BSN-Teachers Al-Aiman Gold Credit Card

Don't worry about paying annual fees again as your BSN-Teachers Al-Aiman Gold Credit Card gets you rewards, free travel Takaful, flexible EPP, and more as an educator!

BSN-Teachers Al-Aiman Gold Credit CardNo Annual Fee For Life!
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
8.88% p.a.
Interest-free
20 days

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Rewards

Earn 1x Happy Points for every Ringgit that you spend on local retail purchases. Spend abroad, and the points are doubled! The accumulated Happy Points can be exchanged for a wide range of gifts, prizes, vouchers and even Enrich Miles or AirAsia Points with myBSN Reward Point Catalogue.

BSN Happy Points
EarnSpend
2 points on every RM1on overseas retail purchases
1 point on every RM1on local retail purchases

Travel

Enjoy complimentary Travel Accident and Inconvenience Takaful coverage! Charge your travel fare in full to your BSN-Teachers Al-Aiman Gold Credit Card and automatically get takaful coverage of up to RM100,000.

Travel CoverageSum Insured
Travel InsuranceUp to RM100,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM1,600

Low Management Fee

Excellent interest rates of 8.88% p.a. on your credit balance when you pay your bill on time.

Balance Transfer

BSN Balance Transfer offers tenures between 6 and 48 months at special low-interest rates. Pay 0% interest on your repayments with the 6 months tenure.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.99% one-time upfront handling feefrom RM500
12 months0% p.a. and 3.99% 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

Convert your purchases with the BSN Instalment-Pay and enjoy low interest rates. No penalty fee for early payment!

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
1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Teachers, lecturers, and employees working with Ministry of Education or approved institutions of higher education, including teachers of MRSM

Features

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.
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.

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