


In terms of perks, Dah Sing ANA offers similar discounts on in-flight and duty free shopping, the major difference being that each card is affiliated with a different Japanese airline. Ultimately, though Dah Sing ANA World Mastercard offers more miles on ANA flight bookings, AEON Card JAL has higher rates for spend in Japan.

AEON JAL v. BEA Flyer World
  • Annual Fee: HKD 1,800 (waiver available)
  • Stand-Out: 0.2 miles/HK$1 everyday spend
BEA Flyer World Mastercard is ideal for consumers who spend most of their time in Hong Kong. Cardholders earn 0.125 miles per HK$1 spend at supermarkets, department stores, travel agencies & government departments, elevated to 0.200 miles on all other purchases. Although AEON Card JAL offers higher rewards on spend with AEON, consumers still earn more miles with BEA Flyer World Mastercard on most transactions.


Although BEA Flyer World Mastercard does have a HK$1.8k annual fee, it's waived for BEA deposit, Mandatory Provident Fund, consumer or mortgage loan account holders. BEA Flyer World Mastercard doesn't offer the same discounts on AEON and JAL shopping, so consumers loyal to these brands may miss out on potential savings. Nonetheless, BEA Flyer World Mastercard is a better option for people who spend with a variety of merchants and airlines.

AEON Card JAL v. Citi Rewards Card
  • Annual Fee: HKD 1,800
  • Stand-Out: 0.333 mi/HK$1 at popular supermarkets & department stores
Citi Rewards Card is ideal for local shoppers who want to rapidly earn miles. Cardholders earn 0.067 mil/HK$1 general spend, boosted to 0.333 miles with select supermarkets, department stores, and telecom providers. Although the list of eligible merchants is limited, it includes popular vendors like AEON, PARKn'SHOP, SOGO, Lane Crawford, China Mobile Service and more.


Despite this variety, Citi Rewards cardholders do not earn elevated miles for dining. As a result, AEON Card JAL–which has one of the highest miles rewards rates for dining on the market–would be a better fit for shoppers who prefer eating out.

AEON Card JAL v. AEON UnionPay Card
  • Annual Fee: Free
  • Stand-Out: Free AEON Membership & exclusive discounts
Frequent AEON shoppers who want a maintenance-free card with exclusive discounts should consider AEON UnionPay Credit Card. Cardholders enjoy the same AEON Member Price and "Thanksgiving Days" discounts as provided with AEON Card Jal, but consumers never have to pay an annual fee. This means that consumers can simply use the card for easy savings at AEON, without worrying about spending enough to recoup a recurring cost. Nonetheless, AEON UnionPay Card's rates are significantly lower, at 0.032 mi/HK$1 general spend and 0.064 mi/HK$1 spend at AEON. As a result, while AEON shoppers looking for a free card offering AEON discounts might prefer AEON UnionPay Credit Card, those interested in a more well-rounded option with higher overall rates might be better off with AEON Card JAL.
AEON JAL v. Dah Sing ANA World
  • Annual Fee: HKD 1,200 (waiver available)
  • Stand-Out: Top miles for ANA flights w/ bonus for ANA Premium members
ANA loyalists who frequently fly business class to Japan may want to consider Dah Sing ANA World Mastercard. Cardholders earn 0.125 mi/HK$1 general spend, elevated to 0.156 miles on ANA flight bookings (further boosted by 5% to 0.164 miles for Premium ANA Mileage Club Members).


In terms of perks, Dah Sing ANA offers similar discounts on in-flight and duty free shopping, the major difference being that each card is affiliated with a different Japanese airline. Ultimately, though Dah Sing ANA World Mastercard offers more miles on ANA flight bookings, AEON Card JAL has higher rates for spend in Japan.

Jacob Weiss

Jacob is a Junior Research Analyst at ValueChampion, focusing on credit cards and other consumer financial products. Previously, he covered hedge funds and long only products for Cambridge Associates. He holds a B.S. in Finance from the University of Maryland and has passed Level 1 of the CFA exam.