BSN Platinum MasterCard Credit Card-i credit card

Also available as Visa

BSN Platinum MasterCard Credit Card-i

The BSN Platinum Card-i offers everything you could possibly need in a new credit card, providing more benefits, more rewards, and more privileges.

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

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Earn 1 Happy Rewards point for every RM1 when you swipe with this credit card and double the points when you swipe overseas, on dining, golf and travel. Exchange these points for gifts you can buy for your home, kitchen, kids, dining, and even sports.
BSN Happy Rewards Programme
2 points on every RM1on dining, golf, travel and overseas retail expenses.
1 point on every RM1on all local retail expenses
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Save more with a balance transfer! Low interest rates of 3.6% per annum and repayment terms up to 36 months. Maybe go interest free with 0% interest for 12 and 24 month tenures only applicable for the first half of your repayments.
Pay OverWith Interest Rate AtWhen You Transfer
3 months3.6% p.a. and no one-time upfront handling feefrom RM500 
6 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
9 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about BSN Balance Transfer Programme
Easy Payment Plan (EPP)
Swipe on your purchase and pay them in monthly instalments. BSN Instalment-Pay offers payments terms of 6, 12 and 24 months on any retail purchases with a one-time upfront interest rate from 3% to 5%. Shop at participating merchants and pay 0% interest for payment terms between 3 to 36 months with BSN EasyPay Plan.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
Learn more about BSN Instalment-Pay
Get a complimentary BSN Zing PLUSMiles card that auto reloads RM100 from your BSN Credit Card Account whenever your balance falls below RM50. The Zing PLUSMiles Card also entitles you to toll rebates, merchant discounts, PLUSMiles points and many more exciting benefits!
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2000
Delayed LuggageUp to RM2000

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for 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
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
Management Fee on Cash Withdrawals
Daily Maximum Cash Withdrawal
75% of total amount


Are you eligible for this credit card?

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


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 Platinum MasterCard Credit Card-i review

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

Any credit card can give you more benefits, rewards, and privileges – but do all of those cards give them away for free? With BSN Platinum MasterCard Credit Card-i you get all these bundled in a Shariah compliant platinum credit card to help you save money!

No Annual Fees

Your annual credit card fee has been waived for life. This saves you almost RM200 each year in annual fees which you would otherwise pay for a platinum credit card. 

How about annual fees for a supplementary card? Also free! That’s another RM100 that you save, or quintuple that! – if you decide to get the maximum of 5 supplementary cards.

0% Balance Transfer

Bank Simpanan Nasional also offers special 0% interest on balance transfers with tenures of 1 or 2 years for half of your repayments. 

If you’ve accumulated too much credit debt on your credit cards with other banks, you can transfer these balances to your BSN Platinum Card-i and avoid paying credit card interest rates of 15 – 18% per annum.

Rewards Coming Your Way

Yes, rewards are a must have! Collect Happy Rewards Points when you swipe with your BSN Platinum Card-i. You’ll earn 1 reward point for every RM1 that you spend locally, which you can use to redeem exciting gifts and vouchers with BSN Happy Rewards.

But the rewards don’t stop there! Get more for your money and double the reward points when you spend on golf, dining and overseas shopping. That’s 2x reward points for every Ringgit you spend.

Interest Free Easy Payment Plan

Don’t forget that you can sign up for BSN EasyPay when you swipe for your purchase at participating merchants. This EPP service by Bank Simpanan Nasional gives you 0% interest and flexible repayment terms of 3 months or 36 months, to give you even more spending options!

Free Zing PLUSMiles Card

Sign for a BSN Platinum Card-i today and you’ll also get a free Zing PLUSMiles Card. This handy Touch ‘n Go card will reload automatically when the balance drops below RM50, saving you the hassle of reloading your card and stop worrying if you have enough left each time you tap your Touch ‘n Go card at a toll, car park, or while using public transportation.

Travel Benefits Too!

Travel the world and never have to worry about the travel insurance with this nifty little card. BSN offers their cardholders Takaful Travel Protection coverage of up to RM1,000,000. Apart from that, you are also covered with travel inconvenience protection for loss of luggage, flight delays, missed connections and luggage delays.

Read More