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!

Special low rates.

BSN Classic Visa
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

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 months3.6% p.a. and no one-time upfront handling feefrom RM500
6 months3.6% p.a. and no one-time upfront handling feefrom RM1,000
9 months3.6% 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 months4.5% 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


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


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.


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!

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!


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

Fees & Charges

Annual Fee
  • RM0 primary card
  • 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
RM -
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