Lowest Interest Rate
Lowest interest rates!
As mentioned, this BSN classic credit gives low interest rates of 13.5% on your credit balance, specially tailored for private sector employees. For government employees, you'll enjoy 11% p.a.
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 the 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.
Just repay what you owe in monthly instalments! Maybe it’s a balance transfer that you’re looking for.
Am I eligible and what are the required documents?
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 Employee:
- 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
Self-Employed:
- A copy of your IC (both sides);
- Latest 6 months' company bank statement; AND
- 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 an official tax receipt
