BSN Gold MasterCard credit card

Also available as Visa

BSN Gold MasterCard

Go gold and glitter with exclusive lifestyle discounts, a worthwhile reward program, and comprehensive travel coverage. Go with BSN and MasterCard!

  • 13.5% 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 Gold MasterCard

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

Don’t want low interest rates? Skip these questions if you just want a BSN card!
Leave it if you are not interested in BSN Balance Transfer
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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Because you should be rewarded for giving the bank your business

Happy Rewards points are awarded for every Ringgit you spend - 1 point locally or 2 points for overseas spending. Gifts redeemable range from electronic gadgets, beauty and health products, and household items.
BSN Happy Rewards Programme
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Save on your outstanding credit card debts when you transfer the balance to your BSN credit card. Pay 0% interest for the first half of 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 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)
Two different easy payment plans ( EPP) by Bank Simpanan Nasional to help you stretch your spending. Zero interest and charges and repayment tenures up to 3 years with BSN Easy Plan when you shop at participating outlets. All other purchases can be enroled into BSN Instalment-Pay with an upfront fee of 3-5% of the items value.
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
Airmiles and Free Travel Insurance (including compensation for delayed flights and lost luggage)
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1600
Delayed LuggageUp to RM1600
Low Management Fee
Enjoy a low Finance Charge of only 11% p.a.(for Government Servants) and 13.5% p.a.(for Private Sector Servants) when you settle your minimum payment promptly on or before the payment due date.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for 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
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


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Malaysians Only


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 Gold MasterCard review

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

It’s not just gold and glitter with the BSN Gold MasterCard. You get savings which no other gold credit card in the market offers. And it all starts with zero annual fees FOR LIFE with your credit card! 

No Annual Fee

Unlike other gold credit cards which may waive your annual fee charges – with conditions such as a minimum number of swipes or minimum spending – the annual fee for your BSN Gold MasterCard is completely free!

This means you won’t have to justify your usage of your credit card, not when you don’t have to pay additional costs for owning one. And no annual fee means no 6% GST charges every year either!

Rewards When You Spend

Owning a gold credit card with Bank Simpanan Nasional means that you are automatically enrolled into myBSN Reward Point programme. For all your retail purchases both locally and overseas, you’ll earn points which you can later redeem for exciting gifts!

Spending overseas will double your rewards points for every RM1 spent. For local retail shopping, you will earn 1x Reward Point for every Ringgit instead.

Low Interest Rates

Let’s talk savings. With your BSN Gold MasterCard, you’ll get special low interest rates of 13.5% on your outstanding credit balances. If you’re a government servant, you get an even lower rate of 11% interest p.a. To qualify, you’ll have to settle your minimum payments promptly.

If you’re looking to consolidate your outstanding credit debt with other banks, you can get a balance transfer with Bank Simpanan Nasional and pay low interest rates of 0%, instead of the regular tiered credit card rates. Bank Simpanan Nasional offers tenures of 3 months to 3 years on balance transfers.

Minimum Requirements

To get your very own BSN Gold MasterCard, you need to earn a minimum of RM36,000 a year. This card is only available to Malaysians who are at least 21 years of age.

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