BSN Classic MasterCard

Whether its 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 appliance, electronic gadgets, and even cash vouchers!

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


Airmiles and Free Travel Insurance (including compensation for delayed flights and lost luggage).

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

Low Management Fee

Enjoy 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 half your monthly repayments when you get a 12 or 24-month balance transfer tenure. Or choose between other tenures from 3 to 36 months for interest charges as low as 0.3% per month.

Pay OverWith Interest Rate AtWhen You Transfer
3 months0.3% p.a. and no one-time upfront handling feefrom RM500
6 months0.3% p.a. and no one-time upfront handling feefrom RM1,000
9 months0.3% 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 months0.38% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about BSN Balance Transfer Programme

Easy Payment Plans

0% interest and no upfront handling fees for your purchases when you shop at participating merchants with the BSN EasyPay. For all other purchases, you have the option of the BSN Installment-Pay Plan where you can choose tenures of 6, 12 and 18 months with a one time upfront fee between 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

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 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
RM10 or 5% of withdrawn amount, whichever is higher
Daily Maximum Cash Withdrawal
Up to 75%


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


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.


A classic card with the lowest interest rates in the market – that’s what you get when you decide to build up your line of credit with the BSN Classic MasterCard!

Rewards Rewards! 

We promised you more. This 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 traveling 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 Catologue 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 which you can’t afford, you can still get it with BSN Easy Pay. This easy payment plan (EPP) 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. Whether you’re trying to consolidate your debt or looking a better repayment rate, Bank Simpanan Nasional offers special 0% interest rates on balance transfers with tenures of 1 and 2 years. You’ll be on your way to many savings with this special BSN Balance Transfer plan.

Travel Benefits 

The rewards and rates were so exciting that we almost forgot to mention, with your BSN Classic MasterCard you also get flyer miles and free travel insurance. This includes coverage for delayed flights and lost luggage.