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


Emergency Helpdesk 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 payments promptly on or before the payment due date.

Balance Transfer

Excellent value BSN Balance Transfer with interest rates from 3.6% per month and payment terms up to 36 months. 0% interest on half your monthly repayments for 12 and 24 month 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

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. 0% interest and flexible repayment periods of 3 to 36 months with BSN EasyPay Plan when you shop at participating merchants.

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
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


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.


Enjoy more from life with the Gold Visa, the credit card which gives you rewards wherever you shop. With Bank Simpanan Nasional’s free travel insurance, you’ll get complimentary coverage whenever you charge your full travel fares to your Gold Visa credit card.

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 this you’ll get 2 points for every RM 1. That’s double the rewards!

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

Low Interest Balance Transfer

It doesn’t matter if you’re looking to manage you credit balance with another bank or consolidate your debts for better credit management. Bank Simpanan Nasional offers 0% interest rates for balance transfer tenures of 12 and 24 months. 

For tenures between 3 to 9 months, you’ll get interest rates of 0.3% instead. 

Flexible Instalment Plans

Maybe you got a little excited over a purchase which 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 Easy Pay, a flexipay service offered by BSN.

With Easy Pay, you’ll be able to pay for your purchase in monthly instalments of either 6, 12 and 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

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 RM500,000. You’ll also be reimbursed if for lost and delayed luggage, as well as delayed and missed flight connections. 

No Annual Fee

We planned all along to save the best for last. Your BSN Gold Visa also comes with ZERO annual fee. That also means skipping the 6% GST attached to credit card annual fees - woohoo!