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  • BSN Installment-Pay

    Any of your retail spends can now be converted into smaller payments with the BSN Installment-Pay Plan. Based on the purchase amount, you’ll have to pay a one-time upfront fee and choose a suitable repayment tenure. This payment option is a feature of all eligible credit cards from BSN.

    Features of BSN Installment-Pay

    Purchase Amount Installment Tenure
    RM500 to RM999 6 months
    RM1,000 to RM1,999 6 or 12 months
    RM2,000 or more 6, 12 or 24 months

    The one-time upfront fee depends on the Installment tenure and the transaction amount as given below:

    Installment Tenure Upfront Fee (%)
    6 months 3
    12 months 4
    24 months 5

    Benefits

    • Enjoy 0% management fee on your Installments.
    • Get flexible repayment periods starting from six months and going up to 24 months.

    Eligibility

    • The purchase amount must be RM500 or more.
    • The card account must be in good standing with the bank.
    • Shouldn’t have defaulted on any bill payments.

    List of Credit Cards Featuring BSN Installment-Pay

    Credit Card
    Key Benefit
    Interest Rate (% p.a.)
    Annual Fee
    Know More

    Get a complimentary BSN Zing PLUSMiles Card

    11-17.5

    Waived for a lifetime

    Redeem your Reward Points with Enrich Miles

    11-17.5

    Waived for a lifetime

    Earn Happy Points on every ringgit you spend

    11-17.5

    Waived for a lifetime

    Get free travel insurance cover of up to RM300,000

    11-17.5

    Waived for a lifetime

    Enjoy the free membership to YGMB

    8.88-14

    Waived for a lifetime

    Earn up to 2 Reward Points on every spend of RM1

    11-17.5

    Waived for a lifetime

    Get Will writing services at a price of RM300

    9.95-17.5

    Waived for a lifetime

    Get a free BSN Zing PLUSMiles Card

    11-17.5

    Waived for a lifetime

    Enjoy special offers on dining, travel and shopping

    11-17.5

    Waived for a lifetime

    How Does the BSN Installment-Pay Plan Work?

    • After the retail transaction with the qualifying purchase amount, you must notify the bank to convert your purchase into the scheme.
    • On approval, a one-time fee will be charged to your credit card account by the next statement date.
    • The aggregate purchase amount will be equally divided by the chosen number of months.
    • Until the bank approves with a written notice, the approved Installment plan cannot be changed.
    • If you don’t pay the monthly Installment in full and pay the minimum payment of 5% of the outstanding balance, you will be required to pay the finance charges on the remaining outstanding balance.
    • It is allowed to apply for the plan more than once based on the available credit limit and such other criteria.

    How Do You Apply for the BSN Installment-Pay Plan?

    • Convert your purchase into the BSN Installment-Pay plan by calling 1300-885-855.
    • Choose a suitable repayment period and Inform the bank of your choice.

    Quit worrying about making large retail spends at any merchant. Take up the BSN Installment-Pay Plan and convert such big transactions into smaller payments that you can afford. This way, you’ll have more money for other important spends while still buying what you really need.

    FAQs on BSN Installment-Pay

    Q. When should I inform the bank to convert my purchase into the Installment-Pay plan?

    A. You must inform the bank to convert your purchase into the plan after 3 days of the purchase or before the next card statement, whichever is earlier.

    Q. Is the plan available to supplementary cardholders?

    A. No. The plan is available only for principal cardholders.

    Q. Is the plan applicable only to Conventional credit cards?

    A. No. The plan is applicable to both Conventional and Islamic credit cards.

    Q. What do retail transactions mean?

    A. Retail transactions include the purchase of computers, electronic gadgets, electrical appliances, car accessories, optical, jewellery, insurance, watches, beauty products, etc.

    Q. Is the upfront fee refundable on cancellation of the plan?

    A. No. The upfront fee is non-refundable in any case.

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