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!

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


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
1 point on every RM1local retail spending
2 points on every RM1overseas retail spending


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 CoverageSum Insured
Travel InsuranceUp to RM300,000
Delayed FlightUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM1,000
Delayed LuggageUp to RM1,000

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 OverWith Interest Rate AtWhen You Transfer
3 months0.3% p.a. and no one-time upfront handling feefrom RM500
6 months0.3% p.a. and no one-time upfront handling feefrom RM1,000
9 months0.3% p.a. and no one-time upfront handling feefrom RM1,000
12 months0% p.a. and no one-time upfront handling feefrom RM1,000
24 months0% p.a. and no one-time upfront handling feefrom RM1,000
36 months0.38% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about BSN Balance Transfer Programme

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!

BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about BSN EasyPay
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
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods


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


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.


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.