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!

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 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
EarnSpend
1 point on every RM1on all local purchases
2 points on every RM1on all overseas purchases

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 RM500,000
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.

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!

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 months0.3% p.a. and no one-time upfront handling feefrom RM500
6 months0.3% p.a. and no one-time upfront handling feefrom RM1,000
9 months0.3% p.a. and no one-time upfront handling feefrom RM1,000
12 months0% p.a. and no one-time upfront handling feefrom RM1,000
24 months0% p.a. and no one-time upfront handling feefrom RM1,000
36 months0.38% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about BSN Balance Transfer Programme

Easy Payment Plans

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%.

BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
3 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

  • RM0 supplementary card
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, 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%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  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.

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 cards 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. 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.