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!

BSN 1 TeachersCard MasterCardNo Annual Fees!
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
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses

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! 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 RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM1,600

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.

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% 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

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.

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 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%

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

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!