BSN 1 TeachersCard MasterCard Credit Card-i credit card

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 

Apply online now for BSN 1 TeachersCard MasterCard Credit Card-i

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Enjoy as low as 0% a month with the BSN Balance Transfer Programme

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Minimum RM300 for 5 months, RM1000 for 6 to 24 months, or RM2000 for 36 months
You can transfer from up to 3 different credit cards
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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
EarnSpent
1 point on every RM1on all local purchases
2 points on every RM1on 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 OverWith Interest Rate AtWhen You Transfer
3 months3.6% p.a. and no one-time upfront handling feefrom RM500 
6 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
9 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months4.5% p.a. and no one-time upfront handling feefrom 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 OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom 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 CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1600
Delayed LuggageUp 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
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
RM53.00

*inclusive of 6% GST

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.

A 6% GST charge is usually applied to your annual fees. But you won’t be paying any GST with your 1 TeachersCard, because your annual fees 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.

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