BSN-UUM Al-Aiman Mastercard Credit Card

Everything you need in a credit card and more! Enjoy delightful rewards and instant privileges that will cost you nothing, as annual fees are waived.

BSN-UUM Al-Aiman Mastercard Credit CardComplimentary Travel Coverage
Min. Income
RM2,000/month
Annual Fee
Free
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Profit Rate
9.95% p.a.
Profit-free Period
20 days

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Rewards

Earn a 1x Happy Point for every RM1 charged to your credit card locally. For overseas spending, you get double the Happy Points! The accumulated Happy Points can be used to redeem great gifts and vouchers with everything from IT gadgets to air miles (Enrich Miles or AirAsia Points).

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

Travel

Receive an automatic travel Takaful coverage of up to RM100,000 when you charge your full travel fares to your BSN-UUM Al-Aiman Gold Mastercard Credit Card and up to RM300,000 when you charge it to your BSN-UUM Al-Aiman Platinum Mastercard Credit Card.

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

Shop at low fees! Good value 9.95% APR interest rate with your new BSN-UUM Al-Aiman Mastercard Credit Card!

Balance Transfer

Save on your outstanding credit card debts with the BSN Balance Transfer Programme that offers 0% interest for the first 12 months tenure of your repayment period.

Pay OverWith Profit 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

BSN Instalment-Pay offers payment terms of 6, 12 and 24 months on retail purchases at one-time interest rates from 3% to 5%. No penalty fees for early payment.

BSN Instalment-Pay
Pay OverWith Profit 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 Compensation
1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Profit Rate on Cash Withdrawals
18%
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • UUM Community Only

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.
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.

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