BSN Platinum MasterCard

Indulge in a world of Platinum privileges with BSN, offering you more benefits, more rewards, and more privileges for your money!

BSN Platinum MasterCardPlatinum Privileges
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 Ringgit charged and 2x the rewards when you spend overseas on retail. Have fun with the rewards programme and claim gifts for your kids, family, home, kitchen, dining, and even sports.

BSN Happy Rewards Programme
2 points on every RM1on overseas retail expenses
2 points on every RM -on local dining, golf and travel expenses
1 point on every RM1on local retail expenses


Sign up and receive complimentary Travel Insurance with coverage of up to RM300,000. Get a free BSN Zing PLUSMiles card that's linked to your BSN Credit Account, with auto reloads RM100 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

Reap the benefits of low finance charges 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.


Make more value out of your money with attractive credit facilities, Happy Points Redemption and global privileges exclusively for Platinum cardholders.

Balance Transfer

Clear your debts with BSN Balance Transfer. Low-interest rates of 4.5% and flexible repayment periods between 6 and 48 months. Pay 0% interest for your monthly repayments for 6 months' tenure.

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

Stretch your spending with the BSN Instalment-Pay plan. Enjoy a 0% management fee of at least RM500 for your purchases at non-participating outlets and repayment terms between 6 to 24 months. A one-time fee of 3-5% of the items' value will be charged when you enrol your purchases.

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


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.


Enjoy Great Savings with BSN Platinum MasterCard

Bank Simpanan Nasional offers more ways for you to enjoy savings with BSN Platinum MasterCard.

Starting with low-interest rates of 13.5% on your credit card interest rates and a 20-day interest-free period, you’ll be given a lot more flexibility when managing your purchases and repayments. 

It doesn’t stop there - the annual fees for your BSN credit card have been waived for life! 

So you don’t have to worry about swiping enough every month to make sure that you’re getting your money’s worth on your credit card.

Rewards Just For You

It’s not worth its weight in platinum if it doesn’t reward you accordingly. 

Get 1 Happy Reward point for every Ringgit that you charge to your BSN credit card, this includes shopping, groceries, gadgets and more. 

Spend on dining or golf locally, and anywhere when you’re overseas and you’ll get double the rewards instead! 

Collect these Happy Rewards and use them to redeem some awesome gifts for you and your family. 

BSN Platinum MasterCard Travel Benefits

This BSN Platinum Card also offers you complimentary Automatic Travel Insurance where you as a cardholder are covered up to RM300,000 when you charge your full travel fares to your BSN Card. 

Besides this, you'll also receive coverage for travel inconveniences such as lost luggage and delays.

BSN Travel InsuranceCoverage (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

0% Balance Transfer

BSN gives you even more reasons to get a Platinum credit card with its Balance Transfer Programme.

If you’re struggling with your monthly payments for other credit cards, Bank Simpanan Nasional offers repayment tenures of 6 months at 0% interest with a minimum transfer amount of RM500.

Meanwhile, the minimum transfer amount for tenures of 12 months is RM500, 24 months RM1000, 36 months RM2000, and 48 months RM3000.

You’ll be given a schedule to repay what you owe over the period, without having to worry about incurring more debt.

Free BSN Zing PLUSMiles card from BSN Platinum MasterCard

When you sign up for BSN Platinum MasterCard, you’ll get a complimentary BSN Zing PLUSMiles card!

This smart card will reload whenever the balance falls below RM50 and automatically debit the top-up to your BSN account.  

It’s a Touch ‘n Go card, but even niftier.

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

Any Malaysians aged 21 years and above are eligible to apply. Additionally, you must be earning RM48,000 annually to be eligible.

Please prepare the following documents for a seamless 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 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
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