BSN Classic Visa Credit Card-i
Save more with the BSN Classic Visa Credit Card-i. Enjoy great rewards, no annual fees, and free Takaful travel insurance!

Product summary
- 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
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!
Earn | Spend |
---|---|
1 point on every RM1 | local retail spending |
2 points on every RM1 | overseas retail spending |
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..
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 |
---|---|---|
6 months | 0% p.a. and no one-time upfront handling fee | from RM500 |
12 months | 4.5% p.a. and no one-time upfront handling fee | from RM500 |
24 months | 4.5% p.a. and no one-time upfront handling fee | from RM1,000 |
36 months | 4.88% p.a. and no one-time upfront handling fee | from RM2,000 |
48 months | 6.5% p.a. and no one-time upfront handling fee | from RM3,000 |
Easy Payment Plans
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 |
---|---|---|
6 months | 0% p.a. and no one-time upfront handling fee | RM500 |
36 months | 0% p.a. and no one-time upfront handling fee | RM500 |
Pay Over | With Interest Rate At | When You Spend |
---|---|---|
6 months | 3% one-time upfront handling fee | RM500 |
12 months | 4% one-time upfront handling fee | RM1,000 |
24 months | 5% one-time upfront handling fee | RM2,000 |
Fees & Charges
- Annual Fee
- RM0 primary card
Free for life
- RM0 supplementary card
- RM0 primary 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 years old primary card
- 18 years old supplementary card
- Who can apply
- Malaysians Only
Features
- 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.