BSN 1 TeachersCard MasterCard Credit Card-i

Worry not about paying annual fees again, with your BSN 1 TeachersCard MasterCard you get rewards, free insurance, EPP, and more as an educator!

8.88% p.a. management fee
20 days penalty-free period
0% p.a. balance transfer over 24 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 2x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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Benefits

Because you should be rewarded for giving the bank your business

Rewards

Earn 1x Reward Points for every Ringgit that you spend on local purchases. Spend abroad, and the points are doubled! Reward points can be exchanged for wide a range of exciting gifts and prizes with myBSN Reward Point Catalogue.

BSN Happy Rewards Programme
Earn	Spent
1 point on every RM1	on all local purchases
2 points on every RM1	on all overseas purchases

Your BSN Happy Rewards Programme earned expires in 3 years

Balance Transfer

BSN Balance Transfer offers tenures between 3 and 36 months at special low interest rates. Pay 0% interest on half your repayments for 12 and 24 month tenures.

Pay Over	With Interest Rate At	When You Transfer
3 months	3.6% p.a. and no one-time upfront handling fee	from RM500
6 months	3.6% p.a. and no one-time upfront handling fee	from RM1000
9 months	3.6% p.a. and no one-time upfront handling fee	from RM1000
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000
36 months	4.5% p.a. and no one-time upfront handling fee	from RM2000

Learn more about BSN Balance Transfer Programme

Easy Payment Plan (EPP)

Choose up to 36 months for retail purchases and repay them in monthly installments and zero interest rates with BSN EasyPay Plan when you shop at participating BSN merchants. For purchases at non-participating merchants, you can get them with BSN Instalment-Pay. Choose repayments tenures of 6, 12 or 24 months with an upfront handling fee of 3-5%.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Learn more about BSN EasyPay

Pay Over	With Interest Rate At	When You Spend
6 months	3% one-time upfront handling fee	from RM500
12 months	4% one-time upfront handling fee	from RM1000
24 months	5% one-time upfront handling fee	from RM2000

Learn more about BSN Instalment-Pay

Travel

Free Travel Accident & Inconvenience Coverage! Charge your travel fare in full to your 1 TeachersCard Credit Card-i and automatically get takaful coverage of up to RM500,000.

Travel Coverage	Sum Insured
Travel Insurance	Up to RM500000
Delayed Flight	Up to RM600
Missed Flight	Up to RM600
Lost Luggage	Up to RM1600
Delayed Luggage	Up to RM1600

Low Management Fee: Excellent interest rates of 8.88% p.a. on your credit balance when you pay your bill on time.

Premium: Waiver of Yayasan Guru Malaysia Berhad (YGMB) Membership registration fee. BSN will also contribute 0.2% of your card spending to YGMB for the benefit of its members - you!

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life

Annual Fee for Supplementary Card

RM0

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

Minimum monthly payment

RM50 or 5% of outstanding amount

Late payment fee

RM10 or 1% of outstanding amount, up to a maximum of RM75

Cash withdrawal fee

RM12.75 or 2.69% of withdrawn amount, whichever is higher

Management Fee on Cash Withdrawals

18%

Requirements

Are you eligible for this credit card?

Minimum annual income: RM24000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Teachers, lecturers, and employees working with Ministry of Education or approved institutions of higher education.

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: BSN EasyPay; BSN Instalment-Pay; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Cash Advance / Cash Loan: BSN EasyCash; Cash Advance is a loan against the credit limit of your card at a reasonable rate.

Balance Transfer: BSN Balance Transfer Programme; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

BSN 1 TeachersCard MasterCard Credit Card-i review

What's so good (or not so good) about it?

It’s a Shariah compliant credit card designed especially for you, whether you are a teacher, lecturer or an employee with the Ministry of Education. 1 TeachersCard MasterCard Credit Card-i gives you rewards and more, because your service as an educator is valued!

Made for Malaysia's True Heroes

This low interest BSN credit card is made especially for teachers and employees of the Ministry of Education, lecturers at approved private or public universities, and teachers in MARA Junior Science College (MRSM).

Special features

Regular credit cards charge as much as 18% interest p.a. on your outstanding balance. But 1 TeachersCard MasterCard Credit Card-i gives you rates of 8.88% p.a. on your credit debts. As long as you settle all your minimum payments promptly before their due date, you’ll always be able to enjoy this special low interest rate.

With your 1 TeachersCard, you don't have to pay for your annual fees because they are completely free for life! Plus you won’t have to swipe a required number of times or spend a minimum amount each year to enjoy this special waiver.

Free Enrolment into YGMB

With your 1 TeachersCard MasterCard Credit Card-i, you won’t have to pay the RM10 membership fees for your Yayasan Guru Malaysia Berhad membership. You’ll also actively contribute every time you charge your purchases to your card. Because 0.2% of all spending will be donated to YGMB, which benefits you as a member!

Rewards

You’ll earn Reward Points every time you spend with your 1 TeachersCard by BSN. Collect these points and redeem them for exciting gifts with BSN’s Happy Rewards Programme. From the latest electronic gadgets, home and kitchen appliances and vouchers, you’ll be sure to find something that you like.

Extra Free Goodies

That’s not the last of it! When your 1 TeachersCard MasterCard Credit Card-i is approved, you’ll also be given a free Zing PLUSMiles Card. You will also be eligible for free Takaful travel insurance and inconvenient benefits. So remember to charge you flight tickets to your credit card to enjoy Takaful insurance of up to RM500,000.