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 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 and Inconvenience 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.

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 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 months3.99% p.a. and no 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

Choose from 6, 12, or 24 months of repayment tenure with an upfront handling fee of 3-5% p.a. for retail purchases with BSN Instalment-Pay. Or you can also opt for BSN EasyPay for any other participating merchant nationwide.

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

  • 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.

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.
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! 

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 BSN 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 whenever you charge your purchases to your card. 

Because 0.2% of all spending will be donated to YGMB, which benefits you as a member!

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

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

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 surely find something you like.

Extra Free Goodies for BSN 1 TeachersCard MasterCard Credit Card-i Cardholders 

That’s not the last of it! When your BSN 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 your flight tickets to your credit card to enjoy Takaful insurance 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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