BSN Gold Visa Credit Card-i

Annual fee waivers for life? Free Takaful travel and inconvenience benefits? You will get great rewards and better savings with BSN Gold Visa Credit Card-i!

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 1x Reward Points 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 and inconvenience benefits when you charge your airfare in full to your BSN credit card.

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


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

Get more savings with BSN Balance Transfer Programme - you'll pay 0% interest for your repayments when you choose 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

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
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
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
Visa payWave


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.


BSN Gold Visa Credit Card-i: 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 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 1x Happy Rewards points. 

Spend abroad and you’ll get double the points! Accumulate these reward 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 work in the private sector. 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. 

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.

Free BSN Zing PLUSMiles Card

Get a free BSN Zing PLUSMiles Card - 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)

Free Travel Insurance from BSN Gold Visa Credit Card-i

Charge all your travel and airfares to your BSN Gold Visa Credit Card-i to get free Takaful coverage of up to RM100,000.

It also comes with travel inconvenience benefits for loss of luggage, luggage delays, flight delays and missed connections for up to RM1,600.

What are the eligibility criteria and the required documents to make an application?

Any Malaysians aged a minimum of 21 years and earning at least RM36,000 annually are eligible to make a credit card application online.

For a smoother application process, please prepare the following documents.

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
  • EA Form/BE Form with an official tax receipt
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