BSN Al-Aiman Gold Credit Card

Annual fee waivers for life? Free Takaful travel and inconvenience benefits? You will get great rewards and better savings with BSN Al-Aiman Gold Credit Card!

BSN Al-Aiman Gold Credit CardZERO Annual Fee!
Min. Income
RM3,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Hear from our users

Find out how Malaysians start making smart financial decisions with us
VIEW MORE >

Rewards

Collect points on local and overseas transactions to redeem exciting gifts, vouchers and even Enrich Miles or AirAsia Points with the BSN Happy Rewards Programme! You'll get 1x Happy Points for every RM1 you spend locally and double when you swipe abroad!

BSN Happy Points
EarnSpend
2 points on every RM1overseas retail spending
1 point on every RM1local retail spending

Travel

Travel perks coming your way! Swap rewards points for Enrich Miles or get complimentary Takaful travel worth up to RM100,000, including inconvenience benefits when you charge your airfare in full to your BSN credit card.

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

Management fees are as low as 13.5% p.a. for private sector employees. If you're a civil servant, take full advantage of the special 11% rate.

Balance Transfer

Get more savings with BSN Balance Transfer Programme - you'll pay 0% interest for your repayments when you choose 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 months0% p.a. and 3.99% 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

Convert your purchases into affordable monthly instalments with repayment tenures of 6, 12 and 24 months.

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
1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only

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.
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

Credit Card » BSN
✕
Apply Now

Answer a few questions with our chatbot

PDPA

We protect your personal information in compliance with the PDPA

We respect your privacy and we are committed to handle your personal information safely and responsibly
✕
Search Icon