BSN Classic Visa

From low interest fees to free travel insurance coverage to zero interest instalment plans, there's a lot that this card has to offer!

BSN Classic VisaSpecial low rates.
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 RM1 spent on this card earns you 1 Happy Rewards point and twice that when you spend overseas. These evergreen points can be used to redeem yourself a gift, from kitchenware, travel gear, vouchers, to gifts for the kids.

BSN Happy Rewards Programme
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses


Travel safe! Get automatic insurance coverage of up to RM300,000 when you charge your full travel expenses to your BSN Classic credit card. Stop worrying about lost luggage or delayed flights.

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

Below market interest rates! Enjoy 11% p.a. for government servants and 13.5%p.a. for private sector servants when you settle your minimum credit card bill payment on-time each month!


Free Touch ‘n Go auto-reload card linked to your BSN Classic Visa. Enjoy fantastic toll rebates, discounts all year round, and a never ending Touch 'n Go balance!

Balance Transfer

Excellent value BSN Balance Transfer offers interest rates from 0.3% per month and repayment terms between 3 to 36 months. Pay 0% interest on half your monthly repayments for 12 and 24-month tenures.

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

BSN EasyPay offers 0% interest and repayments terms from 3 to 36 months at participating merchants. For shopping at non-participating outlets convert your purchases with the BSN Instalment-Pay, where you have a one-time interest charge from 3-5% applied. No penalty fee for early payment.

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 approval 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
RM10 or 5% of withdrawn amount, whichever is higher
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.


It’s a classic credit card by Bank Simpanan Nasional that gives you reward points when you spend. You’ll also get low interest on your outstanding credit balance, as well as special rates on balance transfer and easy instalment plans.

Rewards For You

There’s nothing like a getting little extra when you spend. With BSN Classic Visa you’ll get 1x Reward Points for every Ringgit that you spend on local retail purchases. Shop overseas and you’ll get double the rewards!

Collect your Reward Points whenever you swipe with this Visa credit card. These points can then be used to redeem exciting gifts for you and the family! Whether it’s kitchenware, travel gear, vouchers, and even gifts for the kids, myBSN reward point catalogue has a gift just for you.

Special Low Rates

Think all credit card interest fees start at a high of 18%? Think again - only Bank Simpanan Nasional gives you interest rates as low as 11%p.a. for government sector and 13.5%p.a. for private sector employees with a Classic Visa credit card. And that’s not all. The annual fee for owning a BSN classic credit card is free for life.

Looking for a balance transfer with low interest rates? Bank Simpanan Nasional offers flexible balance transfer tenures between 3 and 36 months, with rates as low as 0% interest per annum for tenures of 1 and 2 years! With BSN Balance Transfer, you can consolidate your all your credit card debt into one card.

Or if you’re hoping to purchase a retail goodie which is out of your monthly budget, you can get it with easy payment plan (EPP). BSN EasyPay offers payment terms of 6, 12 and 24 months at interest rates between 3%-5%. To qualify of BSN EasyPay, you’ll have to spend at least RM500 on a single receipt.

Fees And Requirements

To qualify for a BSN Classic Visa card, you need to earn a minimum income of RM24,000 a year. Applicants must be at least 21 years of age. If you’d like to apply for a supplementary card, the supplementary cardholder must also be at least 18 years of age. 

Late payment fees of RM10 or 1% of outstanding amount, up to a maximum of RM75 will be charged when you do not pay your monthly bills on time.