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 a great rewards programme!

  • 8.88% p.a. management fee
  • 20 days interest-free period
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

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.
BSN Happy Rewards Programme
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your BSN Happy Rewards Programme earned expires in  3 years
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 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)
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% 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
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! A complimentary BSN Zing PLUSMiles Touch 'n Go card will also be yours which allows you to enjoy attractive toll rebate and discount at participating PLUSMiles merchant outlets.
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
Low finance interest charge of only 8.88% APR on your oustanding balance.
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
  • Free for life
Annual Fee for 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
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM10.00 or 5.00% of withdrawn amount, whichever is higher
Management Fee on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
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.


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 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 Easy Payment Plan ( EPP)

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!

Read More