INGIAFAM-BSN Visa Platinum Business credit card

INGIAFAM-BSN Visa Platinum Business

Premium privileges with a conscience. Get cash back when you pay for your INGIAFAM insurance premiums or when your out and about shopping at the mall.

  • 13.5% p.a. management fee
  • 20 days interest-free period
  • up to 0.8% cashback
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Benefits

Because you should be rewarded for giving the bank your business

Cashback
Exclusive for members - choose between '0.8% Cashback' or '12-months Zero Interest Plan (ZIP)' when you charge your INGIAMFAM life insurance premiums to your credit card. Get 0.4% cashback for all local and overseas retail transaction!
Discover how much you can save when you shop with your new INGIAFAM-BSN Visa Platinum Business
Cashback CategoryCashback RateMonthly CapSpend
INGIAFAM Insurance PremiumSpendfrom RM601 and above in a single receipt0.8%uncappedfrom RM601 and above in a single receipt
Local And Overseas RetailSpendany amount in a single receipt0.4%uncappedany amount in a single receipt
Balance Transfer
Save on your outstanding credit card balance with BSN Balance Transfer Programme. 0% interest for the first half of your repayments for 12 and 24 month tenures!
Pay OverWith Interest Rate AtWhen You Transfer
3 months3.6% p.a. and no one-time upfront handling feefrom RM500 
6 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
9 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about BSN Balance Transfer Programme
Easy Payment Plan (EPP)
Choose flexible repayment between 3-36 months at 0% interest with BSN Easy Pay Plan when you shop at participating merchants. BSN Instalment-Pay offers payments terms of 6, 12 and 24 months on any retail purchases with one-time interest payments from 3% to 5% for non-participating merchants.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
Learn more about BSN Instalment-Pay
Premium
Global acceptance - Enjoy special discounts and benefits ranging from dining, shopping to travel privileges at selected merchants outlets worldwide

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75

Requirements

Are you eligible for this credit card?

Minimum annual income
RM32000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Members Only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
BSN EasyPay
BSN Instalment-Pay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
BSN EasyCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
BSN Balance Transfer Programme
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

INGIAFAM-BSN Visa Platinum Business review

What's so good (or not so good) about it?

Enjoy financial flexibility and great savings with the INGIAFAM- BSN Visa Platinum Business – built for business and to help members save on their INGIAFAM associated insurance premiums. Enjoy annual fee waivers, cashback, zero interest and more!

Annual Fee Waiver

Never worry about credit card annual fees again because they’re waived for life! Yes, that’s right. Zero annual fees for primary and supplementary cards – which means won’t pay any Goods and Service Tax for your INGIAFAM- BSN Visa Platinum Business unless you make a cash withdrawal.

There’s no catch here! Unlike most cards which require minimum spending each month or a number of swipes to qualify for this waiver, Bank Simpanan Nasional guarantees that your credit card won’t cost you a Ringgit!

Cash Back or ZIP

BSN offers two different exciting ways for you to save money on your insurance premiums with its 0.8% Cash Back Programme and Zero Interest Programme (ZIP). Both will help you save money, but you can only pick one. You’ll have to decide which programme you’d like to enroll for when you apply for your INGIAFAM- BSN Visa Platinum Business card.

For the cashback programme you’ll get 0.8% cash back when you charge at least RM601 to your credit card for INGIAFAM insurance premiums. But if you decide to go with ZIP instead, your INGIAFAM life insurance premiums will be converted to interest free repayments over 12 months when you charge it to your credit card.

Cashback or ZIP? You’ll save money either way. What you need to know is that whatever your choice, you’ll still get 0.4% cash back on ALL your retail purchases both locally and overseas!

Welcome Gift

Apply now and get a free BSN Zing PLUSMiles Card as a sign up gift. This smart Touch ‘n Go card is linked to your INGIAFAM- BSN card and will automatically reload whenever the balance drops below RM50 for hassle-free trips and parking.

INGIAFAM Membership

To qualify for this credit card you need to be 21 years old and earn a minimum income of RM32,000 annually. Supplementary cardholders need to be at least 18 years old. Sign up for your very own INGIAFAM- BSN Visa Platinum business card if you’re a member of INGIAFAM.

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