BSN-AIAFAM Visa Platinum Credit Card

Get the AIAFAM life insurance you deserve at a discount and also enjoy more savings whenever you make any retail purchases, be it local or overseas!

BSN-AIAFAM Visa Platinum Credit CardRebate on Insurance Payment
Min. Income
RM2,666.67/month
Annual Fee
Free
Cashback
up to 0.8%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Cashback

Receive 0.8% cash back whenever you charge your AIAFAM life insurance payment to your credit card or you can opt to turn it into a 12 months instalment Zero Interest Plan (ZIP). Also, enjoy 0.4% cash back for any local or overseas retail purchases!

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
AIAFAM Insurance Premium0.8%uncappedfrom RM601 or above in a single receipt
Local And Overseas Retail0.4%uncappedany amount in a single receipt

Travel

Go on a vacation with peace of mind with complimentary travel insurance coverage up to RM300,000 when you purchase a flight ticket with your credit card. You'll also be financially protected against loss or delay of luggage, flight delay and missed connecting flights.

Travel CoverageSum Insured
Travel InsuranceUp to RM300,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM2,000

Premium

Enjoy exclusive discounts and privileges from selected hotels, restaurants and retail outlets around the globe. Get yourself a free BSN Zing PLUSMiles Touch 'n Go Card which will auto-reload RM100 and charge your credit card whenever the balance falls below RM50.

Balance Transfer

Manage your credit card debts easier with BSN Balance Transfer Programme and enjoy a 0% interest rate for the first half of your repayment for 12 and 24 months tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.99% one-time upfront handling feefrom RM500
12 months0% p.a. and 3.99% one-time upfront handling feefrom RM500
24 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months3.99% p.a. and no one-time upfront handling feefrom RM2,000
48 months4.99% p.a. and no one-time upfront handling feefrom RM3,000
Learn more about BSN Balance Transfer Programme

Easy Payment Plans

With BSN EasyPay Plan, you can now have flexible repayment between 3-36 months at no interest charges on your purchases at any participating merchants. Pay only an extra one-time 3-5% handling fee with BSN Instalment-Pay when you shop at any non-participating merchant.

BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about BSN EasyPay
BSN Instalment-Pay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
24 months5% one-time upfront handling feeRM2,000
Learn more about BSN Instalment-Pay

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM - supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal Fee
RM10 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM32,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysian AIAFAM Members and Policyholders Only

Features

Easy Payment Plan
BSN EasyPay
Buy whatever you want with BSN EasyPay and enjoy a flexible instalment plan with 0% interest.
BSN Instalment-Pay
Shop now and pay later! Pay for your shopping at zero interest for up to 24 months. You only need to pay a one-time upfront fee.
Cash Advance / Cash Loan
BSN EasyCash
Need fast cash for an emergency? BSN EasyCash allows you to access cash up to 80% of your credit card limit at a low interest rate starting from 0%.
Balance Transfer Plans
BSN Balance Transfer Programme
Transfer your outstanding debts from any other credit card to BSN. Consolidate your credit card bills with a low-interest flexible payment package.

Review

Being part of AIAFAM (AIA Insurance Agency Force Association Malaysia) has its benefits and privileges, whether you're a policyholder of AIAFAM life insurance or a member of theirs as an agent or employee. Read on to discover the perks you can get out of the strategic partnership of BSN with AIAFAM!

Bottomless Cash Back with BSN-AIAFAM Visa Platinum Credit Card

As straightforward as it sounds, uncapped cash back is what you get with the BSN-AIAFAM Visa Platinum credit card. 

Enjoy 0.8% cash back on your AIAFAM life insurance premium when you charge the premium to your credit card.

You can either choose to rake in the 0.8% cash back or opt to convert your premium payment into 12 monthly instalments with zero interest. 

If you are tight on cash but life insurance is something you would not compromise on, a zero-interest instalment plan will come in handy to ease your burden.

That's not all the cash back you are entitled to! Get 0.4% unlimited cash back on other retail transactions such as auto-billing, online purchases, magazine subscriptions and many more regardless of local or oversea transactions.

No Annual Fee

What's all the cash back you can get if you have to pay a humungous fee every year? 

With BSN-AIAFAM Visa Platinum credit card lifetime annual fee waiver, you can enjoy all the benefits down to every single bit for free!

Always remember to settle your dues every month to avoid paying for interest charges, otherwise, it defeats the purpose of the annual fee waiver.

What are the required documents to apply for this credit card?

Before you make your online application, you must be a Malaysian citizen aged 21 years old with a minimum annual income of RM32,000, and a member or policyholder of AIAFAM to be eligible.

Please prepare the following documents for an easier online credit card application.

Government Servant:

  • A copy of your IC (both sides)
  • Latest 1-month payslip OR
  • Employee Confirmation Letter (For Army and Police personnel, please attach a copy of the Authority Card)

Private Sector Employee:

  • A copy of your IC (both sides)
  • Latest 3 months payslip/latest EPF Statement/EA Form/BE Form

Self-Employed:

  • A copy of your IC (both sides)
  • Latest 6 months company's bank statement
  • Latest B Form with an official tax receipt for the latest two years
  • Copy of Form 9, 24, & 49 OR 
  • Copy of Business Registration Certificate

Commission Earner:

  • A copy of your IC (both sides)
  • Latest 6 months commission statement/Annual commission statement OR
  • EA Form/BE Form with an official tax receipt
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