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    BSN Rewards Credit Cards

    Use any of the BSN Rewards Credit Cards, and earn rewards for every ringgit spent on local and overseas transactions. You will be rewarded with Happy Points which can be redeemed on a range of products and gift vouchers. You will also be entitled to a range of exclusive perks which includes low finance charges, travel accident coverage, balance transfer facility as well as discounts and deals from participating partner outlets.

    BSN Platinum (Visa/Mastercard)

    Rewards Category Rewards Rate Annual Fee
    Local transactions 1x Happy Points Waived for both principal and supplementary card
    Overseas transactions 2x Happy Points
    Local dining at participating merchant outlets 2x Happy Points
    Local golf privileges 2x Happy Points
    Purchasing tickets from participating partner airlines 2x Happy Points

    Features and Benefits

    • Redeem your accumulated Happy Points on Enrich Miles, shopping, and dining vouchers and lifestyle items.
    • The principal cardholder and the first supplementary cardholder will get a complimentary BSN Zing PLUSMiles Card each. Using the BSN Zing PLUSMiles Card, you can enjoy discounts and toll rebates.
    • Get complimentary travel accident insurance coverage worth RM1 million, which also provides inconvenience benefits.
    • Use the Will Writing Services facility at just RM300.
    • The annual fee is waived for this card.
    • Use the BSN Balance Transfer Programme facility to transfer the outstanding amount of another credit card to your card at very low interest rates.
    • Enjoy round-the-clock concierge services
    • Enjoy special privileges and deals on hotels, restaurants, travel companies, and retailers.
    • Get finance charges of just 11% p.a. and 13.5% p.a. for government servants and private sector employees respectively, when you have settled your payment on time.
    • If you have settled the previous month's outstanding balance, you can enjoy interest-free period of 20 days from the statement date for all retail transactions.
    • Pay your monthly bills with the BSN Autobilling facility and earn rewards points.
    • Convert your transactions into interest-free monthly instalments using the BSN Instalment-Pay Plan facility.
    • Use the BSN EasyCash facility and get instant cash with a low monthly repayment plan.
    • Round-the-clock customer services available.

    BSN-1Teachers Mastercard Gold

    Rewards Category Rewards Rate Annual Fee
    Local transactions 1x Happy Points Waived for both principal and supplementary card
    Overseas transactions 2x Happy Points

    Features and Benefits

    • Lifetime annual fee waiver for both principal and supplementary cards.
    • Enjoy low finance charges of only 8.88% p.a., provided the payment is received on or before the due date.
    • Get a complimentary BSN Zing PLUSMiles Card linked to your BSN-1Teachers card to enjoy discounts and toll rebates.
    • Enjoy dining, shopping and travel deals from participating merchants.
    • Use the BSN Balance Transfer Programme facility to transfer any unpaid principal amount of another credit card to your BSN-1Teachers.
    • Use the BSN Instalment-Pay Plan to convert your retail purchases into convenient interest-free monthly instalments.
    • Use the BSN Autobilling facility to pay bills and earn rewards points.
    • Get a discounted rate of just RM300 for Will Writing services.
    • Get a free Yayasan Guru Malaysia Berhad (YGMG) membership.
    • Get cash up to 80% from the maximum available credit limit at low interest rates using the BSN EasyCash facility.
    • Enjoy insurance coverage of up to RM500, 000. It also covers lost luggage, delayed luggage, flight delays and missed flight connection.
    • When you shop using your BSN-1Teachers card, BSN will contribute 0.2% of your purchases to Yayasan Guru Malaysia Berhad.

    BSN Gold (Visa/Mastercard)

    Rewards Category Rewards Rate Annual Fee
    Local transactions 1x Happy Points Waived for both principal and supplementary card
    Overseas transactions 2x Happy Points

    Features and Benefits

    • Get finance charges of just 11% p.a. for government servants and 13.5% p.a. for private sector employees, when you have made your payment before the due date.
    • Stay protected with free travel accident coverage of up to RM500,000 which also includes cover for travel inconveniences.
    • The annual fee is waived for this card.
    • Earn rewards points when you use the BSN Autobilling facility to pay your utility bills.
    • Get a free BSN Zing PLUSMiles Card and enjoy toll rebates and discounts.
    • Transfer any outstanding balance of other credit cards to your BSN Gold card and pay off the amount at a lower interest rate, using the BSN Balance Transfer Programme.
    • Enjoy BSN Happy Privileges, which includes special offers on shopping, dining and travel.
    • Convert your local and overseas retail purchases into flexible monthly instalments using the BSN Instalment-Pay Plan.
    • Use the Don't Worry Credit Shield and Don't Worry Bereavement facilities and get a coverage of up to RM100,000 for death or total and permanent disability.
    • Get as low as 0% interest for instant cash using the BSN EasyCash facility.

    BSN Classic (Visa/Mastercard)

    Rewards Category Rewards Rate Annual Fee
    Local transactions 1x Happy Points Waived for both principal and supplementary card
    Overseas transactions 2x Happy Points

    Features and Benefits

    • Enjoy low finance charges of just 11% p.a. for government servants and 13.5% p.a. for private sector employees, provided you pay the minimum payment before the due date.
    • No fee is charged for this card.
    • Convert your local and overseas transactions into flexible monthly instalments with tenures of up to 2 years.
    • Get a free BSN Zing PLUSMiles Card and enjoy a range of privileges, including discounts and toll rebates.
    • Use the BSN Autobilling facility for bill payment and earn rewards points.
    • Get dining, shopping and travel deals from selected merchants.
    • Get free travel accident insurance coverage of RM300,000. You will also be covered for lost luggage, luggage and flight delays, and missed flight connection.
    • If you have any outstanding balance in another credit card, you can use the BSN Balance Transfer Programme to transfer the amount to your BSN Classic card and pay the amount at a very low interest rate.
    • Get fast cash with a low monthly repayment plan using the BSN EasyCash.
    • Pay a nominal charge for the Don't Worry Bereavement and Don't Worry Credit Shield facilities and get a coverage of up to RM100,000 for death or total and permanent disability.

    How Does BSN Rewards Work?

    In order to understand how the BSN Rewards work, let’s take the example of BSN Platinum Visa card. Take a look at the following table:

    Type of Transaction Amount Spent Rewards Rate Total Happy Points Accumulated
    Ticket Purchases at Partner Outlets RM4,000 8,000 Happy Points 17,000 Happy Points
    Local Purchases RM3,000 3,000 Happy Points
    Overseas Purchases RM3,000 6,000 Happy Points

    Using the BSN Platinum Visa card, when you make a total purchase of RM10,000, on both local and overseas transactions, you earn 17,000 Happy Points. These points can be used to redeem gift rewards, FFP Miles and BSN Sijil Simpanan Premium (BSN SSP).

    Fees and Charges

    Factors Fees
    Annual Fee (Principal Cardholder) All cards are free for life
    Annual Fee (Supplementary Cardholder) All cards are free for life
    Cash Advance Interest Rate 18% p.a.
    Cash Withdrawal Fee A minimum of RM10 or 5% of the cash advance amount
    Retail Interest Rate BSN-1Teachers Mastercard Gold: 8.88% to 14% p.a.
    For all other cards: 11% to 17.5 % p.a. for government professionals 13.50% to 17.5% p.a. for private sector professionals
    Late Payment Fee 1% of the balance amount or a minimum of RM10, whichever is higher, subject to a maximum of RM75
    Minimum Monthly Payment A minimum of RM50 or 5% of the balance amount, whichever is higher

    Eligibility

    Criteria/Card Name BSN Platinum (Visa/Mastercard) BSN-1Teachers Mastercard Gold BSN Gold (Visa/Mastercard) BSN Classic (Visa/Mastercard)
    Income Requirements RM60,000.00 p.a. RM24,000 p.a. RM36,000 p.a. RM24,000 p.a.
    Age Requirements (Principal Card) 21 years
    Age Requirements (Supplementary Card) 18 years
    Nationality Requirement Malaysian

    Note: Only teachers and employees under the Ministry of Education, Malaysia, and lecturers in approved public or private institutions can apply for the BSN-1Teachers Mastercard Gold card.

    Documents Required

    Employment Type Documents Required
    Salaried Government Employees
    • NRIC copy (both sides)
    And any one of the following:
    • Latest salary slip (1 month)
    • Employer Confirmation Letter
    • A copy of Authority Card (Only for army and police personnel)
    Salaried Private Sector Employees
    • NRIC copy (both sides)
    And any one of the following:
    • Latest salary slip (3 months)
    • Latest EPF statement
    • EA Form
    • BE Form
    Self-employed Professionals
    • NRIC copy (both sides)
    • Company's bank statement (latest 6 months)
    • Latest B Form with official tax receipt
    • Copy of Form 9, 24 and 49 or Business Registration Certificate
    Commission Earners
    • NRIC copy (both sides)
    And any one of the following:
    • Latest commission statement (latest 6 months)
    • Annual commission statement
    • EA Form/BE Form with official tax receipt

    How to Apply For a BSN Rewards Credit Card?

    • Visit the bank’s nearest branch.
    • Request for the application form of the card of your choice.
    • Fill out the application form provided
    • Submit the supporting documents along with the filled form

    (or)

    • Visit the bank’s official website
    • Go to the specific card page
    • Download the application form
    • Fill out the form
    • Go to the bank’s nearest branch, and submit the filled form and the supporting documents

    When you shop using your BSN Rewards card, you get Happy Points and many other privileges. With every rewards card, you get a complimentary BSN Zing PLUSMiles Card, travel insurance coverage, and low finance charges. All the cards are free for life. Since each card has different income requirements and features/benefits, it is recommended to go through the Product Disclosure Sheet (PDS) and terms and conditions before opting for a card.

    FAQs on BSN Rewards Credit Cards

    Q. On what can I redeem my Happy Points?

    A. You can redeem the Happy Points you have earned on gift rewards, FFP Miles and BSN SSP. Visit the BSN Happy Rewards Catalogue website to view the list of items available for redemption.

    Q. Will my Happy Points expire?

    A. Happy Points have a validity of 3 years. The points accumulated in a calendar month are valid until the third year of the calendar month.

    Q. Can I exchange my Happy Points for cash?

    A. No. You cannot exchange your Happy Points for cash, credit, or cheque.

    Q. Are there any exclusions to the Happy Rewards Programme?

    A. You won't earn Happy Points for petrol purchases, government-related payments, and bank-related transactions including cash advances, balance transfer, and finance charges.

    Q. How will I check the Happy Points I have collected so far?

    A. You can check your Happy Points the following ways:

    • On your monthly statement
    • By logging on to BSN Happy Rewards website
    • By contacting BSN's customer care centre

    Q. Can Happy Points be earned on both principal and supplementary cards?

    A. Yes. You can even accumulate the points collected on each card to redeem the gift rewards.

    Q. I have replaced my BSN Rewards card with a new one. Will I lose the Happy Points I have accumulated so far?

    A. No. All the Happy Points accumulated in your old card will be transferred to your new card.

    Q. I am not a member of BSN Happy Rewards programme. How should I register on the website?

    A. To register with the BSN Happy Rewards programme, follow the below steps:

    • Visit the homepage of BSN Happy Rewards Programme
    • Click on register, followed by ‘First Time Registration’
    • Register with any ID number and provide your mobile number and email address.
    • A One Time Password will be sent to your phone.
    • Use the OTP to create your user ID, and new password.
    • Once your ID is created, you will be sent a confirmation email to the email address you have provided.
    • Click on the link sent to your email address to activate your account.
    • Upon account activation, log in with your User ID and password, and browse through the website.
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