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!

13.5% p.a. management fee
20 days interest-free period
0% p.a. balance transfer over 24 months
Easy Payment Plan (EPP)
RM0.00 annual fee
Earn up to 2x reward points

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for BSN Gold Visa

RinggitPlus will help you every step of the way.

My income is greater than RM36000 a year. That's at least RM3000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

Rewards

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
Earn	Spent
1 point on every RM1	on all local retail expenses
2 points on every RM1	on all overseas retail expenses

Your BSN Happy Rewards Programme earned expires in 3 years

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 Over	With Interest Rate At	When You Transfer
3 months	3.6% p.a. and no one-time upfront handling fee	from RM500
6 months	3.6% p.a. and no one-time upfront handling fee	from RM1000
9 months	3.6% p.a. and no one-time upfront handling fee	from RM1000
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000
36 months	4.5% p.a. and no one-time upfront handling fee	from RM2000

Learn more about BSN Balance Transfer Programme

Easy Payment Plan (EPP)

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.

Pay Over	With Interest Rate At	When You Spend
3 months	0% p.a. and no one-time upfront handling fee	from RM500
36 months	0% p.a. and no one-time upfront handling fee	from RM500

Learn more about BSN EasyPay

Pay Over	With Interest Rate At	When You Spend
6 months	3% one-time upfront handling fee	from RM500
12 months	4% one-time upfront handling fee	from RM1000
24 months	5% one-time upfront handling fee	from RM2000

Learn more about BSN Instalment-Pay

Travel

Emergency Helpdesk and Free Travel Insurance (including compensation for delayed flights and lost luggage).

Travel Coverage	Sum Insured
Travel Insurance	Up to RM500000
Delayed Flight	Up to RM600
Missed Flight	Up to RM600
Lost Luggage	Up to RM1600
Delayed Luggage	Up to RM1600

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.

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life

Annual Fee for Supplementary Card

RM0

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

Late payment fee

RM10 or 1% of outstanding amount, up to a maximum of RM75

Cash withdrawal fee

RM10.00 or 5.00% of withdrawn amount, whichever is higher

Management Fee on Cash Withdrawals

18%

Contact-less Payment Methods

payWave

Requirements

Are you eligible for this credit card?

Minimum annual income: RM36000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Malaysians Only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan: BSN EasyPay; BSN Instalment-Pay; Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.

Cash Advance / Cash Loan: BSN EasyCash; Cash Advance is a loan against the credit limit of your card at a reasonable rate.

Balance Transfer: BSN Balance Transfer Programme; Balance transfer allows you to consolidate debt from your other credit cards onto this card.

BSN Gold Visa review

What's so good (or not so good) about it?

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!