BSN 1 TeachersCard MasterCard Credit Card-i

Don't worry about paying annual fees again as your BSN 1 TeachersCard MasterCard Credit Card-i gets you rewards, free travel Takaful, flexible EPP, and more as an educator!

BSN 1 TeachersCard MasterCard Credit Card-iNo Annual Fee For Life!
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
8.88% p.a.
Interest-free
20 days

Rewards

Earn 1x Happy Points for every Ringgit that you spend on local retail purchases. Spend abroad, and the points are doubled! The accumulated Happy Points can be exchanged for a wide range of gifts, prizes, vouchers and even Enrich Miles or AirAsia Points with myBSN Reward Point Catalogue.

BSN Happy Points
EarnSpend
2 points on every RM1on overseas retail purchases
1 point on every RM1on local retail purchases

Travel

Enjoy complimentary Travel Accident and Inconvenience Takaful coverage! Charge your travel fare in full to your 1 TeachersCard Credit Card-i and automatically get takaful coverage of up to RM100,000.

Travel CoverageSum Insured
Travel InsuranceUp to RM100,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM1,600

Low Management Fee

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

Balance Transfer

BSN Balance Transfer offers tenures between 6 and 48 months at special low-interest rates. Pay 0% interest on your repayments with the 6 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

Convert your purchases with the BSN Instalment-Pay and enjoy low interest rates. No penalty fee for early payment!

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

  • RM0 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
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Teachers, lecturers, and employees working with Ministry of Education or approved institutions of higher education, including teachers of MRSM

Features

Easy Payment Plan
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.
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

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. 

BSN 1 TeachersCard MasterCard Credit Card-i rewards you because your service as an educator is valued!

BSN 1 TeachersCard MasterCard Credit Card-i - Made for Malaysia's True Heroes

BSN 1 TeachersCard MasterCard Credit Card-i 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 BSN 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 BSN Teachers card, you don't have to pay for your annual fees because they are completely free for life!

Earn Happy Points with BSN 1 TeachersCard MasterCard Credit Card-i 

You’ll earn Happy Points every time you spend with this teacher's credit card. 

Collect these points and redeem them for exciting gifts and even Enrich Miles or AirAsia Points with BSN’s Happy Rewards Programme. 

From the latest electronic gadgets, home and kitchen appliances and vouchers, you’ll surely find something you like.

Complimentary travel Takaful 

That’s not the last of it! When your BSN 1 TeachersCard MasterCard Credit Card-i is approved, you’ll also be eligible for free Takaful travel coverage and inconvenient benefits. 

So remember to charge your flight tickets to your credit card to enjoy Takaful coverage of up to RM100,000.

What are the required documents to make an application online?

Any Malaysians aged a minimum of 21 years with the below job titles and earning at least RM24,000 annually are eligible to make an application.

Please prepare the following documents for a hassle-free application process.

Teachers, Staff of MOE & Lecturers from Public Institutions of Higher Learning:

  • A copy of your IC (both sides)
  • Latest 1 month's salary slip

Lecturers from Private Institutions of Higher Learning:

  • A copy of your IC (both sides)
  • Latest 2-month salary slip OR 
  • Latest EPF statement OR 
  • Form EA/Form B with official tax payment receipt
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