Enjoy easy access and convenience of settling your credit card bills via BSN's large network of branches, Interbank GIRO (IBG), Cash Deposit Machines and ATMs nationwide or just sign up for our autodebit facility.
WORLDWIDE CASH ADVANCE
Get cash advance from more than 1 million ATMs throughout the world, including BSN network of branches and ATMs.
WORLDWIDE CONVENIENCE
Enjoy the convenience of using your BSN Visa/MasterCard in over 180 countries worldwide. Wherever you may be, you can be sure that you will be attended to.
FREE TRAVEL INSURANCE COVERAGE AND INCONVENIENCE BENEFITS
Enjoy automatic travel insurance coverage of up to RM 300,000 when you purchase an ait ticket using your BSN Classic card, and RM 500,000 with your BSN Gold card. You will also be covered for any inconvenience due to flight delays, luggage loss or missed connections.
PAY ON TIME AND ENJOY LOWER FINANCE CHARGES
Enjoy lower finance charges at 15% p.a. or 1.25% per month when you pay your credit card bill by the payment due date.
BSN EASYPAY PLAN AT 0% INTEREST
Take home your dream items with our interest free instalment plan up to 24 months. Just shop anywhere ( minimum RM 500 in a single receipt ) and call us at 1-300-885-855 to convert your purchases into an instalment plan.
BALANCE TRANSFER PLAN
Enjoy great savings on finance charges when you transfer the outstanding balances ( minimum transfer RM 500 ) from you other credit cards to your BSN credit card at only 1% per month for 12 months.
EARN BONUS POINTS
Earn 1 bonus point for every RM 1 spent. The points collected will allow you to enjoy full waiver/discount on your annual fees.
FREE SUPPLEMENTARY CARD
Share your credit card privileges with immediately family members when you present them with a Supplementary Card.
GET YOUR BONUS POINTS NOW !!!
Card Type
Annual Amount Spent (RM )
Bonus Points Earned
Deduction From Annual Fee
Cardholder Savings (RM)
New Annual Fee (RM)
Pr.
Supp
Pr.
Supp
CLASSIC CARD
1,200 - 1,999
1,200 - 1,999
25%
15
7.5
45
22.50
2,000 - 2,999
2,000 - 2,999
50%
30
15
30
15
3,000 - 3,999
3,000 - 3,999
75%
45
22.50
15
7.50
4,000 and above
4,000 and above
100%
60
30
0
0
Card Type
Annual Amount Spent (RM )
Bonus Points Earned
Deduction From Annual Fee
Cardholder Savings (RM)
New Annual Fee (RM)
Pr.
Supp
Pr.
Supp
GOLD CARD
2,400 - 3,999
2,400 - 3,999
25%
31.25
18.75
93.75
56.25
4,000 - 5,999
4,000 - 5,999
50%
62.50
37.50
62.50
37.50
6,000 - 7,499
6,000 - 7,499
75%
93.75
56.25
21.25
18.75
7,500 and above
7,500 and above
100%
125
75
0
0
Note : RM 1 spent = 1 bonus point ( retail transactions only )
ANNUAL FEES
Annual Fee for the 1st year is FREE and subsequent years is based on card usage and bonus points collected
Joining fee is waived
ANNUAL FEE
CARD TYPE
PRINCIPAL
SUPPLEMENTARY
VISA Classic or MasterCard Standard Card
RM60
RM30
VISA or MasterCard Gold Card
RM125
RM75
VISA Classic and MasterCard Standard Card
RM90
RM30
VISA and MasterCard Gold Card
RM175
RM75
FINANCE CHARGES BASED ON TIERED PRICING
15% p.a or 1.25% p.m. when you settle at least the minimum payment by the payment due date.
18% p.a. or 1.5% p.m. when you settle your payment after the payment due date.
BALANCE TRANSFER
12% p.a or 1% p.m. for the first 12 months. Finance charges on the subsequent months are at 18% p.a. or 1.5% p.m. of the balance amount transferred calculated on a daily basis.
CASH ADVANCE FEE
5% of the amount advanced or a minimum of RM 10, whichever is higher. This is imposed for eash cash advance transaction.
MINIMUM MONTHLY REPAYMENT
5% of the outstanding balance or a minimum of RM 50, whichever is higher.
LATE PAYMENT CHARGES
5Minimum of RM10 or 1% of the outstanding balance as at statement date, whichever is higher (up to a maximum of RM 25).
INTEREST FREE PERIOD
20 days from the date of the monthly billing statement if all retail transactions of the previous month are fully paid.
CONVERSION TO OVERSEAS TRANSACTIONS
The conversion rate as determined by VISA International or MasterCard International and no additional administration cost is imposed by the Bank.
ELIGIBILITY
BSN Credit Cards are open to individuals with annual income of RM18,000 and above.
For the BSN VISA Classic/MasterCard Standard Card, your annual income should be at least RM18,000. If your annual income is RM48,000 or more, you are eligible to receive the BSN VISA/MasterCard Gold Card.
To apply, you must be at least 21 years old to be a Principal Cardholder and 18 years old to be a Supplementary Cardholder.
For applicants without a fixed income, you may pledge your Fixed Deposit or Sijil Simpanan Premium with BSN to apply for a credit card . The minimum pledge amount for a Classic card is RM 4,000 and RM 14,000 for a Gold card.
TO APPLY PLEASE SUBMIT THE FOLLOWING DOCUMENTS
TOGETHER WITH YOUR COMPLETED CREDIT CARD APPLICATION FORM
Individual Applicant
Copy of I/C ( both sides )
Copy of latest 2 months payslip
Self Employed
Copy of I/C ( both sides ).
Copy of last 3 months company's bank statements.
Copy of Form 9, 24, 49/ Business Registration Certificate.
Other documents that will support you application .
Principal Cardholder of other credit cards issued in Malaysia and card held for at least 1 year
Copy of I/C ( both sides )
Copy of credit card ( both sides )
WHERE TO SUBMIT YOUR APPLICATION FORM?
You can submit your application form together with the necessary documents to any nearest BSN branch or send it by mail to :
Bahagian Operasi Kredit
Jabatan Pengurusan Kredit
Tingkat 2, Wisma BSN
117, Jalan Ampang
50450 Kuala Lumpur
CONTACT US
If your card is lost or stolen, report immediately at 03-21425258. For inquiries please contact :
CUSTOMER SERVICE DEPARTMENT
Bank Simpanan Nasional
4th Floor, Wisma BSN
117, Jalan Ampang
50450 Kuala Lumpur
Tel: 03-2142 5258 Faks: 603-2710 7252
Emel : servicemanager@bsn.com.my
Bank Simpanan Nasional, Wisma BSN, 117, Jalan Ampang, 50450 Kuala Lumpur.
Tel: 603-2162 3222
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