BSN G-Card Visa Credit Card credit card

BSN G-Card Visa Credit Card

Exclusively for all Malaysian government employees, a credit card that gives reward points, free travel insurance, and low finance charges of 8.88% p.a. at zero annual fee for life

  • 8.88% p.a. management fee
  • 20 days interest-free period
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for BSN G-Card Visa Credit Card

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Enjoy as low as 0% a month with the BSN Balance Transfer Programme

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Minimum RM300 for 5 months, RM1000 for 6 to 24 months, or RM2000 for 36 months
You can transfer from up to 3 different credit cards
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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Get 2,000 Happy Points when you swipe 3 time within 30 days from your card approval date. Spend RM1 on retail spend locally and overseas, earn 1x Happy Point and 2x Happy Points respectively.
BSN Happy Rewards Programme
EarnSpent
1 point on every RM1on all local purchases
2 points on every RM1on all overseas purchases
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
BSN Balance Transfer offers attractive interest rates from 3.6%p.a. and repayment terms of up to 36 months. Find out how much more you can save when you get a choose a 12 or 24 month balance transfer with 0% interest on the first half of your tenure!
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)
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 of 3 to 36 months!
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
Premium
Enjoy a hassle-free bill payment every month with BSN Autobilling with zero service charges. Earn reward point for every Ringgit spent!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
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
RM10.00 or 5.00% of withdrawn amount, whichever is higher
Management Fee on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
75% of total amount

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
Malaysian 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 G-Card Visa Credit Card review

What's so good (or not so good) about it?

This 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.

Free Annual Fee for Life

The best part of owning this Visa credit card from BSN is that you don't need to pay for an annual fee every year for both principal and supplementary cards. You are only required to pay for the Sales and Services Tax of RM25 upon card's anniversary date.

Low Finance Charges

Let's face it, sometimes, we forget to pay our credit card bill 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 Visa Credit Card, you can save on the interest payment as it charges 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, some love collecting points with every spending. If you are like those in the second category, well you are the lucky ones. 

BSN G-Card Visa Credit Card is giving you free 2,000 Happy Points as a welcome gift. All you need to do, as principal cardholders, is swipe 3 times within 30 days from your card approval date to receive this 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, merchandises, vouchers and many more, and have it delivered to your doorstep at no extra charges!

Free Travel Insurance

Traveling for business or leisure? Either way, you can have a 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 Visa Credit Card.

That's not all. You will also be covered for inconvenience benefits due to any flight delay or missed connection, luggage delay or lost, 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 happen 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 the funeral expenses.

Credit Facilities

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

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

Read More