UUM-BSN Gold MasterCard Credit Card-i

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.

UUM-BSN Gold MasterCard Credit Card-iComplimentary Travel Coverage
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
9.95% p.a.
20 days


Earn a 1x reward point for every RM1 charged to your credit card. For overseas spending, you get double the points! Reward points can be used to redeem great gifts and prizes with everything from IT gadgets to air miles.

BSN Happy Rewards Programme
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses


Receive an exclusive BSN Zing PLUSMiles Card for FREE that is linked to your UUM BSN Credit Card-i to enjoy toll rebates and discounts. You also get automatic takaful coverage of up to RM500,000 when you charge your full travel fares to your UUM-BSN Gold Credit Card-i.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1,600
Delayed LuggageUp to RM1,600

Low Management Fee

Shop at low low fees! Good value 9.95% APR interest rate with your new UUM-BSN Gold MasterCard Credit Card-i!


Donate to your alma mater! Every time you spend using your UUM BSN Credit Card-i, Bank Simpanan Nasional will contribute 0.3% of the total to Universiti Utara Malaysia.

Balance Transfer

Save on your outstanding credit card debts with the BSN Balance Transfer Programme that offers 0% interest for the first 6 months tenure of your repayment period.

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

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
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 75%
Contact-less Payment Methods
MasterCard PayPass


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


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.


UUM-BSN Gold MasterCard Credit Card-i — give back to your alma mater!

UUM-BSN Gold MasterCard Credit Card-i is an exclusive Shariah-compliant credit card for members of the UUM family! 

You’re grateful for your experiences in Universiti Utara Malaysia, and rightfully so. BSN makes it easy for you to give back to your alma mater.

Every time you swipe your credit card, Bank Simpanan Nasional will donate 0.3% of what you spend to UUM. 

So as long as you’ve got your UUM-BSN credit card at hand, you’re still a member of the UUM family for life.

Special low rates

This BSN Islamic credit card offers low management fees of 9.95%. 

Remember to pay your credit card bills regularly and on time to enjoy this special low rate!

All purchases are also given a 20-day interest-free period. 

So, if you buy something close to the end of the month, you’ll only have to worry about charges in the next bill.

Annual fee waiver for UUM-BSN Gold MasterCard Credit Cardholders

They say don’t pay for what you don’t use but with your UUM-BSN Gold MasterCard Credit Card-i the annual fees are completely free — only need a credit card for emergencies or special occasions? 

This card would be an ideal choice.

Planning to get a supplementary card and spread the benefits of being associated with UUM? No problem. 

There aren’t any annual fees for supplementary cards either.

Great rewards programme

You’ll earn rewards points whenever you swipe your UUM-BSN credit card. 

Collect these points and reward yourself with a wide range of gifts offered by BSN.

Browse the BSN gift catalogue to take a sneak peek at the great gifts and prizes you can redeem with your reward points! 

But the good news doesn’t stop there – spend overseas to get double the reward points!

UUM-BSN Gold MasterCard Credit Card-i easy application

UUM-BSN Gold MasterCard Credit Card-i is open to all students, staff, and alumni of Universiti Utara Malaysia. 

To qualify, you need to be at least 21 years of age and earn a minimum income of RM2,000 a month. 

Supplementary cardholders have to be at least 18 years of age.

What are the required documents to make an application?

For a smoother application journey, please prepare the following documents accordingly.

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); AND
  • Latest 3 months payslip/latest EPF Statement/EA Form/BE Form


  • A copy of your IC (both sides);
  • Latest 6 months company's 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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