BSN Gold MasterCard

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

BSN Gold MasterCardExclusive Rewards
Min. Income
RM3,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
13.5% p.a.
Interest-free
20 days

Rewards

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
EarnSpend
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses

Travel

Airmiles and Free Travel Insurance (including compensation for delayed flights and lost luggage)

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

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.

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 RM1,000
9 months3.6% 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 months4.5% p.a. and no one-time upfront handling feefrom RM2,000
Learn more about BSN Balance Transfer Programme

Easy Payment Plans

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.

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
  • RM0 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, 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
Daily Maximum Cash Withdrawal
RM -

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only

Features

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.

Review

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.