BSN Classic MasterCard

Whether it is shopping, dining, or travel, there's no better way to start enjoying the perks and privileges of life than a classic credit card from BSN.

BSN Classic MasterCardLowest Interest Rate
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
20 days


Get 1 reward point for every Ringgit you spend locally, and double the rewards when you spend overseas. Use these evergreen points to redeem all kinds of fantastic prizes such as household appliances, electronic gadgets, and even cash vouchers!

BSN Happy Rewards Programme
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses

Low Management Fee

Enjoy the lowest finance charges of 11% p.a. interest rate for government servants and 13.5% p.a. for private sector servants when you settle your minimum payment promptly.

Balance Transfer

0% interest on your monthly repayment when you get a 6-months balance transfer tenure. Or choose between other tenures from 12 to 48 months for interest charges as low as 4.5% per month.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.99%one-time upfront handling feefrom RM500
12 months3.99% p.a. and no 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

For all other purchases, you have the option of the BSN Installment-Pay Plan where you can choose tenures of 6, 12 and 24 months with a one-time upfront fee between 3-5%.

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RM10 or 5% of withdrawn amount, whichever is higher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
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
MasterCard PayPass


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


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.
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 card to BSN. Consolidate your credit card bills with a low-interest flexible payment package.


BSN Classic MasterCard — rewards, rewards, rewards! 

We promised you more. BSN Classic MasterCard gives you rewards whenever and wherever you spend on retail shopping and charge it to your credit card. 

You’ll get 1x Reward Point for every RM1 that you spend locally. Swipe when you’re travelling overseas and you’ll get 2x Reward Points instead!

Collect these points for as long as you like, because they’ll never expire. 

You can later redeem them for exciting gifts, anything your fancy – whether it is gift vouchers, GST rebates, gadgets, home appliances or travel miles – because BSN’s Reward Point Catalogue has whatever you are looking for!

Lowest interest rates

As mentioned, this BSN classic credit gives low-interest rates of 13.5% on your credit balance. 

What’s more, you’ll also be guaranteed a 20-day interest-free period on all purchases.

It’s not just low-interest rates on your outstanding credit. If you’re looking to make a purchase that you can’t afford, you can still get it with BSN Instalment-Pay Plan. 

This payment plan by Bank Simpanan Nasional offers payment terms of 6, 12 and 24 months on retail purchases at low-interest rates between 3%-5%. 

Just repay what you owe in monthly instalments! Maybe it’s a balance transfer that you’re looking for. 

Get a Free BSN Zing PLUSMiles Card with BSN Classic MasterCard 

Save more money on toll and public transportation with the BSN Zing PLUSMiles card!

You can get this Touch 'n Go card for free when signing up for BSN Classic MasterCard. Even better, the card is linked to your BSN credit card with an auto-reload feature.

You may link up to 5 Zing PLUSMiles Card to your BSN Classic credit card, therefore, your family will never have to worry about topping up their cards.

Am I eligible and what are the required documents to apply for BSN Classic MasterCard?

Any Malaysians aged 21 years old and above are eligible to apply for this card. You also must earn at least RM24,000 annually as the eligibility criteria.

Please prepare the following documents to make an application online.

Government Servant:

  • A copy of your IC (both sides);
  • Latest 1-month payslip; OR 
  • Employee Confirmation Letter (For Army and Police personnel, please attach a copy of the Authority Card)

Private Sector Employee:

  • A copy of your IC (both sides); AND
  • Latest 3 months payslip/latest EPF Statement/EA Form/BE Form


  • A copy of your IC (both sides);
  • Latest 6 months company's bank statement;
  • Latest B Form with an official tax receipt for the latest two years;
  • Copy of Form 9, 24, & 49; OR 
  • Copy of Business Registration Certificate

Commission Earner:

  • A copy of your IC (both sides);
  • Latest 6 months commission statement/Annual commission statement; OR
  • EA Form/BE Form with official tax receipt
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