BSN Classic Visa Credit Card-i

Save more with the BSN Classic Visa Credit Card-i. Enjoy no annual and low management fees, plus attractive credit facilities, perfect for beginners!

BSN Classic Visa Credit Card-iNever ending rewards
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Low Management Fee

Enjoy 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.

Balance Transfer

Excellent value BSN Balance Transfer offers low interest rates and flexible repayment terms between 6 to 48 months.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.99%one-time upfront handling feefrom RM500
12 months0% p.a. and 3.99%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

Convert your purchases with the BSN Instalment-Pay and enjoy low interest rates. No penalty fee for early payment!

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
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
Visa payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only

Features

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.

Review

Just because it’s a classic doesn’t mean you can’t get rewards and privileges too!

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 your principal and supplementary cards!

BSN Classic Visa Credit Card-i Offers Low Management Fees

Other credit cards will charge you management fees of up to 18% per annum on your credit balance. 

However, 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.

Enjoy these low management fees by paying your credit card bills regularly and meeting your minimum monthly payments.

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 cardholder is 18 years old and above.

What are the eligibility requirements and the needed documents to apply?

Any Malaysians aged a minimum of 21 years old with an annual income of at least RM24,000 are eligible to apply for this classic credit card.

For a hassle-free credit card online application, please prepare the following documents.

Government Servant:

  • A copy of your IC (both sides)
  • Latest 1 month's 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)
  • 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 last 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
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