BSN Classic MasterCard Credit Card-i credit card

Also available as Visa

BSN Classic MasterCard Credit Card-i

Safety first! Get complimentary Takaful travel insurance, great savings and annual fee waivers with the BSN Classic MasterCard-i!

  • 13.5% p.a. management fee
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for BSN Classic MasterCard Credit Card-i

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

Don’t want low interest rates? Skip these questions if you just want a BSN card!
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
Earn 1 Happy Rewards points when you spend on local retail and double the points with overseas retail transactions. Collect and redeem some awesome gifts with your points!
BSN Happy Rewards Programme
EarnSpent
1 point on every RM1local retail spending
2 points on every RM1overseas retail spending
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Transfer your outstanding credit card balances from other banks with BSN Balance Transfer Programme and enjoy low interest rates! 0% interest on the first half of your repayments for 12 and 24 month tenures.
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)
Shop at BSN participating merchants and enjoy 0% interest on your monthly instalments with EasyPay Plan. For items bought from non-participating merchants you can opt for Instalment-Pay and pay an upfront fee of 3-5%.
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
Travel
Swipe your tickets with your BSN Classic Credit Card-i and get travel inconvenience benefits and free Takaful travel coverage of up to RM300,000.
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
Lower credit card interest rates ranging from 13.5% to 17.5% p.a., if you're a government employee, you can enjoy rates as low as 11%!

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
Cash withdrawal fee
RM53.00

*inclusive of 6% GST

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
Malaysians Only

Features

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 Classic MasterCard Credit Card-i review

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

Explore and enjoy convenient ways to save with your BSN Classic MasterCard Credit Card-i – from annual fee waivers to balance transfers and easy payment plans ( EPP) with 0% charges on interest. This Islamic credit card by Bank Simpanan Nasional also comes with select benefits and privileges, all offered to you for free!

Great Rewards Programme

Get rewards when you spend! You’ll earn 1x Rewards Point on local retail spending and 2x Rewards Points on overseas retail spending for every Ringgit that you swipe to your BSN Classic MasterCard Credit Card-i.

Accumulate those Happy Rewards to redeem the gifts that you want! You can also collect points quicker with a supplementary card, when you sign up a family member for one. 

No Annual Fee

BSN knows that credit cards with annual fees might scare some people away, that's why they're getting rif of annual fees altogether! Enjoy annual fees waivers for life with your new BSN credit card.

Complementary Travel Insurance

Charge your travel tickets to your BSN Classic MasterCard-i in full and you’ll be covered with free travel insurance of up to RM300000 automatically. This complementary travel insurance also includes travel inconvenience coverage for flights delays, flight misconnections, luggage lost and luggage delay up to a maximum of RM1600. 

Low Interest Instalment Plan

Bring home the branded goods and jewelry from participating merchants with BSN’s 0% EasyPay Plan. This easy payment plan ( EPP) by Bank Simpanan Nasional allows you to repay what you owe in monthly instalments between 3 to 36 months, totally interest free!

For non-participating merchants your monthly instalments are free of interest too; but you’ll have to pay a one-time upfront fee as low as 3% p.a.. The minimum purchase will depend on the instalment period, where RM500 is required for the transaction at the very least. 

0% Balance Transfer

Save money on your credit card balance when you transfer it to your BSN Classic MasterCard Credit Card-i. BSN Balance Transfer plan offers a 0% interest for the first half of 12 month and 24 month tenures!
For example, if you're interested in the 24 months plan – 0% interests applies for the first 12 months and 0.375% for the subsequent months. The minimum transfer amount will vary depending on the tenure:

  • The minimum amount is RM500 for 3 months balance transfer.
  • The minimum amount is RM1000 for 6, 9, 12 and 24 months balance transfer.
  • The minimum amount is RM2000 for 36 months balance transfer.

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