BSN G-Card Credit Card-i

With attractive BSN Happy Points, complimentary travel insurance, low management fees and zero annual fees for life, this credit card is a true companion for all Malaysian government employees.

BSN G-Card Credit Card-iFor Government Employees
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
8.88% p.a.
20 days


Get 2,000 Happy Points when you swipe at least 3 times within 30 days from your card approval date. Spend RM1 on retail spend locally and overseas and earn 1x Happy Point and 2x Happy Points respectively.

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


Enjoy complimentary travel accident and inconvenience benefits, exclusively for BSN G-Card Credit Card holders!

Travel CoverageSum Insured
Travel InsuranceUp to RM100,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM1,600


Enjoy a hassle-free bill payment every month with BSN Autobilling with zero service charges. Save more with non-compounding charges every month! And reward yourself by redeeming the accumulated Happy Points for Enrich Points, BIG Points, gifts, retail vouchers and more.

Balance Transfer

BSN Balance Transfer offers attractive interest rates from 0% p.a. and repayment terms of up to 48 months.

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

BSN Instalment-Pay offers repayments terms of 6, 12 and 24 months on any retail purchases at one-time interest rates from 3-5% p.a. Take advantage of BSN EasyPay when you shop at participating outlets and enjoy 0% interest with no handling fees and tenures from 6 to 36 months!

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
BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 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

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life without condition

  • 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
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysian Government employees 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.
BSN EasyPay
Buy whatever you want with BSN EasyPay and enjoy a flexible instalment plan with 0% interest.
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 G-Card Credit Card-i, a co-branded credit card under a strategic partnership with Majlis Kebajikan Dan Anggota-Anggota Kerajaan Malaysia (MAKSAK) is open to Malaysian who work in the government sector only.

BSN G-Card Credit Card-i gives you a free annual fee for life

The best part of owning this Visa credit card-i from BSN is that you don't need to pay an annual fee every year for both principal and supplementary cards. 

You are only required to pay the Sales and Services Tax of RM25 upon the card's anniversary date.

Low management fees

Let's face it, sometimes, we forget to pay our credit card bills on time. 

And usually, we will be slapped with a steep finance charge of 18% p.a. or 1.5% per month on the outstanding balance.

With BSN G-Card Credit Card-i, you can save on finance charges as it starts from as low as 8.88% p.a. or 0.74% per month on the outstanding balance.

2,000 Welcome Happy Points

Some prefer getting cashback after spending, and some love collecting points with every spending. 

If you are like those in the second category, well you are the lucky one.

BSN G-Card Credit Card-i is giving you free 2,000 Happy Points as a welcome gift. 

All you need to do, as principal cardholders, is to swipe at least 3 times within 30 days from your card approval date to receive the welcome reward points.

After that, for every RM1 you spent on retail spending, locally and overseas, you earn 1x Happy Point and 2x Happy Points respectively. 

Collect enough points to redeem for gifts, merchandise, retail vouchers and many more, and have it delivered to your doorstep at no extra charges!

Free travel and inconvenience benefits

Travelling for business or leisure? 

Either way, you can have peace of mind knowing that you will be covered for up to RM100,000 with Travel Accident Protection Plan for free when you charge your full travel fares to your BSN G-Card Credit Card-i.

That's not all. You will also be covered for inconvenience benefits due to any flight delay or missed connection, luggage delay or loss, subject to the terms and conditions. 

This Takaful coverage is underwritten by Zurich Takaful.

Don't Worry Credit Shield

Here's another financial safety net for you and your family: get protected for up to RM100,000 with a credit shield protection plan that will pay off your outstanding principal credit card in the event of death or total permanent disability.

The premium is charged based on the outstanding balance of the month. 

For every RM100 transaction you have made, RM0.30 will be charged for the premium. 

However, if there is no spending happening for the month, no premium will be charged.

Plus, you can add on Don't Worry Bereavement for just RM6 every month. 

This plan provides bereavement benefits of RM3,000 to help you reduce the cost of funeral expenses.

BSN G-Card Credit Card-i credit facilities

Apart from the benefits and features mentioned above, BSN G-Card Credit Card-i is also packed with these facilities:

  • Credit Limit Increase
  • Balance Transfer Programme
  • BSN EasyCash Plan
  • BSN Instalment-Pay Plan
  • BSN 0% EasyPay Plan

Am I eligible to apply?

If you have a monthly income of RM2,000 and are working in the Government sector in any Ministry, Department, Statutory Body or Agency; you are eligible to apply.

Before you make the application online, please prepare the following documents:

  • A copy of your IC (both sides)
  • Latest 1-month payslip OR 
  • Employer Confirmation Letter (for Army and Police personnel, please attach a copy of the Authority Card)
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