BSN Gold MasterCard Credit Card-i

No fool's gold here. Swipe your way to more savings, no annual fees, and complimentary Takaful travel benefits with the BSN Gold MasterCard Credit Card-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 1x Reward Points 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 and inconvenience coverage when you charge your flight tickets to your brand-new Islamic BSN credit card. Safe travels!

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

Low Management Fee

Management fees are as low as 13.5% p.a. for those who work in the private sector. 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 6-months programme, at a 0% interest rate per annum.

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

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
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
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
Contact-less Payment Methods


Minimum Annual Income
Minimum Age
  • 21 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.
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.


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

Free Takaful Coverage with BSN Gold MasterCard Credit Card-i

Remember to charge your full travel fare to your BSN Gold MasterCard Credit Card-i to get free Takaful coverage of up to RM100,000.

You’ll also be covered for travel inconveniences of up to RM1,600.

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

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 locally gives you 1 BSN Rewards Point.

Meanwhile, you’ll earn double the points when you spend overseas with this BSN Islamic credit card! 

Collect away and redeem the gifts that you want on BSN Happy Rewards Redemption Catalogue. 

0% Easy Payment Plan (EPP)

Bank Simpanan Nasional offers two great flexi instalment payment 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 a 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.

Complimentary BSN Zing PLUSMiles Card 

Get a free BSN Zing PLUSMiles Card which is a Touch 'n Go auto-reload card that is linked to your BSN Islamic credit card and enjoy awesome toll rebates and discounts, such as:

  • 5% toll rebate for a monthly usage of RM100.00 and above at PLUS, ELITE, BKE and LINKEDUA highways
  • Up to 30% discount at participating PLUSMiles merchant outlets
  • Get 1 PLUSMiles Point for every RM1
  • Earn BSN Happy Reward Points when you reload your BSN Zing PLUSMiles Card (RM1 = 1x Reward Point)

BSN Gold MasterCard Credit Card-i 0% Balance Transfer

Looking for a balance transfer? BSN Gold MasterCard Credit Card-i offers zero interest for 6 months balance transfer, with a small catch. 

For example, a 12-month balance transfer plan offers a 0% rate for the first 6 months only, while the rates for the subsequent 12 months are 0.375% per month.

I'm interested to apply. What are the eligibility criteria and the documents needed to make an application?

Any Malaysian citizens aged a minimum of 21 years and earning a minimum annual income of RM36,000 are eligible to apply for BSN Gold MasterCard Credit Card-i.

To make an application online, please prepare the following documents for easier processing.

Government Servant:

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


  • A copy of your IC (both sides)
  • Latest 6 months company 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
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