BSN Classic Visa Credit Card-i

Save more with the BSN Classic Visa-i. This Shariah-compliant credit card gives you great rewards, no annual fees, and free Takaful travel insurance!

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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Apply online now for BSN Classic Visa Credit Card-i

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

Every swipe on this card earns you rewards! Each Ringgit that you spend gets you 1 Happy Reward Point for local retail purchases, double up on the rewards when shopping overseas with 2x Reward Points for every RM1!

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 credit card outstanding balance with BSN Balance Transfer Programme to enjoy interest rate as low as 0% percent per annum on half of your payments.

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)

Stretch your spending with Bank Simpanan Nasional's easy payment plans ( EPP)! BSN EasyPay Plan gives you 0% interest on your monthly instalments when you shop at participating merchants. Just pay a small upfront handling fee of 3-5% with BSN Instalment-Pay if you find something that you like from a non-participating merchant!

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

More ways to fly! Redeem extra Enrich Miles with rewards points, and charge your flight tickets to your credit card to get complimentary Takaful travel insurance and travel inconvenience coverage.

Travel Coverage	Sum Insured
Travel Insurance	Up to RM300000
Delayed Flight	Up to RM600
Missed Flight	Up to RM600
Lost Luggage	Up to RM1600
Delayed Luggage	Up to RM1600

Low Management Fee: Credit card management fees from 17.5% to as low as 13.5% p.a. for private sector employees. Government employees can enjoy special rates as low as 11% p.a..

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%

Contact-less Payment Methods

payWave

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 Visa Credit Card-i review

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

Just because it’s a classic doesn’t mean you can’t get rewards and privileges too! This Classic Visa card is a Shariah compliant credit card from Bank Simpanan Nasional Al Aiman that gives you rewards and privileges when you spend. Plus you’ll also get some savings too!

Great Rewards Programme

Every swipe of your BSN Classic Visa Credit-Card-i on your shopping in Malaysia earns you 1 point for every Ringgit you spend. Double these points when you swipe for overseas, that’s 2 Reward Points for every RM 1.

Keep accumulating these Happy Rewards and pick a cool gift for you and your family from the BSN Happy Rewards Programme Catalogue.

No Annual Fee

Why pay to use a credit card? Here's the great news - BSN has now scrapped the annual fee for the BSN Classic Visa Credit Card-i. Enjoy zero annual fees for both of your principal and supplementary cards!

Low Management Fees

Other credit cards will charge you management fees of up to 18% per annum on your credit balance. BSN Classic Visa Credit-Card-i offers lower rates between 13.5 to 17.5%. These rates can go even lower to 11% p.a. if you're an employee from the Government sector.

To enjoy these low management fees you’ll have to pay your credit card bills regularly, and meet your minimum monthly payments.

Free Travel Insurance & Inconvenience Benefits

Looking to travel with peace of mind? Let Get free travel insurance coverage of up to RM300,000 when you charge your travel fares in full to your Bank Simpanan Nasional credit card – this complementary coverage is rewarded automatically!

You’ll also get travel inconvenience coverage of up to RM1600 for lost luggage, luggage delays, flight delays and flight misconnection.

Supplementary Cards

Share the benefits of your BSN Classic Visa Credit-Card-i with the rest of the family. You can get up to 5 supplementary cards, as long as the supplementary card holder is aged 18 and above.