• BSN GOLD CREDIT CARD
    Benefits and privileges galore

    Benefits

    • Finance Charge as low as 11% p.a.
    • No Annual Fee
    • BSN Merchant Privileges
    • Worldwide Acceptance and Cash Advances 
    • Payment Convenience 
    • Complimentary Travel Accident & Inconvenience Benefits
    • Credit Limit Increase
    • BSN Balance Transfer Programme
    • BSN EasyCash Plan
    • BSN Instalment-Pay Plan
    • BSN 0% EasyPay Plan (EPP)
    • BSN Happy Rewards Programme
    • BSN Autobilling 

    • Credit Shield & Bereavement
    • BSN Auto Balance Conversion Programme
    Apply Now
    BSN GOLD CREDIT CARD
    Benefits and privileges galore

    Benefits

    • Finance Charge as low as 11% p.a.
    • No Annual Fee
    • BSN Merchant Privileges
    • Worldwide Acceptance and Cash Advances 
    • Payment Convenience 
    • Complimentary Travel Accident & Inconvenience Benefits
    • Credit Limit Increase
    • BSN Balance Transfer Programme
    • BSN EasyCash Plan
    • BSN Instalment-Pay Plan
    • BSN 0% EasyPay Plan (EPP)
    • BSN Happy Rewards Programme
    • BSN Autobilling 

    • Credit Shield & Bereavement
    • BSN Auto Balance Conversion Programme
    Apply Now

Enjoy more lifestyle benefits and privileges when you apply for a BSN Visa Gold or BSN Mastercard Gold Credit Card. 

SAVINGS

  • Low Finance Charge
    Enjoy a low finance charge of only 11% p.a. (for Government Servants) and 13.5% p.a. (for Private Sector) when you promptly settle at least your minimum payment due for 12 consecutive months.
  • No Annual Fee
    Enjoy lifetime annual fee waiver for Principal and Supplementary Cards with no conditions attached.

REWARDS

      • Happy Points Redemption
        Redeem accumulated Happy Points for Enrich Points, BIG Points, exciting gifts, retail vouchers and so much more.
      • BSN Merchant Privileges
        Enjoy special discounts and offers from dining and shopping to travel treats at selected merchants. For the lastest promotions and offers, click here.  

      PRIVILEGES

      • Worldwide Acceptance and Cash Advances
        Shop and dine at over 29 million establishments worldwide or withdraw cash at over 1 million ATMs, wherever Visa is accepted.
      • Complimentary Travel Accident & Inconvenience Benefits 
        Enjoy automatic insurance coverage of up to RM100,000 when you charge your full travel fares to your Gold Credit Card. You will also be covered for any inconvenience as follows:

      Up To

      Lost Luggage (more than 48 hours)

      RM1,600

      Delayed Luggage (more than 6 hours)

      RM1,600

      Flight Delay (more than 6 hours)

      RM600

      Missed Connection (more than 4 hours)

      RM600

       *Subject to policy terms and conditions.

      SUPPLEMENTARY CARD

      • Share the benefits of your Gold Credit Card with your loved ones by giving them a supplementary card today.
      • You can apply up to a maximum of 5 supplementary cards (extended to your spouse, children and immediate family, who are 18 years and above).
      • Download Supplementary Card form here.

      REQUIREMENTS

      ELIGIBILITY

      • Minimum Income: RM36,000 p.a. / RM3,000 per month 
      • Minimum Age: Principal Card - 21 years old / Supplementary Card - 18 years old
      • Citizenship: Malaysia

      Documents

      Government Servant

      • Copy of NRIC (both sides) including Supplementary Applicant (if any)
      • Copy of latest 1 month payslip OR Employee Confirmation Letter (For Army and Police personnel, please attach a copy of Authority Card)

      Private Sector Employee

      • Copy of NRIC (both sides) including Supplementary Applicant (if any)
      • Copy of latest 3 months payslip/latest EPF Statement/EA Form/BE Form
      • Copy of NRIC (both sides) including Supplementary Applicant (if any)
      • Copy of latest 6 months company's bank statement
        AND
        latest B Form with official tax receipt for the latest two years 
      • Copy of Form 9, 24, & 49 OR Business Registration Certificate
      • Copy of NRIC (both sides) including Supplementary Applicant (if any)
      • Copy of latest 6 months commission statement/Annual commission statement
        OR
        EA Form/BE Form with official tax receipt

      Note:
      In place of proof of income, you can pledge your Sijil Simpanan Premium (SSP) or BSN Term Deposit. The minimum pledge amount is RM4,000 and may vary subject to the card types. The application will be subject to approval and the Bank shall determine the approved credit limit at its sole discretion. A stamp duty of RM5 per every RM1,000 approved credit limit will be imposed and charged to your credit card account.

      OTHER BENEFITS & PRIVILEGES

      Credit Limit Increase

      Need a higher credit limit for better financial flexibility? Apply for Credit Limit Increase on your BSN Credit Card today!

      Learn More

      Balance Transfer Programme

      Transfer your outstanding balances from other credit cards to your BSN Credit Card and enjoy lower interest rates.

      Learn More

      BSN EasyCash Plan

      With BSN EasyCash, you can now access cash from your BSN Credit Card at 0% interest.

      Learn More

      BSN Instalment-Pay-Plan

      Buy just about anything your heart desires and convert your purchases into affordable monthly instalments with BSN Instalment-Pay-Plan.

      Learn More

      BSN 0% EasyPay Plan (EPP)

       Enjoy interest-free instalment payments of up to 36 months when you use your BSN Credit Card at our participating merchants.

      Learn More

      BSN Happy Rewards Programme

      A loyalty programme that truly rewards you, every time you spend with your BSN Credit Card.

      Learn More

      BSN Autobilling

      BSN Autobilling is an automatic bill payment facility that automatically pays your bills every month with your BSN Credit Card.

      Learn More

      Auto Balance Conversion Programme

      Pay off your outstanding credit card balances in smaller instalments at a lower rate of 13% interest rate.

      Learn More

      Don't Worry Credit Shield and Don't Worry Bereavement

       We all know that life is full of surprises. Here’s how to make life easier for your family should anything happen to you.

      Learn More

      NOTES:

      Terms & Conditions apply 

      APPLY NOW

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      Visit our nearest branch for more information OR download our Application Form HERE.

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