BSN Gold MasterCard Credit Card-i

No fool's gold here. Swipe your way to more savings, no annual fees, and complimentary Takaful travel insurance with the BSN Gold MasterCard-i!

BSN Gold MasterCard Credit Card-iUnlimited Rewards
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


You can get so many great gifts with the BSN Happy Rewards Redemption programme! Earn 1 Reward Point for each RM1 that you spend locally and double the points for spending abroad!

BSN Happy Rewards Programme
1 point on every RM1local retail spending
2 points on every RM1overseas retail spending


Get free Takaful travel coverage when you charge your flight tickets to your brand new Islamic BSN credit card. Safe travels!

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM1,600

Low Management Fee

Management fees as low as 13.5% p.a. for those who qualify. Government employees are eligible for special 11% rates!


Skip the queues at toll booths with a complimentary BSN ZING PLUSMiles Touch 'n Go card. Forget about the hassle of topping up your card's balance as RM100 will be automatically reloaded whenever the value falls below RM50 via your BSN credit card.

Balance Transfer

Consolidate your outstanding credit card debts with BSN Balance Transfer and save with the 12-month and 24-month programme, at 0% interest for the first half of your tenure

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

More spending flexibility at your disposal with BSN easy payment plans (EPP). Enjoy 0% interest on monthly instalments when you shop at participating outlets. For other purchases get them with BSN Instalment-Pay with a minimal upfront fee of 3-5%.

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 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


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 gold, classy, and it won’t cost you a thing! This Islamic credit card by Bank Simpanan Nasional Al Aiman also gives you free takaful coverage and other complimentary benefits.

Annual Fee Waiver

There are no strings attached. With your BSN Gold MasterCard Credit Card-i you won’t have to pay any annual fees for life. This benefit is also extended to supplementary cards as well – you’ll save a ton each year if you were planning to get a few supplementary cards for the family!
Rewards Points that never expire 

Every Ringgit that you spent on locally gives you 1 BSN Rewards Point. Meanwhile you’ll earn double the points when you spend overseas! Collect away and redeem the gifts that you want on BSN Happy Rewards Redemption Catalogue. 

Free Takaful Coverage

Remember to charge your full travel fare to your BSN Gold MasterCard Credit Card-i to get free Takaful coverage of up to RM500,000. You’ll also be covered for travel inconveniences of up to RM1600. 

Inconvenience benefits include coverage for lost luggage, luggage delays, flight misconnections and delays. 

0% Easy Payment Plan (EPP)

Bank Simpanan Nasional offers two great flexi instalment pay plans. Shop at BSN participating merchants and you can pay back what you owe in monthly instalments with BSN’s EasyPay Plan. 

All you need is a minimum purchase of RM500 in a single receipt. You’ll be given 3 to 36 months to repay what you owe at 0% interest!

In case you purchase something from a non-participating BSN merchant, you can still enjoy zero interest rate with Instalment-Pay. However, you’ll have to pay a one-time upfront fee of 3% to 5% depending on the duration of your instalment plan.

0% Balance Transfer

Looking for a balance transfer? BSN offers zero interest for 12 and 24 months balance transfer, with a small catch. For example, a 24 months balance transfer plan offers 0% rate for the first 12 months only, while the rates for the subsequent 12 months are 0.375% per month.