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 spend is included too. No annual fees for life!

BSN Visa Cash Back Credit CardNo annual fee for life
Min. Income
Annual Fee
up to 5%
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


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 spend can get you 0.2% unlimited cashback, while overseas spending earns you 1% unlimited cashback.

Groceries, Dining & Petrol5%RM15from RM3,000 or above monthly
Groceries, Dining & Petrol1%RM15from RM1,000up to RM2,999 monthly
Groceries, Dining & Petrol0.2%RM15from RM1up to RM999 monthly
Overseas Retail Spend1%uncappedfrom RM1 or above monthly
Other Local Retail Spend0.2%uncappedfrom RM1 or above monthly


Earn up to 5% cashback, capped at RM15 per month on petrol filling.


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 CoverageSum Insured
Travel InsuranceUp to RM300,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp 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 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 purchases and convert them into low monthly instalments. You may choose from the two payment plans below, depending on your needs and preference.

BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
Learn more about BSN EasyPay
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 without condition

  • 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 RM100
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
Visa payWave


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Malaysians Only


Easy Payment Plan
BSN EasyPay
Buy whatever you want with BSN EasyPay and enjoy a flexible instalment plan with 0% interest.
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.


Elevate your lifestyle with the all-new BSN Visa Cash Back Credit Card as this plastic card rewards you with attractive cashback for your daily needs. On top of that, you can pamper yourself with exclusive Visa Platinum privileges that come with this BSN credit card.

BSN Visa Cash Back Credit Card — No annual fee for life!

Forget about hefty annual fees. With BSN Visa Cash Back Credit Card, you don't have to pay an annual fee for a lifetime with no conditions attached — the supplementary card is included too.

All you have to pay for is the compulsory Sales & Service Tax of RM25, charged every year upon your BSN Visa Cash Back Credit Card anniversary date.

To qualify for this BSN credit card, you need to have a minimum income of RM48,000 per annum, or a monthly income of RM4,000.

Up to 5% cashback monthly

Cashback credit cards are popular among Malaysians and if used correctly, they are a great way to save money. This BSN Visa Cash Back Credit Card is no exception.

With this tiered cashback credit card, there are a total of three categories where you can spend and earn up to 5% cashback, capped at RM15 every month. 

Check out the table below:

Total Monthly Retail Spend (RM)Grocery, Dining and PetrolOther Retail SpendOverseas Retail Spend
1 - 999.990.2%0.2%1%
1,000 - 2,9991%0.2%1%
3,000 & above5%0.2%1%
Monthly CappingRM15 per categoryUnlimitedUnlimited

However, do note that any transaction made on donations, charities and government-related payments are not eligible for the cashback.

Complimentary travel insurance

To add on, travel with peace of mind knowing that you and your loved ones are protected whilst on your way to wherever destination around the globe that you dreamed of.

Getting this free travel insurance is easy. Every time you are about to check out, don't forget to charge your full fare air ticket(s) to BSN Visa Cash Back Credit Card and up to RM300,000 complimentary travel insurance is granted to you.

Any travel inconvenience such as the following will also be covered:

  • Lost / Delayed Luggage: Up to RM1,600
  • Delayed / Missed Flight: Up to RM600

Required documents

To complete your BSN Visa Cash Back Credit Card application, remember to prepare the required documents below:

Government Servant Private Sector Employee Self Employed Commission Earner
Copy of your IC (both sides)
  • Latest 1 month's payslip OR 
  • Employer Confirmation Letter (for Army & Police personnel, please attach a copy of the Authority Card)
  • Latest 3 months' payslip OR
  • Latest EPF statement
  • EA Form
  • BE Form
  • Latest 6 months' company bank statement AND the latest B Form with the official last 2 years' tax receipt
  • Copy of Form 9, 24 & 49 OR
  • Business Registration Certificate
  • Latest 6 months' commission statement OR
  • Annual commission statement OR
  • EA Form/BE Form with an official tax receipt
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