BSN Gold Visa Credit Card-i

Annual fee waivers for life? Free Takaful travel insurance? You'll get great rewards and even better savings with this BSN Islamic Gold Visa credit card!

BSN Gold Visa Credit Card-iZERO Annual Fee!
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


Collect points on local and overseas transactions to redeem exciting gifts and vouchers with BSN Happy Rewards Programme! You'll get 1 Reward Point for every RM1 you spend locally and double when you swipe abroad!

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


Travel perks coming your way! Swap rewards points for Enrich Miles or get complimentary Takaful travel insurance and inconvenience benefits when you charge your airfare in full to your BSN credit card.

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 private sector employee. If you're a civil servant take full advantage of the special 11% rate.

Balance Transfer

Get more savings with BSN Balance Transfer Programme - you'll pay 0% interest for the first half of your repayments when you choose 12 or 24-months tenures!

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

Convert your purchases into monthly instalments at zero interest and charges with BSN EasyPay Plan, only when you shop at participating outlets. For purchases at non-participating outlets you can opt for BSN Instalment-Plan with repayment tenures of 6, 12 and 24 months - but you'll have to pay an 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 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
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods


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.


Wishing to get more benefits out of a credit card? Then BSN Gold Visa Credit Card-i is the credit card for you. With no conditions attached you can get 5 freebies: free annual fee waiver, supplementary cards, BSN Zing PLUSMiles Card, rewards points and travel insurance!

No Annual Fees, Ever!

You read it right the first time – No annual fee! Not just when you sign up, but for the rest of your life with no additional conditions attached. So keep your BSN Gold Visa Credit Card-i in your back pocket at all times to yield in benefits. And we’re only just getting to the best part!
Rewards Points.

Swipe like you mean it, because every Ringgit that you spend on local transactions rewards you with 1 Happy Rewards point. Spend abroad and you’ll get double the points! Accumulate these rewards points to redeem some cool gifts. 

BSN Happy Rewards Programme offers a wide range of gifts to claim, from gadgets, vouchers, home appliances, kids, travel, living style and more! 

Low Interest Rate

Most banks charge management fees of up to 18% p.a. on your outstanding balance. With BSN Gold Visa Credit Card-i you can enjoy lower rates ranging from 13.5% to 17.5% p.a. If you're a government employee you can enjoy even lower rates of 11%! 

On the other hand, you can simply ignore these interest rates if you are able to settle your outstanding credit card balance each month in full. 

Complimentary Travel Insurance

Charge all your travel and airfares to your BSN credit card to get free Takaful coverage of up to RM500,000. It also comes with travel inconvenience benefits for loss of luggage, luggage delays, flight delays and missed connections for up to RM1600.

Free Supplementary Cards

With its annual fee waiver, Bank Simpanan Nasional offers you up to a maximum of 5 free supplementary cards. You can extend the cards to your spouse, children and other immediate family members who are 18 years old and above.