Best AEON Credit Cards in Hong Kong 2021

AEON Credit Service offers consumers several competitive air miles and cashback credit cards with exclusive discounts and promotions at AEON stores in Hong Kong and Japan. Read our review of the best AEON credit cards and compare them with other cards on the market to determine which is best for you.

Best AEON Air Miles Credit Card
Best AEON Cashback Credit Card

Compare Best Credit Cards in Hong Kong by Dollar Value

We analysed the best overall credit cards on the market to estimate returned value-to-consumer after 2 years based on an average monthly spend of HK$12,000 and accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best credit cards compare to one another in terms of their rewards
Best Credit Cards in Hong Kong by Estimated 2-Year Dollar Value
Best AEON Air Miles Card Best AEON Cashback Card

Compare Best Credit Cards in Hong Kong by Dollar Value

Based on an average monthly spend of HK$12,000, we analysed the best overall credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits like free travel insurance and airport lounge access are valuable but difficult to quantify.

A graph displaying how best overall credit cards compare to one another in terms of their rewards
Best Overall Credit Cards in Hong Kong by Estimated 2-Year Dollar Value

What is AEON Credit Service?

AEON Credit Service (Asia) Co., LTD is one of the leading financial service companies in Asia. AEON’s Hong Kong credit cards offer consumers discounts and promotions at AEON stores as well as air miles and cashback rewards. In addition to credit cards, AEON offers personal loans for cars and homes, and a portion of its profits are donated to charities and community projects in China and Hong Kong. AEON cardholders can choose to donate the Bonus Points they earn on their spend to various charitable organizations.

Best AEON Credit Card for Air Miles

Frequent diners looking to earn rapid JMB miles on their spending should definitely consider this air miles card. In addition to miles rewards, cardholders can enjoy discounts and promotions at AEON stores and a boosted miles rate for spending in Japan.

AEON Card JAL: Rapid JMB Miles for AEON Shoppers

  • Free AEON Membership + JMB Miles for spend
  • 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
  • Read Our Full Review
AEON Card JAL is perfect for AEON shoppers who frequently dine out and travel to Japan. Cardholders earn 0.167 JMB miles per HK$1 spend on local dining and transactions made in Japan, 0.143 JMB miles on spend at any AEON store (including at AEON Stores online), and 0.125 JMB miles on other overseas and local purchases.


JMB (Japan Mileage Bank) miles can be redeemed at roughly the same value as Asia Miles for Japan Airlines tickets, seat upgrades or coupons to popular local merchants.

Cardholders can also enjoy AEON Member Price, a seasonal discount on a rotating list of supermarket items, home appliances, fashion goods and more every month. Consumers also receive a 5% discount on all purchases at AEON stores on “Thanksgiving Days”, the 2nd and 20th of every month.

Frequent flyers who prefer earn Asia Miles might be better off with a card like Standard Chartered Asia Miles Mastercard, which also offers elevated rates for overseas spending. However, AEON Card JAL is optimised for Japan Airlines loyalists who spend a significant portion of their budget on dining and in Japan.

  • Minimum income requirement: None
  • Annual fee: HK$480, 1st yr waiver, waived perpetually w/ HK$30k spend/yr
  • 0.167 JMB miles per HK$1 spend on local dining and in Japan, 0.143 JMB miles with AEON, and 0.125 JMB miles on overseas and local spend
  • Note: 1 JMB Mile is worth approximately 1 Asia Mile
  • Foreign currency transaction fees waived
  • AEON Member Price
  • 1 Free lounge visit w/ HK$150k annual spend
  • Stand-Out: Free AEON Membership + JMB Miles for spend
  • 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
  • Read Our Full Review
AEON Card JAL is perfect for AEON shoppers who frequently dine out and travel to Japan. Cardholders earn 0.167 JMB miles per HK$1 spend on local dining and transactions made in Japan, 0.143 JMB miles on spend at any AEON store (including at AEON Stores online), and 0.125 JMB miles on other overseas and local purchases.


JMB (Japan Mileage Bank) miles can be redeemed at roughly the same value as Asia Miles for Japan Airlines tickets, seat upgrades or coupons to popular local merchants.

Cardholders can also enjoy AEON Member Price, a seasonal discount on a rotating list of supermarket items, home appliances, fashion goods and more every month. Consumers also receive a 5% discount on all purchases at AEON stores on “Thanksgiving Days”, the 2nd and 20th of every month.

Frequent flyers who prefer earn Asia Miles might be better off with a card like Standard Chartered Asia Miles Mastercard, which also offers elevated rates for overseas spending. However, AEON Card JAL is optimised for Japan Airlines loyalists who spend a significant portion of their budget on dining and in Japan.

  • Minimum income requirement: None
  • Annual fee: HK$480, 1st yr waiver, waived perpetually w/ HK$30k spend/yr
  • 0.167 JMB miles per HK$1 spend on local dining and in Japan, 0.143 JMB miles with AEON, and 0.125 JMB miles on overseas and local spend
  • Note: 1 JMB Mile is worth approximately 1 Asia Mile
  • Foreign currency transaction fees waived
  • AEON Member Price
  • 1 Free lounge visit w/ HK$150k annual spend

Best AEON Credit Card for Cashback

This AEON credit card offers boosted rewards for spending at AEON stores. While some cashback credit cards offer higher rates for general spend, this AEON credit card is unique in that it offers elevated cashback and exclusive discounts for spending at AEON merchants.

AEON UnionPay Credit Card: No-Fee Discounts for AEON Loyalists

  • Complimentary AEON Membership w/ special monthly deals
  • Promotions: Receive 3% cashback in 1st 2mo on spend (max HK$500), OR:
  • Receive interest-free card instalment plan
  • Receive HK$100 cashback w/ online application
  • Read Our Full Review
AEON UnionPay Credit Card offers shoppers the ability to stack cashback rewards and generous discounts on their purchases at AEON stores. The modest 0.4% cashback rate for general transactions is boosted to 0.8% at AEON, and cardholders are automatically enrolled in the AEON Member Card programme. This programme grants consumers discounts on a variety of items every month.


AEON UnionPay Credit Card cardholders can also enjoy 5% off AEON purchases made on “Thanksgiving Days”, the 2nd and 20th of every month.

While this card is a good choice for consumers who frequently shop at AEON stores, it is not the most competitive cashback card on the market. Cardholders can earn a consistent 1% cashback on general purchases plus a boosted rate of 2% on supermarket spend and a 4% for online spending with HSBC Red Credit Card.

  • Minimum income requirement: None
  • Annual Fee: Free
  • 0.4% cashback on general spend
  • 0.8% cashback on AEON purchases
  • 5% discount at AEON on Thanksgiving Days (2nd & 20th of every mo)
  • Complimentary AEON membership and discounts
  • Waived foreign currency transaction fees & transactions made in mainland China settled in HKD
  • Stand-Out: Complimentary AEON Membership w/ special monthly deals
  • Promotions: Receive 3% cashback in 1st 2mo on spend (max HK$500), OR:
  • Receive interest-free card instalment plan
  • Receive HK$100 cashback w/ online application
AEON UnionPay Credit Card offers shoppers the ability to stack cashback rewards and generous discounts on their purchases at AEON stores. The modest 0.4% cashback rate for general transactions is boosted to 0.8% at AEON, and cardholders are automatically enrolled in the AEON Member Card programme. This programme grants consumers discounts on a variety of items every month.


AEON UnionPay Credit Card cardholders can also enjoy 5% off AEON purchases made on “Thanksgiving Days”, the 2nd and 20th of every month.

While this card is a good choice for consumers who frequently shop at AEON stores, it is not the most competitive cashback card on the market. Cardholders can earn a consistent 1% cashback on general purchases plus a boosted rate of 2% on supermarket spend and a 4% for online spending with HSBC Red Credit Card

  • Minimum income requirement: None
  • Annual Fee: Free
  • 0.4% cashback on general spend
  • 0.8% cashback on AEON purchases
  • 5% discount at AEON on Thanksgiving Days (2nd & 20th of every mo)
  • Complimentary AEON membership and discounts
  • Waived foreign currency transaction fees & transactions made in mainland China settled in HKD
Kevin Schwartz

Kevin is a Junior Research Analyst at ValueChampion specialising in credit cards in Hong Kong. He previously worked for the U.S. Congress as a Legislative Fellow as well as in international education in Beijing. He holds a B.A. in International Studies and Chinese from the College of the Holy Cross and received multiple scholarships for Chinese language studies, including the State Department Critical Language Scholarship.