Domestic Operations

Contributing to a wide range of customer lifestyles and life stages

We offer helpful, convenient and beneficial financial services that our customers use in their daily lives to support their various financial needs.

lifestage lifestyle

Domestic BusinessesWe strive to provide financial products and services that have real relevance in people' daily lives.

Credit Card Business

Our Credit Cards

We offer a range of services including credit card-linked bank deposits and e-money, and offer the benefits of our services to AEON Group companies and partner companies.

AEON CARD SELECT

AEON CARD SELECT is a multi-function card that combines the functions and benefits of a credit card, a cash card and an e-money WAON card in a single card. An additional card loan function is also available. AEON CARD SELECT offers preferential interests rates on ordinary deposits, and allows customers to accumulate WAON points each month by designating an account for direct deposit of their paycheck and by paying utility bills with their card.

AEON CARD SELECT
COSMO THE CARD Opus

COSMO THE CARD Opus offers cardholders a special member price for fuel from Cosmo Oil Co., Ltd. Moreover, new cardholders receive a discount on 50 liters of fuel (maximum \500) on their first credit card statement.

Note: Some Cosmo service stations do not participate. Users should confirm.

COSMO THE CARD Opus
A Growing Number of Cardholders

We are expanding the number of cardholders by recruiting them through AEON shopping centers, affiliated merchants and the Internet. We have also simplified procedures at stores and shortened the time to issue cards by accepting card applications using tablet computers. In addition, we are promoting the AEON Card (Disney design) featuring popular Disney characters to recruit people in their 20s and 30s, who will drive consumption. Moreover, we are issuing the AEON JMB Card with the G.G. logo for customers aged 55 and older. It has the usual AEON Card privileges and also facilitates the accumulation of JAL miles compared with other mileage services.

Note: The AEON Card (Disney design) has been issued since November 2014 under the JCB brand through a tie-up with JCB, the Disney design card’s master licensee.

AEON JMB Card
Expanding Card Acceptance

We are adding affiliated merchants to give cardholders broad flexibility to shop with their cards within the AEON Group and at other companies. We are also complementing our credit cards by introducing new terminals for e-money including WAON and for payment via UnionPay. In addition, we are introducing Aeon Regi, which comprehensively supports e-commerce businesses with a safe, secure environment for affiliated merchants. These initiatives improve customer convenience and increase sales for affiliated merchants.

Card Use Privileges

We offer card users an array of privileges including discounts on AEON purchases and point services.

Customer Appreciation Day

Customers who use either a credit card or a WAON card to pay at AEON stores throughout Japan receive 5% on their purchases on the 20th and 30th of each month. Moreover, customers 55 and older receive 5% off their purchases on G.G. Appreciation Day on the 15th of each month.

Customer Appreciation Day
Double “Tokimeki” Points Anytime

Customers earn two Tokimeki points for every \200 of credit purchases using an AEON Card at applicable stores of the AEON Group, including all AEON, AEON Mall, Daiei and Maxvalu stores throughout Japan.

Notes:

  1. 1.Does not apply to some cards, stores and products.
  2. 2.Offer cannot be used in conjunction with other point earning plans, such as Arigato Day (10th of each month).
Double “Tokimeki” Points Anytime

Installment Sales Finance Business

AEON Product Finance Co., Ltd. is in the installment sales finance business. It provides optimal finance services attuned to various aspects of people’s lives, including automobile loans to support pleasant car ownership and renovation and solar loans to support comfortable living and housing. Our branch network throughout Japan also conducts sales development that is closely aligned with communities to support sales promotion among affiliated merchants. In addition, we use the Internet for offerings that include immediate web-based auto loan review.

Note: Installment sales are a payment method that involves a credit check for each purchase of a product or service.

Installment Sales Finance Business

Banking Business

AEON Bank Branches

AEON Bank branches generally operate from 9:00 am to 9:00 pm, and are open daily including weekends, public holidays, the year-end/New Year holidays and the Golden Week holidays. Customers visit our branches for a variety of financial consultations and procedures while they are shopping at AEON shopping centers, regardless of the day and time. We propose financial services tailored to future financing plans and family structure in order to meet the individual needs of all customers.

AEON Bank Branches
Comprehensive Account

AEON Bank's comprehensive account allows the use of ordinary deposits, time deposits and savings-type time deposits. In addition, deposits in comprehensive AEON CARD SELECT accounts carry a higher bonus rate of interest.

AEON Bank ATMs

Installed at AEON stores throughout Japan, Ministop stores, stations, airports and elsewhere, our ATMs allows customers to use their AEON CARD SELECT or AEON Bank cash card to deposit and withdraw funds free of charge 24 hours a day, 365 days a year. Customers can also add funds to their WAON cards at our ATMs.

AEON Bank ATMs
Housing Loans

AEON Bank's housing loans feature no guarantee charges, and no fees for partial prepayments. In addition, loan customers become members of the AEON Select Club, which provides a special everyday 5% discount on purchases at AEON Group stores. We also expanded borrowing plan options in July 2016 by offering Flat 35, a 35-year fixed-interest housing loan, at some stores. We will steadily expand the number of stores that handle these loans.

Housing Loans
AEON GOLD CARD SELECT
AEON Select Club issue
Various Loans

AEON Bank offers a variety of loans to meet the diverse needs of customers, including card loans, unsecured (“free”) loans, and education loans.

Asset Management

We handle a total of 46 insurance products, including individual pension insurance, whole life insurance and educational endowment insurance. Our lineup of 250 trust products is one of the largest among banks in Japan and enables us to address the investment needs of individual customers.

Asset Management

E-Money Business

The Group is increasing the number of places where customers can use WAON and other types of e-money, both inside and outside the Group. The use of WAON started at approximately 12,000 LAWSON stores nationwide, and WAON is now accepted for payment at AEON Group stores throughout Japan and at other locations including convenience stores, fast food outlets and major leisure facilities.

「WAON is a form of e-money administered by AEON Co., Ltd. Information including stores and affiliated merchants that accept it is available at the official WAON website

E-Money Business

Call Center Operations

We operate the call center for credit cards and AEON Bank. The call center is open from 9:00 am to 9:00 pm every day of the year to respond to inquiries regarding applications, requests for materials, and other matters. The call center also leverages the phone answering system it has constructed and its expertise to serve as a call center contractor for companies outside the Group.

Call Center Operations

Insurance Agency Business and Short-Term Small Amount Insurance Business

AEON Insurance Service Co., Ltd. is in the insurance agency business and operates AEON Insurance Shops, primarily at AEON shopping centers. We have improved convenience by enabling customers to makes reservations online for visits to an AEON Insurance Shop. Lifestyles and living environments are becoming increasing diverse, so we are proposing appropriate products to meet various customer needs and providing courteous, high-quality service.
The goal of the short-term, small amount insurance business is to design products that support our customers’ lives because they are easy to understand and useful. We offer unique AEON short-term, small amount insurance products from medical insurance to pet insurance for pet health liabilities and automobile insurance. We also design products in collaboration with our partners that address market needs. Our partners market these products as their own branded products.

Insurance Agency Business and Short-Term Small Amount Insurance Business

Leasing Business

ACS Leasing Co., Ltd. entered the leasing business in December 2015 by taking over the leasing business from The Daiei, Inc. subsidiary Japan Distribution Leasing Corporation. We are expanding this business to serve the leasing needs of the AEON Group and its associated companies.

Servicer Business

Management, Collection and Purchase of Specified Monetary Claims

We manage, collect and purchase monetary claims specified by the Act on Special Measures Concerning Claim Management and Collection Businesses, which are receivables from financial and other institutions.
Types of receivables involved include credit card debt, automobile (“my car”) loans, unsecured (“free”) loans, and housing loans.

Backup Servicing Business

This business has a consistent lineup that ranges from primary servicing (management of normal receivables) to special servicing (management and collection of delinquent loans). When originators come to us with a problem, we quickly transition to servicer operations, provide notification that the servicer has changed, and put systems in place to smoothly handle subsequent billing and collection.

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