BSN 1 TeachersCard MasterCard credit card

BSN 1 TeachersCard MasterCard

A card designed for teachers and educators all over Malaysia. Take advantage of zero annual fees, low interest rates, and great rewards programme!

  • 8.88% management fee
  • 20 days interest-free period
  • 0% balance transfer over 24 months
  • Flexi Pay
  • RM0 annual fee
  • Earn up to 2 reward points 

BSN Credit Cards

Get rewarded! When you apply for a BSN Credit Card/-i and transfer your balance

Apply online now for BSN 1 TeachersCard MasterCard

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

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Leave it if you are not interested in BSN Balance Transfer
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
For every Ringgit you charge to your card, you will get one reward point. Any spending done abroad will award you two reward points. Reward points can be exchanged for a range of exciting gifts and prizes. Earn points that will never expire when you spend using your 1 TeachersCard!
BSN Happy Rewards Programme
EarnSpent
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Rewards points earned never expires
Balance Transfer
BSN Balance Transfer offers interest rates from 0.3% per month and payment terms of up to 36 months. 0% interest-free rates for 12 and 24-month tenures only applicable for the first half of your monthly repayments.
Pay OverWith Interest Rate AtWhen You Transfer
3 months0.3% and no upfront handling feefrom RM500 
6 months0.3% and no upfront handling feefrom RM1000 
9 months0.3% and no upfront handling feefrom RM1000 
12 months0% first 6 months (0.3% for remaining months) and no upfront handling feefrom RM1000 
24 months0% first 12 months (0.375% for remaining months) and no upfront handling feefrom RM1000 
36 months0.375% and no upfront handling feefrom RM2000 
Learn more about BSN Balance Transfer Programme
Flexi Pay
Enjoy 0% interest and flexible repayment periods from 3 to 36 months on your purchases with BSN EasyPay, only applicable for items above RM500 which are purchased at participating outlets. BSN Instalment-Pay offers payments terms of 6, 12 and 24 months on any retail purchases with a one time charge of 3% to 5% of the item's value.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% and no upfront handling feefrom RM500 
36 months0% and no upfront handling feefrom RM500 
Learn more about BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months0% and upfront handling fee of 3%from RM500 
12 months0% and upfront handling fee of 4%from RM1000 
24 months0% and upfront handling fee of 5%from RM2000 
Learn more about BSN Instalment-Pay
Travel
Free Travel Insurance of up to RM500,000, including compensation for delayed flights and lost luggage. Just charge your flight tickets to your new BSN credit card!
Low Management Fee
Low finance interest charge of only 8.88% APR on your oustanding balance.
Premium
Yayasan Guru Malaysia Berhad (YGMB) Membership Registration Fee Waiver (for non-members), 0.2% of your spending will be donated to YGMB.

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

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

Flexi Pay
BSN EasyPay
BSN Instalment-Pay
Flexi Pay plans are great for large purchases that you want to pay off over a period of time.
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 review

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

Even teachers need a break every so often! Get rewarded for your service to Malaysian education with BSN 1 TeachersCard MasterCard. It’s a credit card by Bank Simpanan Nasional designed especially for educators and employees of the Ministry of Education, lecturers at approved private or public universities, and teachers in MARA Junior Science College.

Rewards Just For You

You’ll earn reward points whenever you make purchases using your BSN 1 TeachersCard MasterCard. What should you do with these Rewards Points? Collect and redeem exciting gifts from BSN Happy Rewards Programme – vouchers, gadgets, home appliances, kitchenware and more!

You’ll earn 1 Reward Point for every Ringgit that you spend on local retail purchases, while overseas purchases will give you double the reward points - these Reward Points never expire! Just remember to check the exchange rates for overseas transactions before you swipe. 

Great Savings!

BSN 1 TeachersCard MasterCard also gives you more ways to save. You won’t have to pay any annual credit card fees because these charges are waived for life! The same applies for supplementary cards if you’re looking to get one for a family member.

If you’ve raked up some debt on other credit cards that you own, you can get some relief through Bank Simpanan Nasional’s balance transfer programme. Pay 0% interest for the first half of your monthly repayments for 12-month and 24-month tenures!

Zero Interest Flexi Pay Plan

Planning to make a purchase you can’t afford? Monthly instalment plans are seldom worth your while. BSN EasyPay on the other hand offers 0% interest on purchases of at least RM500 from select BSN merchants. Pay back what you owe in monthly instalments over 3 or 36 months!

Low Interest Fees

Just in case you have the habit of overspending on your credit card each month, BSN gives you the lowest credit card interest rate of 8.88%. Pay your credit card bills on time to enjoy this special rate – for teachers only! 

Free YGMB Membership

This credit card also comes with free membership to Yayasan Guru Malaysia Berhad. You’ll contribute 0.2% of your retail spend every time you swipe with your 1 TeachersCard MasterCard!