BSN Classic Visa Credit Card-i credit card

Also available as MasterCard

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 

Get a Free Xiaomi Mi Band 2 with Your New BSN Credit Card

- No Annual Fee - Free Travel Insurance - Free BSN Zing Card

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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
EarnSpent
1 point on every RM1local retail spending
2 points on every RM1overseas 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 OverWith Interest Rate AtWhen You Transfer
3 months3.6% p.a. and no one-time upfront handling feefrom RM500 
6 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
9 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months4.5% p.a. and no one-time upfront handling feefrom 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 OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom 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 CoverageSum Insured
Travel InsuranceUp to RM300000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1600
Delayed LuggageUp 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.

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