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!

Annual fee waiver!

BSN Classic MasterCard Credit Card-i
Min. Income
RM2,000/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

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 RM1,000
9 months3.6% 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 months4.5% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about BSN Balance Transfer Programme

Easy Payment Plans

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 the Instalment-Pay plan and pay an upfront fee of 3-5%.

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

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
EarnSpend
1 point on every RM1local retail spending
2 points on every RM1overseas retail spending

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.

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%!

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 RM300,000
Travel InsuranceUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

Fees & Charges

Annual Fee
  • RM0 primary card
  • RM0 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, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
RM -

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only

Review

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 a 0% charge on interest. This Islamic credit card by Bank Simpanan Nasional also comes with benefits and privileges, all exclusively for you!

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 RM300,000 automatically. This complementary travel insurance also includes travel inconvenience coverage for flights delays, missed connections, loss of luggage and luggage delay up to a maximum of RM1,000. 

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 from repayment tenures of 3 to 36 months, interest free!

For non-participating merchants your monthly instalments are free of interest too; but with 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.