BSN Classic Visa

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

BSN Classic VisaSpecial Low Finance Charge
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 Reward Point and twice that when you spend overseas. These evergreen points can be used to redeem gifts, from kitchenware, travel gear, or vouchers, to gifts for the kids.

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


Get a complimentary BSN Zing PLUSMiles card, a Touch 'n Go card linked to your credit card with an auto-reload feature. Save more with toll rebates and discounts!

Low Management Fee

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


Complimentary 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 4.5% per month and repayment terms between 6 to 48 months. Pay 0% interest on your monthly repayments for 6-months tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.99%one-time upfront handling feefrom RM500
12 months3.99% p.a. and no 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

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 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
RM10 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
Visa payWave


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


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.


BSN Classic Visa, 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 finance charge 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 the 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 6 and 48 months, with rates as low as 0% interest per annum for a tenure of 6 months!

With BSN Balance Transfer, you can consolidate all your credit card debt into one card.

BSN Classic Visa — fees and requirements

To qualify for a BSN Classic Visa, 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 the outstanding amount, up to a maximum of RM75 will be charged when you do not pay your monthly bills on time.

What are the documents needed to apply for BSN Classic Visa?

Please prepare the following documents to ensure a hassle-free application journey.

Government Servant:

  • A copy of your IC (both sides);
  • Latest 1-month 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); AND
  • Latest 3 months payslip/latest EPF Statement/EA Form/BE Form


  • A copy of your IC (both sides);
  • Latest 6 months company's bank statement;
  • Latest B Form with an official tax receipt for the latest 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
Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product