BSN Classic MasterCard credit card

Also available as Visa

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

  • 13.5% p.a. management fee
  • 20 days interest-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

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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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Because you should be rewarded for giving the bank your business

Get 1 reward point for every ringgit you spend locally, or 2 reward points for overseas spend. Use these evergreen points to redeem all kinds of fantastic prizes such as household appliance, electronic gadgets, and even cash vouchers! Earn points that will never expire when you spend using your BSN Classic MasterCard!
BSN Happy Rewards Programme
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Rewards points earned never expires
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 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)
0% interest and no upfront handling fees for your purchases when you sign up for BSN EasyPay, only applicable for participating merchants. For purchases at non-participating merchants, you can repay them in monthly instalments of 6, 12 and 18 months with a one time upfront change between 3-5% of the item's value.
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
Airmiles and Free Travel Insurance (including compensation for delayed flights and lost luggage).
Travel CoverageSum Insured
Travel InsuranceUp to RM300000
Delayed FlightUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
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
RM10.60 or 5.30% of withdrawn amount, whichever is higher

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only


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 review

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

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.

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