AEON Gold Card イオンゴールドカード
Free invitation-based gold card · AEON Financial Service · Credit cards
A gold card that is free once issued, adding domestic airport lounges and travel insurance; it is generally an invitation or upgrade product for existing heavy AEON customers.
Highlights
- No annual fee once issued
- Domestic airport lounges and travel insurance
- Free enhancement for heavy AEON customers
Things to consider
- Invitation/upgrade only, not open to all applicants
- Value depends on being an existing AEON user
Fees: No annual fee once issued; typically an invitation or upgrade product.
Points and rewards
This card earns WAON POINT at a published base rate of 0.5% on eligible use, before exclusions and rounding.
- Points programme
- WAON POINT
- Base earning rate
- 0.5%
- What a point is worth
- 1 point=¥1 at eligible stores or after WAON charge
Best for
No-fee gold after qualification
Watch out for
Not generally directly application-accessible
How you earn
- Earning rule
- 1 WAON POINT per ¥200 eligible card spend; generally 2 per ¥200 at eligible AEON Group stores
- Extra earning on this card
- Gold services after qualification
- Programme bonuses
- AEON Group double points, customer appreciation days, card/store-specific campaigns
- Spend that earns
- Eligible card shopping; some utilities/rent can earn
- Spend that earns less, or nothing
- Fees, cash advances and issuer-designated transactions; WAON POINT and electronic-money WAON points are distinct
- Caps, registration and thresholds
- Discount days, cinema and store bonuses have card/store/date limits
- Expiry
- Maximum 2 years based on first award month in each annual cycle
Using your points
- What points can be used for
- WAON POINT stores; electronic-money WAON charge; gift certificates/items; partner points; donations
- Statement credit or cash
- No universal cash statement-credit route
- Shopping and merchants
- AEON/WAON POINT stores, item/gift-certificate exchange
- Airlines and travel
- Some partner/mile exchanges may be available by card/program
- Hotels
- Indirect through partner/catalog options
- Transit and e-money
- Charge to electronic-money WAON
- Partner points and gifts
- Gift certificates, products and selected partner points
- Investing and charity
- Donations and limited partner services
- Highest-value route
- 1-point=¥1 checkout or WAON charge; use before cycle expiry
Programme rules published by aeon.co.jp · Recorded from official material on 2026-08-17.Official program rule + card product page; temporary campaigns excluded unless labeled
Benefits
Standing benefits only — short-term signup campaigns are deliberately excluded.
- Annual fee and waivers
- Free
- Insurance
- Travel/Shopping cover
- Lounges and travel services
- Domestic lounges subject to current terms
- Family cards and ETC
- Family/ETC available
- Networks
- Visa · Mastercard · JCB
- Stated eligibility
- Invitation/qualification required
- Application status
- Invitation or upgrade only
Issuance and the credit limit remain subject to the issuer’s screening.
Network variants
The networks this card is issued on. The issuing company, the annual fee and where the card is accepted can differ by network.
| Network | Annual fee | Note |
|---|---|---|
| Visa | Free | Selectable network stated or represented at family level |
| Mastercard | Free | Selectable network stated or represented at family level |
| JCB | Free | Selectable network stated or represented at family level |
Card facts
- Network
- Depends on the underlying AEON card (Visa/Mastercard/JCB).
- Annual fee
- No annual fee once issued.
- Fee waiver
- Not applicable because the card has no annual fee.
- Rewards
- Earns WAON POINT.
- Base earning
- Around 0.5% before AEON merchant bonuses; exclusions apply.
- Bonus conditions
- Not confirmed in reviewed official material (not the same as “no”)
- Point expiry
- Not confirmed in reviewed official material (not the same as “no”)
- Redemption
- Not confirmed in reviewed official material (not the same as “no”)
- Foreign transaction fee
- Foreign-currency use incurs the issuer-designated overseas processing charge; verify the current percentage before travelling.
- Insurance
- Travel insurance applies under the gold guide with activation, limits and exclusions.
- Purchase protection
- Not confirmed in reviewed official material (not the same as “no”)
- Airport lounge
- Complimentary domestic airport lounges are offered on the gold tier.
- Transit
- Not confirmed in reviewed official material (not the same as “no”)
- Digital wallets
- Not confirmed in reviewed official material (not the same as “no”)
- Family cards
- Family cards are available under the issuer fee and eligibility conditions.
- ETC card
- Not confirmed in reviewed official material (not the same as “no”)
- Stated eligibility
- Generally issued by invitation or upgrade under issuer-controlled criteria; it cannot be treated as immediately available to every applicant.
- Application
- Apply through the issuer channel. The issuer, not this site, decides issuance and the credit limit.
- Payment settings
- One-time, installment, bonus and revolving choices have different availability, fees and conditions; verify the selected setting.
- Revolving payment
- Revolving payment incurs the issuer-disclosed fee. Confirm automatic-revolving enrollment and any later-payment conversion before and after applying.
- Cash advance
- Not confirmed in reviewed official material (not the same as “no”)
- Limitations
- Terms, rates, benefits, insurance and campaigns can change. Verify the dated issuer material before applying; no approval ranking or foreign-resident eligibility claim is made.