BSN Gold Visa

Enjoy more from life whether you're travelling or at home. Use BSN Visa Gold for all your shopping, dining or travel needs anytime, anywhere!

BSN Gold VisaLow Finance Charge
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


Earn evergreen Happy Rewards Points with this credit card! Get 1 reward point for every RM1 spent and 2x the points when you spend overseas! Use them to redeem cool gifts.

BSN Happy Rewards Programme
2 points on every RM1on all overseas retail expenses
1 point on every RM1on all local retail expenses


Emergency Helpdesk and free travel insurance with coverage of up to RM100,000. Get a complimentary BSN Zing PLUSMiles Card, a Touch 'n Go card that is linked to your 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

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 payments promptly on or before the payment due date.


Enjoy an array of credit card facilities, credit limit increase benefits and redeem exciting rewards with your accumulated points!

Balance Transfer

Excellent value BSN Balance Transfer with zero interest rates from 0.375% per month and payment terms up to 48 months. 4.5% interest on half your monthly repayments for 12 and 24 months tenures.

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

BSN Instalment-Pay offers repayment terms of 6, 12 and 24 months on any retail purchases at interest rates from 3% to 5%. No penalty fee for early payment.

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
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 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 Visa — Rewards Galore!

Earn Happy Reward Points whenever you charge your expenses to your BSN Gold Visa. 

For every Ringgit that you spend on local purchases, you’ll be rewarded with 1 point. Spend overseas, and you’ll get 2 points for every RM1. That’s double the rewards!

You can collect these points and redeem them for a wide array of exciting prizes listed on the myBSN Happy Rewards Points catalogue. 

Low-Interest Balance Transfer

It doesn’t matter if you’re looking to manage your credit balance with another bank or consolidate your debts for better credit management. 

Bank Simpanan Nasional offers 0% interest rates for a balance transfer tenure of 6 months. 

For tenures between 12 to 24 months, you’ll get interest rates of 4.5% instead. 

BSN Gold Instalment-Pay Plan

Maybe you got a little excited over a purchase that you can’t afford immediately, but you don’t want to pay the regular credit card interest rates if you swipe for it. 

You can still get it with Instalment-Pay, a flexipay service offered by BSN.

With Instalment-Pay, you’ll be able to pay for your purchase in monthly instalments of either 6, 12 or 24 months. 

If you choose the shortest tenure of 6 months, you’ll only be charged 3% interest on your purchase; interest rates of 4% and 5% apply for the 12 and 24-month tenures respectively. 

Free Travel Insurance for BSN Gold Visa Cardholders

We mentioned free travel insurance! All you have to do is to pay for your travel fare in full with your Gold Visa card, and you’ll be entitled to complimentary coverage of up to RM100,000. 

You’ll also be reimbursed for lost and delayed luggage, as well as delayed and missed flight connections. 

BSN Travel Inconveniences InsuranceCoverage (up to)
Lost Luggage (more than 48 hours)RM1,600
Delayed Luggage (more than 6 hours)RM1,600
Flight Delay (more than 6 hours)RM600
Missed Connection (more than 4 hours)RM600

BSN Gold Visa — ZERO Annual Fee

We planned all along to save the best for last. Your BSN Gold Visa also comes with ZERO annual fees. 

That also means skipping the 6% GST attached to credit card annual fees - woohoo!

Am I eligible to apply? What are the required documents to make an application online?

Any Malaysians aged a minimum of 21 years and earning an annual income of RM36,000 and above are eligible to apply online for this credit card by BSN.

Additionally, please prepare the documents below for a smoother 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 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
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