Steady income streams help meet your financial needs

By clicking the “Get a Free Consultant now” button, you will be leaving our website to access Chubb Life’s website where their terms of use and privacy policies will apply to you. Please ensure that you understand Chubb Life’s product features and terms before purchasing.

About Chubb Life Yearly Income Plan

Chubb Life Yearly Income Plan empowers you to accelerate your wealth with legacy planning, providing steady stream of income up to Age 100 of the Initial Insured, policy continuation with change of Insured and designated Successor Insured.

Key Features 1: Wealth Growth

  • /html/assets/images/icon/icon-thumbUp.png

    Provides you with 2 secure streams of income: 5% of annual coupon in every policy year /10% of extra annual coupon^

  • /html/assets/images/icon/icon-thumbUp.png

    Leave the Guaranteed Cash Coupon in the policy to accumulate interest#

  • /html/assets/images/icon/icon-thumbUp.png

    Your wealth accumulation is given a further booster for long-term savings with non-guaranteed Terminal Dividend

Key Features 2: Building Legacy

  • /html/assets/images/icon/icon-thumbUp.png

    Coverage up to Age 100 of the Initial Insured with flexible settlement option

  • /html/assets/images/icon/icon-thumbUp.png

    Policy continuation with change of Insured and designated Successor Insured

/html/assets/images/icon/icon-offerCard.png

Offer

Up to 10% First Year Premium Discount for AEON Credit Cardholder

MORE

Applicable to the first year policy of Chubb Life Yearly Income Plan

Promotion period extended to 30 September 2023

Terms and Conditions apply

Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the Insurance Ordinance with effect from 1st January 2018. As a result, all premium payable are subject to levy. For further information, please visit www.ia.org.hk/en/levy.

This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.
The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong.

Important Notes:

^An annual coupon equal to 5% of Notional Amount is payable every Policy Year starting from the 1st Policy Anniversary. An extra coupon equal to 10% of Notional Amount is payable every 10 Policy Years starting from the 10th Policy Anniversary.

#You may leave the Guaranteed Cash Coupon in the policy to accumulate interest at an interest rate which is determined by the Company and subject to change from time to time. Alternatively, you may withdraw them to meet your needs without taking out policy loan or surrendering the Policy.

i. The above insurance plans are underwritten by Chubb Life Insurance Hong Kong Limited   ("Chubb Life"). AEON Credit Service (Asia) Co., Ltd. ("AEON") is an authorised insurance agent of Chubb Life.

ii. Any product information provided by or through AEON is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the insurance policy wording on Chubb Life's website, which shall prevail in case of inconsistency. In the event of any discrepancy between the English and the Chinese versions, the English version shall prevail. 

iii. All matters or disputes in relation to the Chubb Life Insurance Hong Kong Limited 's products, the promotional offers and the interpretation of the respective terms and conditions shall be subject to the decision of Chubb Life Insurance Hong Kong Limited , which shall be final and binding.

 

Terms and Conditions on “Up to 10% First Year Premium Discount Offer for AEON Credit Cardholder”:

  1. The promotion period is from 5 May 2023 to 30 September 2023 (both days inclusive) ("Promotion Period")
  2. Within Promotion Period, successful applicants of Chubb Life Yearly Income Plan of Chubb Life Insurance Hong Kong Limited ("Chubb Life") with policy issued by Chubb Life on or before 31 October 2023 ("Eligible Policy"), who have submitted contact information on Chubb Life's designated website accessed through the website of AEON Credit Service (Asia) Co., Ltd. ("AEON"); received a quotation for Chubb Life Yearly Income Plan; and make the payment by AEON Credit Card are entitled to below first-year premium discount offer ("Eligible Customer"):

    Chubb Life Yearly Income Plan

    Total annualised premium for the first policy year (US$) Premium Payment Term
    5-year 8-year 12-year
    3,500 or above 10% 10% 10%
  3. The first-year premium discount offer is only applicable to the application(s) of Chubb Life Yearly Income Plan (“Chubb Life Yearly”) and its rider(s) (if any) signed and submitted to Chubb Life between 5 May 2023 and 30 September 2023 (both dates inclusive) (“Promotion Period”), and the policy(ies) of the successful application(s) must be issued on or before 31 October 2023 (“Eligible Policy(ies)”). The first-year premium discount offer is applicable to all premium payment modes (i.e. monthly/ quarterly/ semi-annual/ annual) of the Eligible Policy(ies). The first-year premium discount offer will be applied on each premium payment for the first policy year according to the premium payment mode of the Eligible Policy(ies). 
  4. For the avoidance of doubt, the first-year premium discount offer will be applied to the actual amount of premium paid for the basic plan and riders (if any) of the Eligible Policy(ies), including the additional premium (if any) due to underwriting, as determined at the issuance of the Eligible Policy(ies), and excluding levy (if any).
  5. When the above first-year premium discount is credited, the total annualized premium payable for the Chubb Life Yearly policy must be not less than the required amount as shown in the above table and the Chubb Life Yearly policy must remain in force. The total annualised premium refers to the annualised premium payable for the first policy year under the basic plan and rider(s) (if any) of Chubb Life Yearly and calculated based on the current amount of premium payable when the premium discount is credited.
  6. For the avoidance of doubt, all the above premium discount will be applied to the actual amount of premium paid for the basic plan and riders (if any) of an eligible Chubb Life Yearly policy only.
  7. The eligible Chubb Life Yearly policy may specify a monthly / quarterly / semi-annual / annual premium payment mode. For details on the benefits and the full terms and conditions of Chubb Life Yearly and applicable rider(s) (if any), please refer to the respective product brochure(s) and policy document(s).
  8. The amount of any of the above premium discount is non-transferable and cannot be redeemed for cash. If the Chubb Life Yearly policy is cancelled during the cooling-off period, the policyowner will receive the actual amount of pemium paid only.
  9. The first-year premium discount is not eligible to policyowner(s) who has previously cancelled their Chubb Life Yearly policy during cooling-off period.
  10. The premium discount offers above cannot be used in conjunction with any other promotion(s) offered by Chubb Life, unless otherwise expressly agreed by Chubb Life in writing.
  11. Chubb Life reserves the right to change any terms and conditions herein without issuing further notices.  In the event of any disputes, Chubb Life shall have the absolute discretion to make the final decision. For the avoidance of doubt, the premium discount applicable to an Eligible Policy(ies) issued prior to such change of the first-year premium discount offer(s) will remain unaffected.
  12. Chubb Life reserves the right to request Eligible Customer for relevant supporting documents for verification purpose. 
  13. The decision of Chubb Life on all matters and disputes relating to the above premium discount offers shall be final and conclusive.
  14. These terms and conditions are governed by and shall be construed in accordance with the laws of Hong Kong SAR. The policyowner and Chubb Life shall irrevocably submit to the exclusive jurisdiction of the courts of Hong Kong in relation to any matter, claim, or dispute arising out of or in connection with these terms and conditions.
  15. No person other than Chubb Life and the applicant/policyowner of the Eligible Policy(ies) will have any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce any of these terms and conditions.

 

Chubb Life Yearly Income Plan

By clicking the “Get a Free Consultant now” button, you will be leaving our website to access Chubb Life’s website where their terms of use and privacy policies will apply to you. Please ensure that you understand Chubb Life’s product features and terms before purchasing.

Leave us a message

The information you provided will be kept strictly confidential to protect you interests. For personal information or personal account enquiries, please contact our customer service hotline at 2895 6262. We will process your request or suggestion at the earliest possible time.
Thank you!
We have received your message and will process your request or suggestion at the earliest possible time.

AEON Branch

FAQ

AEON Branches locations?

Customer can click here to visit AEON Branches locations.

What kinds of payment methods are available?

Repayment can be made through PPS, bank autopay, HSBC payment service, JET payment and cash payment at convenience stores. For details, please click here.

How to operate the hotline system?

Customer can click here to visit AEON hotline system.

How to contact AEON merchant team for business opportunity?

Our merchant team can be reached at 2239-9407 or click here to contact us through email.

What channels are available for AEON Cash Advance application?

AEON Cardmember is able to perform Cash Advance service through “AEON HK” Mobile App, AEON Netmember service, AEON Customer Services Hotline at 2895 6262, or non-AEON ATM network.

What channels are available for set or change of Personal Identification Number (PIN)?

AEON cardholder is able to set or change PIN through “AEON HK” Mobile App*, click here for detail.

* Mastercard with card expiry date earlier than 09/2025 can only request for reissue PIN.
What channels are available for Cash Advance balance check?

AEON cardmember is able to check Cash Advance balance through “AEON HK” Mobile App, AEON Netmember service, contact AEON Customer Services Hotline at 2895 6262, or by non-AEON ATM network.

What types of loan are offered from AEON?

AEON provides AEON Personal Loan; Tax Loan and Home owner Loan. Click here for detail.

How to apply for AEON loan?

Customer can call the application hotline on 2895-6262 or visit any AEON branch nearby.
To apply online, please click here.

Approval process of loan application?

Step 1: Receive application
Step 2: Review information provided
Step 3: Consider the credit report
Step 4: Loan confirmation
Step 5: Loan amount can be released in cash at AEON Branch or requested to transfer to designated bank account.

What is extension charge?

If the loan draw down date falls into the 11th to the last date of the month, an extension charge will be charged on the loan amount calculated on a daily basis from the date of the loan draw down to the sales cut-off date (currently on the 10th of the month).

What is TransUnion Limited?

Please refer to www.transunion.hk

How to check the result of application?

Customer can call the application hotline on 2895-6262 or visit any AEON branch nearby.

How to apply for AEON Credit Card?

Customer can call the application hotline on 2895-6262 or visit any AEON branch nearby.
To apply online, please click here.

Approval process of credit card application?

Step 1: Receive application
Step 2: Review information provided
Step 3:Consider the credit report
Step 4: Card Approval
Step 5: Card will be mailed to Customer's home address or can be picked up at AEON Branch

How to obtain a copy of cardholder agreement?

Customer can call the customer service hotline on 2895-6262 or visit any AEON branch nearby or click here.

How to obtain a copy of credit card fee schedule?

Customer can call the customer service hotline on 2895-6262 or visit any AEON branch nearby or click here.

What is credit card instalment plan?

At designated merchants, AEON Card member can make use of credit card instalment to pay for goods or services.  The repayment amount will be charged to the card account every month, up to 24 months.

How to obtain a copy of card instalment plan terms and conditions?

Customer can call the customer service hotline on 2895-6262 or visit any AEON branch nearby or click here.

How to draw cash from credit card account?

Card member can draw cash from the card account through AEON Branch, ATM network, by phone or through website. For details, please click here.

Where to check discount merchants offers?

Customer can click here to visit AEON discount merchants offers.

What is One-time Password (OTP)?

OTP Service is a security feature provided by AEON. When you make an online transaction with your AEON Visa cardAEON Mastercard or AEON JCB card at a participating 3D Secure online merchant, you will receive a 6 digits OTP through an SMS to your registered mobile number. Simply enter the OTP to authenticate your transaction.

How to register the OTP Service?

No registration is required for OTP Service. And there is no service charge for this service. The OTP SMS will be sent to your mobile number.
Please ensure your registered mobile number with us is valid and updated.

Why do I need an OTP Service? What are the benefits of OTP?

OTP Service provides an extra security protection against online fraud. When you make an online transaction with your AEON Card at a participating 3D Secure online merchant, an OTP is required for the transaction authentication. With the implementation of this password authentication, should your credit card information be pilfered for any reason, they will not be able to use your credit card for the online transactions without the OTP sent to your registered mobile phone.

Do all online transactions require an OTP?

No. OTP is only required for online merchants that support the 3D Secure authentication protocol.

Does an OTP expire? What happen if I enter the wrong OTP 3 times in a row?

The OTP expires in 3 minutes after it is issued. If cardholder is unable to enter the OTP to complete your online transaction before the OTP expires, you can click "Resend OTP" button on the transaction webpage in order to receive another valid OTP on your registered mobile number. You can re-submit the new OTP to complete the transaction.
Please note that the "Resend OTP" function can only be used 3 times for each transaction. If cardholder uses the "Resend OTP" function for 3 times in a row without entering the correct OTP, you will be unable to complete the transaction. You will have to contact our Customer Service Hotline 2895-6262 to activate the service.
If you are unable to complete the transaction with a valid OTP, the transaction will be declined.

Can I receive an OTP when I am overseas?

If cardholder is overseas and using overseas mobile service providers, the service provider may not support receipt of international SMS. Please bereminded to turn on your mobile phone and activate your roaming service to ensure you can receive the OTP SMS to complete the online transaction when you travel to overseas. Please consult your telecommunication service provider for details.

If my registered mobile number is not a Hong Kong mobile number, will I receive the OTP?

No, the service is only available for Hong Kong mobile number, to use this service cardholder would have to update your registered mobile with a Hong Kong mobile number.

How do I update my mobile number if I did not provide a valid mobile number?

If cardholder does not have a valid mobile number in our record, you would not be able to make successfully transactions. We suggest you to update your mobile number with us immediately through "AEON HK" mobile app or visit our branch  [Click Here] .

What is "AEON Netmember Service"?

Through "AEON Netmember Service", customer can review credit card e-statements, loan or hire purchase account payment advice. Our bill payment service allows customer to pay for over 400 organizations' bills. Moreover, customer can redeem gifts and cash coupons with Bonus Points, apply credit card or loan through the AEON Netmember Service. Stay tuned, more online services will be coming soon.

How do I apply for "AEON Netmember Service"?

All AEON customer can register for the online service through AEON Netmember Website or "AEON HK" Mobile App. 

  1. Fill in the required personal information
  2. Receive and input one-time password to verify the registered mobile number and email address (if any)
  3. Create username and password

Can I register for more than one "AEON Netmember Service" user account?

Each customer can register only once and have only one "AEON Netmember Service" user account. Once you logon to the account, you can view all the eligible accounts under your name with AEON.

Is there any fee for the registration and usage of "AEON Netmember Service"?

AEON Netmember Service is free of charge.

What should I do if I forget my username or password?

If customer forget your username or password, please click "Forget Username/Password" in the login page. You have to provide your personal details for verification. If the provided information matches with our record, we will send your username with a one-time password by SMS. After verification, you can reset a new password.
If you have not received the one time password by SMS, please call our Customer Service Hotline at 2895-6262.

What is “AEON HK” Mobile App (“Mobile App”)?

“AEON HK” Mobile App is a digital platform through which, customer can conveniently and safely access their accounts and check transaction history with just a few clicks. For more details on Mobile App features, please click here.

Is there any fee to use the Mobile App?

AEON will not charge for download and use of the Mobile App. However, customer may be responsible for any mobile data usage fee while accessing our Mobile App service. For details, please refer to your mobile network provider.

How can I download the Mobile App?

To download the Mobile App, customer can simply go to App Store or Google Play Store and search for "AEON HK".

How can I logon to the Mobile App?

For customers who has registered for "AEON Netmember Service": Login "AEON HK" Mobile App by entering username and password, or login with the enabled biometric authentication.
For customer who has not signed up for "AEON Netmember Service", please click here or register via "AEON HK" Mobile App.

What mobile phones can support the Mobile App?

The Mobile App is compatible with the following mobile phones:
• iPhone with iOS 13 or above
• Android phones with version 10.0 or above
Please be noted that tablet models and some specific mobile phones may not support the Mobile App.

Can I logon “AEON Netmember Service” and “AEON HK” Mobile App with a "Virtual Private Network", as known as VPN?

No.

Why am I requested to change my login password after the update?

To enhance the protection of our customers, existing customers must set a new password when logging in for the first time to meet the security requirements of the new service platform.

How to apply for Octopus Automatic Add-Value Service?

Application form can be obtained from AEON Branch or downloaded from AEON website. For details, please click here.

Which types of Octopus can be linked with the Automatic Add Value Service (AAVS)?

AAVS can be linked with all types of Octopus.

How can I apply for AAVS?

To apply for AAVS, you must be aged 18 or above and have a credit card issued by AEON Credit Service (Asia) Co., Ltd ("AEON"). Each Octopus Holder can have maximum 3 AAVS linked with 3 different financial institutions' credit card. Each Octopus Holder can apply maximum 3 AAVS for his/her family members or friends. Each Octopus Holder can have maximum 6 AAVS accounts (3 for Octopus Holder + 3 for family members or friends).

Can I apply for AAVS for more than one Octopus?

You can apply for AAVS for up to three Octopus through three different financial institutions.

I have already applied for AAVS. Why can't my existing Octopus be used for auto reload?

There are two possible causes:

i. The application has not yet been approved by AEON.
Note: AEON will issue a notification letter with instructions for activation of the AAVS upon approval of your AAVS application.

ii. AAVS for the Octopus is not yet activated.
Note: After you have received the notification letter, you should bring the letter and the Octopus to any MTR Customer Service Centre to activate AAVS on your Octopus. If you have an Octopus PC Reader, you can activate the service through Octopus PC Reader Service at our website.

Why has my AAVS application been rejected?

There can be several reasons:

i. You may already have an existing Octopus linked with AAVS through AEON.
Note: You may apply for AAVS for up to three Octopus through three different financial institutions.

ii. If apply for AAVS for family members, friends or relatives, AEON may require that the primary credit cardholder also holds an AAVS account at AEON.

iii. The application form is not properly filled out, or by other reasons that the application cannot be processed. If you have any enquiry, please contact AEON Customer Service Hotline on 2895 6262 or Octopus Customer Service Hotline on 2266 2222.

Can I apply for AAVS for several Octopus using the same credit card account or different credit card accounts at the same financial institution?

For yourself, you can apply for AAVS for up to a maximum of three Octopus through three different financial institutions. You can also apply for AAVS for up to three family members, friends or relatives aged 12 or above.

How can I cancel the AAVS?

Cancellation can be made by calling the Octopus Customer Service Hotline on 2266 2222. Upon receipt of your cancellation request, we will send an authorization letter for de-activating the AAVS function on your Octopus. Please bring the letter and the Octopus to any MTR Customer Service Centre within 7 calendar days to deactivate the AAVS function on your Octopus. You may continue to use the Octopus in the normal way after cancellation.

Note: Cancellation of AAVS must be made by the Octopus user, and not the credit card holder

How to redeem the gifts offered by AEON Bonus Point Program?

Redemption form can be obtained from AEON Branch or click here this link to redeem online.

How to earn bonus point?

Unless otherwise specified in the card application form, cardholders can earn one bonus point for every HK$1 spent on credit purchase.

What kind of transaction does not earn bonus point?

Cash advance, fees and charges (including finance charge, annual fee, late charge and any other charge), tax payment, casino chips and cancelled or refunded transactions will not be entitled to any bonus point.

Under what circumstance will bonus point be deducted? Why does bonus point become negative in my monthly statement?

Under normal circumstance, bonus points will be deducted for redemption. If there is any cancelled or refunded transaction in your card account after deducting the relevant bonus point,AEON will make adjustment on bonus points earned from the transaction. If the bonus point in your card account is less than the adjustment, there is a chance to show negative bonus point.

Example : You have 20,000 bonus points in your credit card account. After making credit purchase of HK$7,000 in a shop, the bonus point balance will become 27,000. If you redeem a piece of AEON HK$100 gift voucher bonus point will be reduced to 2,000 (require 25,000 AEON Bonus Points to redeem one gift voucher). If due to product detects, the merchant agree to cancel the transaction and refund HK$7,000 to your credit card account. Then AEON will deduct 7,000 bonus points from your credit card account. Because the current bonus point balance is 2,000, it will become -5,000 after the adjustment. If there is no new transactions exceeds HK$5,000, the bonus point balance will be shown negative in the statement of that month.

What should I do when bonus point balance is negative?

The new bonus points you earn will be used to offset the negative bonus points until the balance becomes positive in your card account.

Example : If the current bonus point balance is -5,000. And you earn 4,000 new bonus points by purchase spending HK$4,000 in a shop. These earned bonus points will be used to offset -5,000 bonus points. Thus, the bonus points balance will become -1,000 in the statement. The bonus point balance will become positive if you earn more than 1,000 bonus points.

Are all AEON Credit Cards eligible for redemption?

Cardholders of AEON Card JAL and AEON CARD WAKUWAKU are not eligible for the bonus point redemption program.

Is AEON supplementary cardholder eligible for redemption?

No, only AEON principal cardholder is eligible for redemption of supplementary card’s bonus points.

How to redeem?

1. Online – Select the item(s) you wish to redeem from our online catalogue at AEON net member bonus point page.
2. AEON mobile app – To register or logon to AEON Netmember through mobile app. Download "AEON HK" mobile app, please click here.
3. By mail – Complete the redemption form and mail to: 20th Floor, Mira Place Tower A, 132 Nathan Road, Tsim Sha Tsui, Kowloon, Hong Kong (Please specify "AEON Bonus Point Program")

How to check bonus point?

Accrued bonus points and their expiry date will be shown on the cardholder’s monthly statement. For your convenience, you can also view your bonus points any time through AEON Netmember Service.

How much is the Paper Statement Fee and when will it be charged?

Effective from statement of Jun 2021, Monthly Paper Statement Fee of HK$10 per statement will be debited in next month statement.

How can I avoid the Paper Statement Fee?

Customer can avoid the Paper Statement Fee simply by enrolling in the e-Statement service. You will be able to view, download and print out past statements via AEON Netmember and "AEON HK" Mobile App at anytime, anywhere.

Who will be eligible for the Paper Statement Fee waiver?

The charge will be waived for the Cardholders who will be aged 65 or above in a calendar year.
Example:
I was born on January 1, 1956 and will become 65 on January 1, 2021. Will I be charged the Paper Statement Fee if I have received paper statement in year 2021
No. Exemption is applicable to customers who reached 65 or above during the calendar year. Since you will be aged 65 in 2021, the fee will be waived.

How can I register for e-Statement service?

For New customer / Non-AEON Netmember
1. DOWNLOAD “AEON HK” Mobile App and check “e-Statement” after successful registration.
OR
2. Visit AEON Website and click “LOGON” in the top right corner and register AEON Netmember service in the New User Registration.

*Customer who have registered for AEON Netmemeber service, e-Statement Service will be subscribed automatically

For existing AEON Netmember customers and receive Paper Statement
1. LOGON AEON Netmember Service1
2. Choose “e-Statement”
3. Click “Statement Setting”
4. Select “e-statement”23

Remark:
1. Change statement option is only available on AEON Netmember, and not available in "AEON HK" Mobile App
2. If the statement setting is updated by 10th of the month, the new setting will be reflected in the current month’s statement.
3. Only principal cardholders can control the e-Statement settings for his/her supplementary card (limited to registered AEON Netmembers only).

If I update the statement setting, how long will it take?

If the statement setting is updated by 10th of the month, the new setting will be reflected in the current month’s statement.

If I have more than one AEON Credit Card, whether need to change for e-Statement service by each card?

Yes. As Principal Cardholder and Supplementary Cardholder will be supplied with separate monthly statements, Principal Cardholder required to change the statement option separately in each card.。
You will be charged for the fee if any paper statements are generated for Supplementary Cardholder during the period. Only principal cardholders can control the e-Statement settings for his/her supplementary card (limited to registered AEON Netmembers only).

How can I pay bills online?

You can choose the relevant payee from the merchant list and submit the payment.

What if I don't know the merchant code?

No merchant code is required upon making your payment. Simply select the merchant name(s) from the merchant list and input the bill account number(s).

What is the cut-off time for the bill payment service?

The cut-off time is 3:00 p.m. Any payment instruction received after 3:00 p.m. from Monday-Friday or Saturdays, Sundays and public holidays will be executed on the next business day.

Will I earn any AEON Bonus Point for transactions of the AEON Bill Payment Service? If so, how shall the bonus point be calculated?

Except tax payment transaction which will not be entitled to any AEON Bonus Points, AEON Credit Cardholders can earn AEON Bonus Points for transactions of the AEON Bill Payment Service.

Apart from special promotion or otherwise specified, every HK$1 spent in AEON Bill Payment can only earn AEON Bonus Point with AEON Credit Card. A maximum of 10,000 Bonus Points per month will be awarded.

Can I pay my AEON accounts using Bill Payment Service?

No, you cannot use Bill Payment Service to pay AEON accounts.

Which merchant categories will I have to pay 2% service fee?

2% service fee is applied to the following 2 categories:
- Credit Services
- Securities Broker

Are there any merchant(s) / category(ies) excluded from Bill Payment Service?

The below are excluded from this Service:
- Banking and Credit Card Service
- The Hong Kong Jockey Club
- Bill Type 03 of Inland Revenue Department

What is Real Time Payment?

Real Time Payment is a payment instruction that will be executed immediately upon your confirmation.

What are Scheduled Payment / Recurring Payment?

Scheduled Payment / Recurring Payment are payment instructions that will be executed on the specified date(s).

Can I make any amendments to the Scheduled Payment instructions?

You can amend your Scheduled Payment instructions in "Manage Scheduled / Recurring Payments" and the amendment must be done before 3:00 p.m. on the business day before the payment date.

What happens if I have set up a Scheduled or Recurring Payment instruction, but on the payment date I don't have enough credit limit in my credit card account to cover the transfer?

In that case, the payment instruction will not be executed. However, if your remaining credit limit is insufficient to make payment to the merchants in the "Public Utility" category, we may temporarily increase your credit limit up to a certain amount as determined by us at our absolute discretion in which case we will charge a handling fee of HK$100 which will be debited to your credit card account.

If I delete the pre-selected payee / merchant from the Scheduled / Recurring Payment instruction, will the relevant payment instruction still be processed?

In that case, the payment instruction will not be executed. We strongly recommend you to delete the payee/merchant if necessary after the payment instruction is successfully processed.

How do I know if a payment instruction has been successfully executed on the due date?

On the next business day after the payment date, you may login AEON Netmember anytime after 10 a.m. to check the transaction status in "Transaction Record" in "Bill Payment Service". Apart from checking online, you will be notified by email when your payment instruction has been executed.

Are there any restrictions on setting up Scheduled Payment or Recurring Payment instruction?

For Scheduled Payment, only one scheduled payment can be made for each registered bill. Also, scheduled date must be within 1 month.

For Recurring Payment, only one recurring payment can be made for each registered bill. The recurring payment term shall start from the 2nd month to the 12th month.

What is Mobile Security Key?

Mobile Security Key is a 6-digit PIN enabling customers to access online services:

Securely - Provides an extra layer of security by two-factor authentication

Instantly - Generates Security Token for access instantly

Conveniently - Generates Security Token regardless of mobile network

After the setup of Mobile Security Key, you can login and authenticate designated mobile transactions which require additional authentication for a higher level of security by using Mobile Security Key on "AEON HK" Mobile App.

You can also generate Security Token on your mobile to authendicate the login and designated online transactions on AEON Netmember Website.

For details, please click here.

What is Security Token?

After the setup of Mobile Security Key, customer can generate one-time Security Token on "AEON HK" Mobile App to login and authenticate access on AEON Netmember Website. There are 2 types of tokens:

Login Token - Login AEON Netmember Website

Transaction Token - Authenticate transactions on AEON Netmember Website

For details, please click here.

What is Security Token?

Yes. Generating Mobile Secure Key does not require mobile network.

What is AEON UnionPay QR Cash (UnionPay QR Cash)?

AEON UnionPay QR Cash ( UnionPay QR Cash) is a cardless ATM cash withdrawal service that allows customer to enter your cash withdrawal instructions in just a few steps on the "AEON HK" Mobile App. You can then login the "AEON HK" Mobile App, scan the QR code generated on any local ATM that supports UnionPay QR Code Withdrawal service, and then input the card PIN to complete the cash withdrawal.

You can also get cash from any ATM in Hong Kong and mainland China that supports UnionPay QR Code Withdrawal service. The use of UnionPay QR Cash is subject to relevant terms and conditions.

How to register UnionPay QR Cash via "AEON HK" Mobile App?
  1. Login your account and tap UnionPay QR Cash on AEON Unionpay Credit Card in the menu
  2. Read the “Terms and Conditions” and click “Next”
  3. Enter the 6-digit Mobile Security Key or use Biometric Authentication and click “Confirm”
  4. UnionPay QR Cash is registered successfully

Remark: To ensure your account security, "AEON HK" Mobile App will require you to be authenticated on with either your Mobile Security Key or biometric authentication when setting up UnionPay QR Cash and making UnionPay QR Pay. If you wish to use and have not set up your Mobile Security Key, please visit: https://www.aeon.com.hk/en/digital-services/msk.html

How to setup UnionPay QR Cash and withdraw cash via "AEON HK" Mobile App?
  1. Login your account, select AEON UnionPay Credit Card and tap UnionPay QR Cash in the menu
  2. Select Currency and enter withdrawal amount, read the “Terms and Conditions” and click “Next”
  3. Enter the 6-digit Mobile Security Key or use Biometric Authentication and click “Confirm”
  4. Instruction has been submitted
  5. Click “Withdraw Now”/ “Withdraw Later” (Note: Pending withdrawal instruction is valid within 30 minutes)
  6. Scan the QR Code on ATM within the frame to withdraw cash
  7. Follow the instruction shown on ATM and enter credit card PIN
  8. Upon completing successful withdrawal, the last 4 digits of your AEON credit card is also shown on the transaction receipt screen.
Can I amend a cash withdrawal instruction?

You can update a cash withdrawal instruction using “Edit” or “Delete” function.

Which ATMs support UnionPay QR Cash?

You can withdraw cash with UnionPay QR Cash at all supported ATMs in Hong Kong (choose “UnionPay QRC Withdrawal” at ATM).

What currencies can I withdraw with UnionPay QR Cash?

You can currently withdraw in HKD, CNY and MOP with UnionPay QR Cash.

Are there any fees for using UnionPay QR Cash?

Any cash withdrawal from all AEON UnionPay Credit Card at all supported ATMs will be treated as a cash advance transaction, please refer to the “Fee Schedule and Key Facts Statement” for the handling fee to be charged.

Who is eligible to get access to UnionPay QR Cash in "AEON HK" Mobile App?

You have to be a holder of the AEON UnionPay Credit Card or AEON Card Premium UnionPay with a valid mobile number and email address on record in the AEON system. You also need to activate Mobile Security Key or use Biometric Authentication in "AEON HK" Mobile App on the same device you wish to make UnionPay QR Cash with.

What is AEON UnionPay QR Pay (UnionPay QR Pay)?

AEON UnionPay QR Pay (UnionPay QR Pay) is a contactless payment method that allows customers to make instant and contactless payments with AEON Card by presenting or scanning QR code via "AEON HK" Mobile App using the UnionPay QR Pay services.

How to register UnionPay QR Pay via "AEON HK" Mobile App?
  1. Login your account and tap UnionPay QR Pay on AEON Unionpay Credit Card in the menu
  2. Read the “Terms and Conditions” and click “Next”
  3. Enter the 6-digit Mobile Security Key or use Biometric Authentication and click “Confirm”
  4. UnionPay QR Pay is registered successfully

Remark: To ensure your account security, "AEON HK" Mobile App will require you to be authenticated on with either your Mobile Security Key or biometric authentication when setting up UnionPay QR Cash and making UnionPay QR Pay. If you wish to use and have not set up your Mobile Security Key, please visit: https://www.aeon.com.hk/en/digital-services/msk.html

How long does the UnionPay QR Pay activation take to process and how do I know if it was successful?

Registration is almost instant. You will be notified by SMS and email when UnionPay QR Pay activation has successfully completed.

How to make payment with UnionPay QR Pay?
  1. Login "AEON HK" Mobile App
  2. Select any AEON UnionPay Credit Card and tap UnionPay QR Pay in the menu
  3. Press “My QR Code” to bring up your personal QR code, which you can present to the merchants so they can scan it for payment; Or select “Scan” to make a payment by scanning a QR code displayed by a merchant that supports UnionPay QR Pay
  4. Upon completing successful payment, the transaction details will be shown on the transaction receipt screen
What are the differences between “My QR Code” and “Scan” of UnionPay QR Pay functions?

The “My QR Code” of UnionPay QR Pay brings up your personal QR code, which you can present to the merchants so they can scan it for payment.

The “Scan” of UnionPay QR Pay allows you to make a payment by scanning a QR code displayed by a merchant that supports UnionPay QR Pay.

Either method can only be used at merchants accepting UnionPay QR code and cannot be used with other types of QR code payment.

Does the QR code displayed in “My QR Code” of UnionPay QR Pay work with non-UnionPay QR code scanners?

No, it works with UnionPay QR code scanners only.

What are the differences between payment location of “HK / Others” and “Mainland China”?

If you want to make QR code payments at merchants accepting UnionPay QR code payments in mainland China, you can switch the payment location to “Mainland China” under "My QR Code" tab in "AEON HK" Mobile App. For payments in Hong Kong and other parts of the world, you can choose “HK / Others”.

Can I use UnionPay QR Pay outside of Hong Kong?

You can make UnionPay QR Pay anywhere in the world as long as the merchant accepts UnionPay QR code payment.

Who is eligible to get access to UnionPay QR Pay in "AEON HK" Mobile App?

You have to be a holder of the AEON UnionPay Credit Card or AEON Card Premium UnionPay with a valid mobile number and email address on record in the AEON system. You also need to activate Mobile Security Key in "AEON HK" Mobile app on the same device you wish to make UnionPay QR Pay with.

Do I use the same QR code for every transaction?

No. Your QR code refreshes automatically at 1-minutes intervals. You also have the option to refresh the QR code manually yourself, should you wish to. After using the QR code for a transaction, you will not be able to use it again.

When do I need to manually input the transaction amount?

If you make a payment by scanning merchant's UnionPay QR code, you need to check with merchant about the payment amount and manually input it. If the payment amount includes dollars and cents, then you will need to manually input the missing amount in cents. Please ensure you review the merchant name, amount, and currency before you confirm the payment.

How do I confirm which credit card is being used when making the UnionPay QR Pay?

If you make a payment by presenting your QR code, the card face and the last 4 digits of your credit card are shown over your payment code.

If you make a payment by scanning a merchant's QR code, the last 4 digits of your credit card is shown on the payment review screen.

Moreover, upon completing successful payment, the last 4 digits of your credit card is also shown on the transaction receipt screen.

When I make a transaction of UnionPay QR Pay, will I know if the transaction was successful?

You will know immediately if the payment is successful or not in "AEON HK" Mobile App. An on screen message will be displayed if the transaction is not successful. When the payment is successful you will see a transaction receipt.

Where can I check my UnionPay QR Pay transaction history?

You can check the transaction history anytime on "AEON HK" Mobile App. You can go to “Account Overview”, select the credit card used to make the UnionPay QR Pay with, and then tap on “Transaction History” to view successfully completed transactions. You can also view the transaction in the AEON Netmember Website and on your credit card statement, both e-statement and paper statement. Or you can also screenshot the transaction receipt screen for your record.

Is it possible to refund a payment made by UnionPay QR Pay?

Yes. You may request for refund if the merchant supports refunding the transaction.

If I do not have internet connection, can I pay an offline UnionPay QR Pay?

No, you must have internet connection in order to make UnionPay QR Pay.

If I have registered UnionPay QR Pay in "AEON HK" Mobile App, and lost my AEON UnionPay Card, what shall I do?

You can report a lost calling our customer service hotline:

AEON Customer Service Hotline: (852) 2895 6262

Your lost AEON UnionPay Credit Card would not be eligible to make any UnionPay QR Pay in "AEON HK" Mobile App upon reporting.

Will I still earn bonus point from credit card transactions paid with UnionPay QR Pay ?

Yes.

Can UnionPay QR Pay support UnionPay Transit code?

No, you can bind your AEON UnionPay Credit Card on UnionPay App and use the Transit code service to pay public transportation fare. For details, please visit: https://www.aeon.com.hk/en/credit-card/upi-app-user-guide.html

What is Apple Pay?

Apple Pay is one of the Mobile Payments solutions available to AEON Cards. It provides a simple and secure way to pay using your compatible Apple devices.

Which devices support Apple Pay?

Apple Pay works with most iPhone, Apple Watch, iPad and Mac devices. For the latest list, please refer to https://support.apple.com/en-hk/HT208531

Which AEON Cards are eligible for Apple Pay?

All AEON Mastercard Credit Cards and VISA Credit Cards issued by AEON Credit Service (Asia) Co. Ltd. are eligible for Apple Pay.

How can I add my AEON Cards to Apple Pay?

Setting on "AEON HK" Mobile App,
1. Logon to “AEON HK” Mobile App, go to “Home” page and select the credit card you would like to add to Apple Pay
2. In “Card Settings” , tap “Add to Apple Wallet”
3. You will receive a SMS notification from AEON upon successful added the credit card to Apple Wallet
4. Your AEON Card will be ready to use with Apple Pay upon successful approval

 

Setting on "Wallet" app,
1. Open the Wallet app
2. Tap the “+” sign and follow the onscreen instructions, Cards can be added by scanning your card with Apple Pay or inputting the card information manually.
3. You will receive a SMS notification from AEON upon successful added Card to Apple Wallet on Apple Wallet app.
4. To activate your card on the wallet, you are required to logon "AEON HK" Mobile App and complete activation request
5. Your AEON card will be ready to use with Apple Pay upon successful approval.

 

For more details, please refer to https://www.apple.com/hk/en/apple-pay/



How to complete Activation Request in "AEON HK" Mobile App?

1. Logon "AEON HK" Mobile App
2. Click "Add Card to Mobile Wallet"
3. Select and approve AEON Card to add to Mobile Wallet device
4. Your AEON Card is added to Mobile Wallet successfully and ready to use with Apple Pay

When I am adding my card, I have been prompted for a verification code via SMS. What is this and why is it required?

For security purposes, AEON may ask you to enter a verification code to confirm your identity. If prompted, please follow the onscreen instructions to receive and enter the verification code. If you fail to enter the verification code, or the verification code has expired, please contact AEON Customer Service Hotline at 2895 6262.

How to set my AEON Card as the default card in Apple Pay?

Go to Wallet app, tap your AEON Card and drag it to the front of your cards.

Can I add the same AEON Card with more than one device using Apple Pay?

Yes, you may enroll your AEON Card for up to 10 devices.

How do I remove my AEON Cards from Apple Pay?

You can remove your AEON Cards by selecting the card in the Wallet app, click “...”button in the top right corner, then select "Card Details" and scroll down to the bottom, and then tap "Remove This Card".

What should I do if I lose my original AEON Card and receive a replacement card?

The cards in Apple Pay are digital version of your physical cards. If you lose your original AEON Card and the respective card will be suspended in Apple Pay automatically, you need to register the card again when you receive the replacement card.

What should I do if I receive a renewal AEON Card as the original card has expired?

The cards in Apple Pay are digital versions of your physical cards. If you receive a renewal card to replace your expired card, your renewal AEON Card will automatically be registered back to Apple Pay when you activate your renewal credit card.

Can I continue to use my physical AEON Card if I disable Apple Pay or remove the digital equivalent on Apple Pay?

Yes. When you disable Apple Pay or remove a registered card, you are only suspending the digital card that has been assigned to your device for that card.

What should I do if my device is lost or stolen?

You can go to your Apple ID account page via iCloud or use the "Find My iPhone" app to suspend or permanently remove the ability to pay of your AEON Card from that device with Apple Pay.
Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network; the action will be processed once it is online again.
Besides, you may contact AEON Customer Service Hotline at 2895 6262 to report a lost/stolen card. Our customer service representative will be able to block the AEON Card enrolled on Apple Pay on the device.

Will my Apple Pay information still be on my device if it is formatted?

No. Formatting your device will remove all cards registered to your device.

If I want to switch device, do I need to add the AEON Card all over again?

Yes. You would need to register your AEON Card again if you were to change your device. Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You can remove your AEON Card by selecting the card in the Wallet app, click “...”button in the top right corner, then select "Card Details" and scroll down to the bottom, and then tap "Remove This Card".

If I have received the renewal AEON Card with same card number, do I have to add the card again?

No, your renewal AEON Card will automatically be registered back to Apple Pay when you activate your renewal credit card.

How secure is Apple Pay?

When you add an AEON Card to Apple Pay, a unique virtual account number is allocated by Apple Pay and Card Network represents your physical card. Your name and full card details, except the last 4 digits of your card number for easy identification, are never shown in the app and never shared with the store.

Where can I use Apple Pay?

You can use Apple Pay in stores with contactless payment terminals. You can also make in-app purchases where Apple Pay is provided as a payment option.

How can I cancel a payment made using Apple Pay?

Cancelling a payment made with Apple Pay is the same as a physical card. Please contact your merchant if you have specific feedback about the product/service, or if you wish to request for a refund.

How do I return a purchase if I used Apple Pay to make the payment?

All purchases made with Apple Pay can be returned according to the store’s policies. If you return an item paid for with Apple Pay, the store may require you to tap your phone onto the NFC reader to complete the return.

Do I need to have an active internet connection for Apple Pay to work?

Apple Pay requires an active internet connection for AEON Card registration and activation. However, an active internet connection is not required to make in-store purchases.

How can I keep track of purchases made with Apple Pay?

The last 10 transactions made with Apple Pay are viewable in the Wallet app. Simply tap on a registered AEON Card in the app to see the Apple Pay transactions made with that card.

Can I enjoy card benefits and earn bonus points when using Apple Pay?

Same as physical versions of AEON Cards, you will enjoy card benefits or receive bonus points when you make payments using using Apple Pay.