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

Benefits
Fees & Charges
Requirements
Features
Review
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2016-12-192018-12-31

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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
Earn	Spent
1 point on every RM1	local retail spending
2 points on every RM1	overseas 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 Over	With Interest Rate At	When You Transfer
3 months	3.6% p.a. and no one-time upfront handling fee	from RM500
6 months	3.6% p.a. and no one-time upfront handling fee	from RM1000
9 months	3.6% p.a. and no one-time upfront handling fee	from RM1000
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000
36 months	4.5% p.a. and no one-time upfront handling fee	from 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 the Instalment-Pay plan and pay an upfront fee of 3-5%.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Learn more about BSN EasyPay

Pay Over	With Interest Rate At	When You Spend
6 months	3% one-time upfront handling fee	from RM500
12 months	4% one-time upfront handling fee	from RM1000
24 months	5% one-time upfront handling fee	from 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 Coverage	Sum Insured
Travel Insurance	Up to RM500000
Delayed Flight	Up to RM600
Missed Flight	Up to RM600
Lost Luggage	Up to RM1600
Delayed Luggage	Up 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

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

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

Management Fee on Cash Withdrawals

18%

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 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 RM1,600.

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: