BSN Gold MasterCard

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

BSN Gold MasterCardExclusive Rewards & Benefits
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


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


Free Travel Insurance with coverage of up to RM100,000 (including compensation for delayed flights and lost luggage) and a complimentary BSN Zing PLUSMiles Card that gives you discounts on toll fares.

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

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.


Get a complimentary BSN Zing PLUSMiles Card, a Touch 'n Go card linked directly to your credit card with an auto-reload feature. Save more money, and enjoy rebates and discounts on tolls!

Balance Transfer

Save on your outstanding credit card debts when you transfer the balance to your BSN credit card. Pay 0% interest for your monthly repayments for the 6-months tenure.

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

Help stretch your spending with BSN Instalment-Pay Plan with zero interest on management fees with an upfront fee of 3-5% of the value of the items at selected BSN merchants.

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
RM10 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians 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.
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 Gold MasterCard — Zero 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 in the 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 reward 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 6 months to 4 years on balance transfers.

BSN Gold MasterCard Application 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.

What are the documents needed to apply for BSN Gold MasterCard?

Please prepare the following documents for a seamless online application journey.

Government Servant:

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


  • A copy of your IC (both sides);
  • Latest 6 months company's 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
Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product