UUM-BSN Gold MasterCard Credit Card-i credit card

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

  • 9.95% p.a. management fee
  • 20 days penalty-free period
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for UUM-BSN Gold MasterCard Credit Card-i

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Enjoy as low as 0% a month with the BSN Balance Transfer Programme

Don’t want low interest rates? Skip these questions if you just want a BSN card!
Leave it if you are not interested in BSN Balance Transfer
Minimum RM300 for 5 months, RM1000 for 6 to 24 months, or RM2000 for 36 months
You can transfer from up to 3 different credit cards
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Benefits

Because you should be rewarded for giving the bank your business

Rewards
Earn one 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 gadget to airmiles.
BSN Happy Rewards Programme
EarnSpent
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Save on your outstanding credit card debts with the BSN Balance Transfer Programme that offers 0% interest for the first half of your tenure for 12 and 24-month repayment periods.
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)
Flexible repayment periods of 3 to 36 months at zero interest and zero upfront fees with BSN EasyPay when you shop at participating outlets. BSN Instalment-Pay offers payments 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.
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
Travel
Receive exclusive BSN Zing PLUSMiles Card 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 RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1600
Delayed LuggageUp to RM1600
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!
Premium
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.

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM0
  • Free for life
Annual Fee for Supplementary Card
RM0
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM53.00

*inclusive of 6% GST

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
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.

UUM-BSN Gold MasterCard Credit Card-i review

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

This is an exclusive shariah compliant credit card for members of the UUM family! Get low management fees, annual fee waivers, reward points, and more with your UUM BSN Credit Card-i.

Give Back To Your Alma Mater!

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-I at hand, you’re still a member of the UUM family for life.

Special Low Rates

UUM BSN Credit Card-i MasterCard Gold 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

They say don’t pay for what you don’t use but with your UUM BSN 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-i. Collect these points and reward yourself from a wide range of gifts offered by BSN.

Browse the BSN gift catalogue to take a sneak peek of 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!

Easy To Apply

This card 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 RM2000 a month. Supplementary card holders have to be at least 18 years of age.

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