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    BSN Credit Card

    BSN has a range of credit cards that can be used for multiple purposes. The cards offer a range of privileges, including rewards on retail transactions and exclusive deals. Each card comes with low finance charges and is free for life.

    Quick Links

    Features and Benefits

    • Earn BSN Happy Rewards on local and overseas retail transactions.
    • Enjoy toll rebates and discounts with the complimentary BSN Zing PLUSMiles Card, which you get with any BSN credit card.
    • Enjoy special offers and discounts from participating merchant outlets.
    • Get complimentary travel insurance when you charge the full airfare with your credit card. The insurance also covers inconvenience benefits.
    • Make use of the balance transfer facility with plans starting from 0%.
    • Use the BSN Instalment-Pay Plan to convert your purchases into monthly instalments at just 0%.
    • Use the ‘Don't Worry Credit Shield’ and ‘Don't Worry Bereavement’ insurance plans provided by the bank and get a coverage of up to RM100,000 for death or total and permanent disability.
    • Get up to 5 supplementary cards.
    • All cards are free for life.
    • All cards come with low finance charges.

    BSN Credit Cards – An Overview

    Card Name Ideal For Key Benefit Annual Income Requirement
    BSN Platinum Visa/MasterCard Travelling, local spends, and overseas purchases.
    • Earn 1x Happy Point for local spends.
    • Earn 2x Happy Points for overseas spends as well as for local dining, local golf, and local travel from participating partners.
    RM60,000 p.a.
    BSN Gold Visa/MasterCard Local and overseas spends.
    • Earn 1x Happy Point when you spend locally.
    • Earn 2x Happy Points when you spend overseas.
    RM36,000 p.a.
    BSN Classic Visa/MasterCard Local and overseas spends.
    • Earn 1x Happy Point when you spend locally.
    • Earn 2x Happy Points when you spend overseas.
    RM24,000 p.a.
    BSN-1Teachers Mastercard Gold For teachers who are looking to secure great savings.
    • Earn 1x Happy Point when you spend locally.
    • Earn 2x Happy Points when you spend overseas.
    RM24,000 p.a.

    *Interest Rate:

    For BSN-1Teachers Mastercard Gold: 8.88% p.a. to 14% p.a.

    For Other Cards:

    • Government Employees: 11% p.a. to 17.5% p.a.
    • Private sector employees: 13.5% p.a. to 17.5% p.a.

    **Annual Fee: Waived for all Cards

    Best BSN Credit Cards

    BSN Visa Gold/BSN Mastercard Gold: Best for Rewards

    • Earn 1x Happy Point on all local purchases.
    • Earn 2x Happy Points on all overseas purchases.
    • Get travel insurance coverage up to RM500,000 when you pay the full air tickets using your BSN Visa Gold card/BSN Mastercard Gold card.
    • Enjoy finance charges as low as 11% with this card.
    • Get discounts and special deals from participating hotels, restaurants, retailers, and other merchants.
    • Get a free BSN Zing PLUSMiles Card along with this card and use it to get toll rebates and discounts.
    • The card is free for life.
    • Get up to 5 supplementary cards along with this card.
    • Make use of the insurance plans ‘Don't Worry Credit Shield’ and ‘Don't Worry Bereavement’ that are available with this card.

    BSN Platinum Mastercard/BSN Visa Platinum: Best for Travel

    • Earn 1x Happy Point for all local purchases.
    • Earn 2x Happy Points for all overseas purchases as well as for local dining, local golf, and local travel from participating partners.
    • Redeem Enrich Miles, lifestyle items, and gift vouchers with your accumulated Happy Points.
    • Get travel insurance coverage up to RM1 million. The insurance also covers luggage loss, luggage delays, flight delays, and missed flights.
    • Get finance charges as low as 11% with this card.
    • Get round-the-clock concierge services.
    • Enjoy special discounts and privileges from participating hotels, restaurants, retailers, and other merchants.
    • Make use of the 24-hour customer service facility that is available with this card.
    • Get will writing services from as low as RM400.
    • Get a free BSN Zing PLUSMiles Card along with this card and use it to get toll rebates and discounts.
    • Get an interest-free period of 20 days for all retail purchases, provided that the preceding month's outstanding balance has been fully settled.
    • The card is free for life.
    • Get up to 5 supplementary cards along with this card.
    • Make use of the insurance plans ‘Don't Worry Credit Shield’ and ‘Don't Worry Bereavement’ that are available with this card.

    Rewards Programme

    BSN Happy Rewards Programme: This is a loyalty programme offered to BSN credit cards. Earn Happy Points when you carry out local and overseas retail transactions. Redeem the accumulated Happy Points on a range of lifestyle items and rewards. If you have a Platinum card, you can redeem the points on air miles as well.

    BSN Credit Card Promotions

    • Use the promo code 'BSN2018' and get a discount of 15% for all spends above RM120 on Zalora. This is an ongoing promotional offer that is valid until 31 December 2018.
    • Get health screening packages from RM150 onwards at BP Specialist Centre. Also, get a discount of 10% on any Nutridos supplements and BP healthcare products. This is an ongoing promotion that is valid until 28 February 2019.

    Payment Plans

    • BSN Balance Transfer Programme: Transfer the outstanding balance of another bank’s credit card to your BSN credit card at a very low interest rate. There are 7 plans under the programme and you can choose one that suits your requirements the best.
    • BSN Autobilling: You can pay your monthly bills using this facility. You not only earn Rewards Points on every transaction, but also won’t have to pay service charges.
    • BSN 0% EasyPay Plan: Use your BSN credit card for shopping at participating merchant outlets and enjoy interest-free payments of up to 36 months.
    • BSN Instalment-Pay Plan: Convert your purchases into convenient monthly instalments using this facility. Get 0% interest on your instalments for 6, 12, or 24 months with a one-time upfront fee. The minimum purchase amount is RM500.
    • BSN EasyCash: Get up to 80% cash from your available credit limit at 0% interest. There are 6 flexible plans under this scheme. You can choose one that suits your requirements the best.
    • Visa Checkout: Shop online without any hassle using the Visa Checkout service. You just need to add your BSN Visa card to enrol and pay using Visa Checkout at all websites that accept Visa Checkout. This service is only applicable to BSN Visa credit cards.

    BSN Balance Transfer Credit Card Plans

    Plan Tenure BSN Balance Transfer Rates (per month) Minimum Transfer Amount
    A 3 months 0.30% RM500
    B 6 months 0.30% RM1,000
    C 9 months 0.30% RM1,000
    D 12 months 0% for the first 6 months and subsequent months at 0.30% RM1,000
    E 24 months 0% for the first 12 months and subsequent months at 0.375% RM1,000
    F 36 months 0.375% RM2,000
    G 12 months 0% RM1,000

    Note: Plan G is only for a limited time.

    Insurance Plans

    • Travel Insurance: Each card comes with a complimentary travel accident insurance and inconvenience benefits. You will be entitled to the insurance only if you charge the full airfare with your BSN credit card. Each card comes with different coverage. The benefits include cover against luggage delays, flight delays, luggage loss, and missed connections.
    • Don't Worry Credit Shield: This insurance plan covers death and total or permanent disability. You can get a maximum coverage of RM1 million under this plan.
    • Don't Worry Bereavement: This plan provides bereavement benefits of RM3,000 as funeral expenses.

    Eligibility Criteria

    Nationality Requirement

    • Malaysian

    Age Requirement

    • Principal cardholder: 21 years
    • Supplementary cardholder: 18 years

    Income Requirement

    Cards Income Required
    BSN Visa Platinum RM60,000 p.a.
    BSN Platinum Mastercard RM60,000 p.a.
    BSN Visa Gold RM36,000 p.a.
    BSN Mastercard Gold RM36,000 p.a.
    BSN Visa Classic RM24,000 p.a.
    BSN Mastercard Classic RM24,000 p.a.
    BSN-1Teachers Mastercard Gold RM24,000 p.a.

    Other Criteria

    For BSN-1Teachers Mastercard Gold:

    • Teachers and employees under the Ministry of Education, Malaysia.
    • Lecturers in approved public/private institutions of higher education.
    • Teachers of MARA Junior Science College (MRSM).

    Documents Required

    For BSN-1Teachers Mastercard Gold

    Teachers, staff of Ministry of Education, Malaysia, and lecturers from public institutions of higher learning:

    • 1 NRIC copy (both sides).
    • 1 NRIC copy each for each supplementary card.
    • 1 copy of latest salary slip (1 month).

    Lecturers from private institutions of higher learning:

    • 1 NRIC copy (both sides).
    • 1 NRIC copy each for each supplementary card.
    • Any one of the following:
      • 1 copy of latest salary slip (2 months).
      • Latest EPF statement.
      • Form EA.
      • Form B with official tax payment receipt.

    For all other cards

    Salaried government servants:

    • 1 NRIC copy.
    • Any one of the following:
      • 1 copy of latest salary slip (1 month).
      • Employer confirmation letter.
      • Copy of Authority Card (for army and police personnel).

    Salaried private sector employees:

    • 1 NRIC copy.
    • Any one of the following:
      • 1 copy of latest salary slip (3 months).
      • Latest EPF statement.
      • Latest EA Form/BE Form.

    Self-employed individuals

    • 1 NRIC copy.
    • Any one of the following:
      • 1 copy of latest company's bank statement (6 months).
      •  Latest B Form with official tax receipt.
    • Any one of the following:
      • Copy of Form 9, 24, & 49.
      • Business Registration Certificate.

    Commission earners

    • 1 NRIC copy.
    • Any one of the following:
      • 1 copy of latest commission statement (6 months/1 year).
      • EA Form/BE Form with official tax receipt.

    Other documents

    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 could vary from card to card.

    Fees and Charges

    Fees Charges
    Annual Fee (Principal Card) All cards: Free for life.
    Annual Fee (Supplementary Card) All cards: Free for life.
    Retail Interest Rate
    • For BSN-1Teachers Mastercard Gold: 8.88% p.a. to 14% p.a.
    • For all other cards:
      • Government Employees: 11% p.a. to 17.5% p.a.
      • Private sector employees: 13.5% p.a. to 17.5% p.a.
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee A minimum of RM10 or 5% of the cash advance amount, whichever is higher.
    Minimum Monthly Payment A minimum of RM50 or 5% of total outstanding balance, whichever is higher.
    Late Payment Charges A minimum of RM10 or 1% of total outstanding balance, subject to a maximum of RM75.
    Overseas Transaction Fee All transactions made outside Malaysia will be converted to Ringgit Malaysia on the date of transaction. The exchange rates are determined by Mastercard Worldwide or Visa International. An additionally 1% will also be charged as administration cost.

    Activating or Cancelling Your Card

    You can activate your new BSN credit card in any of the following ways:

    • Via SMS:
      • Type BSNACT IC Numberthe last 4 digits of your credit card number.
      • SMS the text to 66300.
    • Via Platinum careline (only for BSN Visa Platinum and BSN Platinum Mastercard)
      • Call the contact centre at 1800-22-0800.
    • Via myBSN Internet Banking:
      • Log in with your username and password.
      • Select your credit card.
      • Change the PIN of your credit card.
      • Select your credit card number.
      • Enter new PIN.
      • Confirm new PIN.
      • Request Transaction Authorisation Code (TAC).
      • Enter TAC.

    Credit Card Statements

    • e-Statements: You can access your credit card statements via e-Statement for free. Follow the below steps to sign up for e-Statements:
      • Type STMTNRICe-mail address.
      • SMS the text to 66300.
    • Paper statements: You can also opt for paper statements. You will have to pay RM5 per monthly statement. However, once you opt for e-Statements, you will not receive any more paper statements.

    Security Features

    • PIN & PAY: The PIN & PAY facility was introduced to replace signature cards with PIN-enabled cards. All Point-of-Sale terminals in Malaysia only accept PIN for transactions. This facility is safer than signing as it protects against fraud in case of lost or misplaced cards.
    • Transaction Authorisation Code (TAC): You need TAC for third party fund transfers, payment to non-registered payee corporations, third party credit card payment, PIN purchase, statement request, to add a new third party account, to add new favourite bills, and to change password manually.

    Lost Card Liability

    If you have lost or misplaced your card, you must notify the bank as soon as possible. The bank will block your card immediately as a security measure. You can contact the BSN Contact Centre in the following ways:

    • Telephone: 1300 88 1900 or +603-2613 1900 (overseas).
    • Fax: 03-2688 0888 or 03-2613 1888 (general).
    • Email: customercare@bsn.com.my.
    • Online feedback form: You can also fill in the online feedback form provided on the website. Follow the below steps to report a stolen/lost card:
      • Go to BSN's official website.
      • Click on ‘Customer Care’.
      • You will find the online feedback form on the list under 'Customer Care'.

    If you have a platinum card, you can report a lost card in the following ways:

    • Telephone: 1800 22 0800 or +603-2688 0800 (overseas).
    •  Fax: 03-2688 0888.

    Note: The contact centre is functional from 7:00 am to 12:00 am (midnight). All calls after 12:00 am will be directed to the bank’s auto Interactive Voice Response.

    How to apply BSN Credit Card?

    Applicants can apply for a BSN Credit Card through the following ways:

    • Applicants can find and download the application form for the desired credit card on the BSN bank website and must submit it along with the required supporting documents.
    • Applicants can also visit their nearest BSN branch and apply for the desired credit card.

    How Do You Increase/Decrease the Credit Limit?

    If you want to increase or decrease the maximum credit limit assigned to your card, you need to fill in a form and submit it to the nearest branch. You will find the form on BSN's website.

    • Go to BSN's official website.
    • Click on 'Customer Care'.
    • Click on 'Forms' in the list provided.
    • Choose the form for ‘BSN Credit Limit Increase’.

    If you are looking for a credit card that comes with low finance charges, a BSN credit card is ideal for you. You will earn rewards on every transaction you carry out, which can be used to redeem a range of lifestyle items and vouchers. If you have a Platinum card, you can redeem the points on air miles.

    BSN Credit Card Customer Care / Hotline Number

    The BSN Credit Card Customer Service Number are as follows:

  • For local calls: 1300 88 1900

  • For overseas calls: 603 2613 1900

  • By Fax: 603 2688 0888

  • Platinum Credit Card Hotline: 1800 22 0800 (local calls), 603 2688 0800 (overseas calls)

    FAQs

    Q. What are the modes of payment available?

    A. You can pay using the following modes of payment:

    • Via any BSN ATMs.
    • Via any BSN CDMs.
    • Via myBSN (online banking).
    • Via SMS banking.
    • Via Interbank GIRO.
    • At any of the BSN branches nationwide.
    • By mailing the cheque using the envelope provided with your monthly statement.

    Q. How do I register with myBSN using my BSN credit card?

    A. In order to access myBSN, you need to be a registered user. Follow the below steps to register with the service:

    • Click on 'Register' on the top right corner of the BSN homepage.
    • Click on 'First Time Registration'.
    • Enter the credit card number, CVV2 number, and card expiry date.
    • Enter any one of the following: new IC number, old IC number, or passport number.
    • Enter new username and password.
    • Request TAC.
    • You will receive the TAC on your registered mobile number. Enter the number.
    • Select the security image.
    • Click ‘login’ and follow the instructions given on your screen

    Q. How much will I be charged if I lose my card?

    A. The first time replacement shall be free of charge. For the subsequent replacements, you will be charged RM50 per card.

    Q. What privileges will I enjoy with the BSN Zing PLUSMiles card?

    A. You will get a free BSN Zing PLUSMiles card along with your credit card. The following are the card privileges:

    • Get 5% toll rebates when you spend RM100 and above per month at PLUS, ELITE, BKE, and LINKEDUA highways.
    • Get up to 30% discount at participating PLUSMiles merchant outlets.
    • Earn 1 PLUSMiles Point for every RM1 you use for all monthly spends less than RM100. Redeem these points for free loads. The conversion rate is as follows: 1,000 PLUSMiles Points = RM10 free reload.
    • Get BSN Happy Rewards Points on your reload transactions. The conversion rate is as follows: RM1= 1 Happy Point.
    • Get free e-Statements when you use your BSN Zing PLUSMiles card.

    Q. How do I make payments to another bank's credit card?

    A. You can use the IBG service for transferring funds from your BSN card to another bank's credit card. The daily maximum limit for transactions via IBG service is RM10,000. You will be charged RM0.10 per transaction. The funds will be transferred within 3 working days.

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