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
RM25 Service Tax Rebate for new Credit Cardmembers for the first year**

**Perform minimum one transaction (any amount) with the card within 6 months from card approval date.

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
RM25 Service Tax Rebate for new Credit Cardmembers for the first year**

**Perform minimum one transaction (any amount) with the card within 6 months from card approval date.

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, Airasia 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 latest 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 ATM.
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

Salaried Employee

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

Self Employed

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

Commission Earner

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.