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.

BSN Platinum MasterCard Credit Card-iDouble The Reward Points
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 1 Happy Rewards Point for every RM1 when you swipe with this credit card and double the points when you swipe overseas on retail spending. 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 overseas retail expenses
2 points on every RM1on local dining, golf and travel expenses
1 point on every RM1on all local retail expenses


Get complimentary travel and accident takaful coverage of up to RM300,000. Plus, you will get a complimentary BSN Zing PLUSMiles, a Touch 'n Go card that auto reloads RM100 from your BSN Credit Card Account whenever your balance falls below RM50.

Travel CoverageSum Insured
Travel InsuranceUp to RM300,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM2,000

Low Management Fee

Enjoy a low finance charge of 11% p.a. (for Government Employees) and 13.5% p.a. (for Private Sector Employees) when you promptly settle at least your minimum payment due for 12 consecutive months.


Redeem your accumulated Happy Rewards Points with exciting gifts, retail vouchers and so much more! Additionally, enjoy an array of credit facilities for more savings.

Balance Transfer

Save more with a balance transfer! Low-interest rates of 4.5% per annum and repayment terms up to 48 months. Maybe go interest-free with 0% interest for 6 months' tenure applicable for your repayments.

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

Swipe on your purchase and pay them in monthly instalments. BSN Instalment-Pay offers payment terms of 6, 12 and 24 months on any retail purchases with a one-time upfront interest rate from 3% to 5%.

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


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 Platinum MasterCard Credit Card-i — Rewards Coming Your Way!

Yes, rewards are a must-have!

Collect Happy Rewards Points when you swipe with your BSN Platinum MasterCard Credit Card-i.

You’ll earn 1 reward point for every RM1 that you spend locally on retail and 2 reward points for local golf, travel and dining spend — 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.

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.

BSN Platinum Credit Card 0% Balance Transfer

Bank Simpanan Nasional also offers special 0% interest on balance transfers with a tenure of 6 months 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 MasterCard Credit Card-i and avoid paying credit card interest rates of 15 – 18% per annum.

BSN Instalment-Pay Plan

Don’t forget that you can sign up for BSN Instalment-Pay Plan when you swipe for your purchases at participating merchants. 

This service by Bank Simpanan Nasional gives you 0% on management fees and flexible repayment terms of 6 months, 12 months or 24 months, to give you even more spending options!

Complimentary Zing PLUSMiles Card

Sign up 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.

BSN Platinum MasterCard Credit Card-i Travel Benefits

Travel the world and never have to worry about travel insurance with BSN Platinum MasterCardCredit Card-i.

BSN offers their cardholders Takaful Travel Protection coverage of up to RM300,000.

Apart from that, you are also covered with travel inconvenience protection for loss of luggage, flight delays, missed connections and luggage delays.

BSN Travel & Accident Takaful CoverageCoverage (up to)
Lost luggage (more than 48 hours)RM2,000 
Delayed luggage (more than 6 hours)RM2,000
Flight delay (more than 6 hours)RM600
Missed connection (more than 4 hours)RM600

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

Any Malaysians aged 21 years and above and earning at least RM48,000 annually are eligible to make an application for this credit card.

Please prepare the following documents 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 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; OR
  • EA Form/BE Form with an official tax receipt
Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product