BSN Visa Cash Back Credit Card
Save up to 5% cash back every month as you spend on your daily necessities. What's more, overseas spending is included too. No annual fees for life!
No annual fee for lifeProduct summary
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- up to 5%
- Balance Transfer
- From 0% p.a.
- Easy Payment Plan
- From 0% p.a.
- Interest Rate
- 15% p.a.
- Interest-free
- 20 days
Hear from our users
Find out how Malaysians start making smart financial decisions with us
Hear from our users Sign Up Offers
Cashback
Get up to 5% cashback when you shop for groceries, dine at your favourite restaurant and fill up your tank, capped at RM15 per month. Other retail spending can get you 0.2% unlimited cashback, while overseas spending earns you 1% unlimited cashback. Please note that the cashback is not applicable for government-related transactions and other exclusions as per the T&C.
| CASHBACK CATEGORY | CASHBACK RATE | MONTHLY CAP | SPEND |
|---|---|---|---|
| Groceries, Dining & Petrol | 5% | RM15 | from RM3,000 or above monthly |
| Groceries, Dining & Petrol | 1% | RM15 | from RM1,000up to RM2,999 monthly |
| Groceries, Dining & Petrol | 0.2% | RM15 | from RM1up to RM999 monthly |
| Overseas Retail Spend | 1% | uncapped | from RM1 or above monthly |
| Other Local Retail Spend | 0.2% | uncapped | from RM1 or above monthly |
Petrol
Earn up to 5% cashback, capped at RM15 per month on petrol filling.
Travel
Get Platinum Protection with complimentary travel insurance of up to RM300,000 when you charge your full fare air ticket(s) to this card.
| Travel Coverage | Sum Insured |
|---|---|
| Travel Insurance | Up to RM300,000 |
| Delayed Flight | Up to RM600 |
| Missed Flight | Up to RM600 |
| Lost Luggage | Up to RM1,600 |
| Delayed Luggage | Up to RM1,600 |
Balance Transfer
Transfer all of your other credit card balances into one account to enjoy attractive interest rates from 0% and repayment terms of up to 48 months.
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 0% p.a. and 1.99% one-time upfront handling fee | from RM500 |
| 12 months | 0% p.a. and 3.99% one-time upfront handling fee | from RM500 |
| 24 months | 3.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 36 months | 3.99% p.a. and no one-time upfront handling fee | from RM2,000 |
| 48 months | 4.99% p.a. and no one-time upfront handling fee | from RM3,000 |
Easy Payment Plans
Swipe on your purchases with selected BSN merchants and convert them into low and affordable monthly instalments.
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 6 months | 3% one-time upfront handling fee | RM500 |
| 12 months | 4% one-time upfront handling fee | RM1,000 |
| 24 months | 5% one-time upfront handling fee | RM2,000 |
Fees & Charges
- Annual Fee
- RM0 primary card
Free for life without condition
- RM0 supplementary card
- RM0 primary 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 RM100
- Cash withdrawal Fee
- RM10 or 5% of withdrawn amount, whichever is higher
- Interest Rate on Cash Withdrawals
- 18%
- Daily Maximum Cash Withdrawal
- Up to 75%
- Contact-less Payment Methods
- Visa payWave
Requirements
- Minimum Annual Income
- RM48,000
- Minimum Age
- 21 years old primary card
- 18 years old supplementary card
- Who can apply
- Malaysians 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.
Review
Credit Card » BSN
BSN Classic Visa
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Platinum Visa Credit Card-i
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Gold Visa Credit Card-i
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- No
BSN 1 TeachersCard MasterCard
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Gold Visa
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Platinum MasterCard Credit Card-i
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Visa Platinum
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- No
BSN-AIAFAM Visa Platinum Credit Card
- Min. Income
- RM2,666.67/month
- Annual Fee
- Free
- Cashback
- up to 0.8%
BSN Gold MasterCard
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Classic Visa Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Visa Cash Back Credit Card
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- up to 5%
BSN Classic MasterCard
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Gold MasterCard Credit Card-i
- Min. Income
- RM3,000/month
- Annual Fee
- Free
- Cashback
- No
BSN 1 TeachersCard MasterCard Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
UUM-BSN Gold MasterCard Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Platinum MasterCard
- Min. Income
- RM4,000/month
- Annual Fee
- Free
- Cashback
- No
BSN Classic MasterCard Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
UUM-BSN Platinum MasterCard Credit Card-i
- Min. Income
- RM5,000/month
- Annual Fee
- Free
- Cashback
- No
BSN G-Card Credit Card-i
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
BSN G-Card Visa Credit Card
- Min. Income
- RM2,000/month
- Annual Fee
- Free
- Cashback
- No
✕
