BSN Visa Platinum

Get a little more of everything with the BSN Visa Platinum — global privileges, premium insurance protection and best of all, it's totally free.

BSN Visa PlatinumNo Annual Fee
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 points for every Ringgit you spend with your card! Get 1x Happy Reward Points for every RM1, and twice that when you spend overseas. Reward yourself and redeem great gifts — gadgets, household appliances, vouchers and much more!

BSN Happy Rewards Programme
2 points on every RM1overseas retail spending
2 points on every RM1local dining, golf and travel outlet
1 point on every RM1local retail spending


Collect rewards and redeem Enrich Miles. Get complimentary coverage for travel inconveniences when you purchase your flight tickets with this card as well.

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


Get a complimentary BSN Zing PLUSMiles Card with its convenient auto-reload facility!

Balance Transfer

BSN Balance Transfer offers attractive interest rates from 0% p.a. and repayment terms of up to 48 months. Find out how much more you can save when you get to choose a 12, 24, 36 or 48 months balance transfer!

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

BSN Instalment-Pay offers repayment terms of 6, 12 and 24 months on any retail purchases at one-time interest rates from 3-5%. Or you can also opt for BSN EasyPay for any other participating merchant.

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

  • 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
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.


Say hello to a little more of everything with your Visa Platinum credit card by Bank Simpanan Nasional. Exclusive rewards and privileges await you!

BSN Visa Platinum — More for your money

BSN Visa Platinum is the ideal card if you’re looking for both rewards and savings in one great card. 

Unlike other credit cards that charge you high annual fees for the perks that come with a platinum card, there are no annual fees!

What’s more, there are many exciting gifts to be redeemed! For every Ringgit that you spend, you’ll earn Happy Rewards. 

Bank Simpanan Nasional gives you 1x reward points for local retail purchases and 2x reward points for local golf, dining and travel spending. 

For every overseas retail spend, you will get a double point. 

That’s 2x reward points for every RM1 that you swipe to your BSN Visa Platinum.

Low Interest = More Savings

Get more value for the money that you spend. If you overspend at any month, BSN still offers low-interest rates of 13.5% on your credit balance. 

Plus you’ll also get a 20-day interest-free period on all purchases. 

You won’t have to worry about interest charges, especially if you shop just a little too much and too close to when your credit card bill is due.

Paying too much on your credit balance with other banks? 

Consolidate your debt onto your Visa Platinum and get more savings! BSN Balance Transfer Programme offers interest rates as low as 0% for repayment tenures of 6 months. 

BSN Visa Platinum Travel Privileges

Remember to charge your travel tickets to your BSN Visa Platinum credit card and you’ll get complimentary coverage. 

This includes travel insurance of up to RM300,000 and travel inconvenience benefits for issues such as lost and delayed luggage and cancelled or delayed flights. 

Your BSN Visa Platinum also gives you special privileges and discounts at hotels, restaurants and retailers across the globe.

On top of that, your BSN credit card also comes with a BSN Zing PLUSMiles card, and a Touch 'n Go auto-reload card that is linked to your BSN Platinum Credit Card and helps you save on toll fares.

What are the eligibility criteria and the documents needed to make an application online?

Any Malaysian citizens aged a minimum of 21 years and earning at least RM48,000 annually are eligible to apply online for the BSN Visa Platinum Credit Card.

Additionally, please prepare the following documents for a smoother 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)
  • 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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