BSN 1 TeachersCard MasterCard

BSN 1 TeachersCard MasterCard, is designed for educators all over Malaysia. Take advantage of zero annual fees, low-interest rates, and great rewards!

BSN 1 TeachersCard MasterCardTailored for educators
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

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
EarnSpend
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses

Travel

Free Travel Insurance of up to RM100,000, 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 rebates and discounts at participating PLUSMiles merchant outlets.

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

A low finance interest charge of only 8.88% APR on your outstanding balance.

Premium

Yayasan Guru Malaysia Berhad (YGMB) Membership Registration Fee Waiver (for non-members), 0.2% of your spending will be donated to YGMB.

Balance Transfer

BSN Balance Transfer offers interest rates from 4.5% per month and payment terms of up to 48 months. 0% interest-free rates for the 6-months of tenure are applicable for your monthly repayments as well.

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

BSN Instalment-Pay offers payment 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.

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
RM10 or 5% 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 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 card to BSN. Consolidate your credit card bills with a low-interest flexible payment package.

Review

BSN 1 TeachersCard MasterCard, rewards for teachers

Get rewarded for your service to Malaysian education with BSN 1 TeachersCard MasterCard!

You’ll earn reward points whenever you make purchases using this BSN credit card. 

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 with BSN Credit Card

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 to 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 your monthly repayments for 6-month tenure!

Zero Interest Instalment-Pay Plan

Planning to make a purchase you can’t afford? Monthly instalment plans are seldom worth your while. 

BSN Instalment-Pay on the other hand offers a 0% management fee with a one-time upfront fee on purchases of at least RM500 from selected BSN merchants. 

Pay back what you owe in monthly instalments over 6, 12 or 24 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 with BSN 1 TeachersCard MasterCard

This BSN credit card also comes with a free membership to Yayasan Guru Malaysia Berhad. 

You’ll contribute 0.2% of your retail spend every time you swipe with your BSN 1 TeachersCard MasterCard!

What are the eligibility criteria and the required documents to make an online application?

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

For a smoother application journey, please prepare the following documents.

Teachers, Staff of MOE & Lecturers from Public Institution 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 an official tax payment receipt
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