UUM-BSN Platinum MasterCard Credit Card-i

Enjoy low-interest rates, non-compounding fees, and free takaful coverage with UUM-BSN Platinum MasterCard Credit Card-i!

UUM-BSN Platinum MasterCard Credit Card-iExclusively for the UUM community
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


Charge purchases on your credit card to earn reward points. Each RM1 will give you 1 reward point, or 2 points for overseas spending. Use your accumulated points to claim fantastic gifts for your lifestyle ranging from travel gear, gadgets, kitchenware and vouchers.

BSN Happy Reward
2 points on every RM1on overseas spending
1 point on every RM1on local spending


Get free Travel Takaful coverage, including compensation for delayed flights and lost luggage. Protection of up to RM1,000,000 when you charge your full travel fare to your new UUM-BSN credit card!

Travel CoverageSum Insured
Travel InsuranceUp to RM1,000,000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM2,000

Low Management Fee

Want a low-interest credit card? Get a good value of 9.95% APR interest rate now with BSN and University Utara Malaysia!


Give back to UUM whenever you swipe using your UUM BSN Credit Card-i. Bank Simpanan Nasional will donate 0.3% of what your spend to University Utara Malaysia.

Balance Transfer

Save on your credit card debts with BSN Balance Transfer. Zero interest on your repayments for 6 months tenure and as low as 4.5% for 12 and 24 months tenure.

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 for just a minimal upfront fee of 3-5%.

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


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.


Redeem Exciting Gifts with UUM-BSN Platinum MasterCard Credit Card-i!

For every Ringgit that you spend locally, you’ll get 1 Reward Point. 

Double the points when you swipe your UUM-BSN Platinum MasterCard Credit Card-i overseas! 

These Reward Points can then be used to redeem gifts through BSN Happy Rewards – vouchers, gadgets, home appliances, kitchen appliances and more.

Savings All Year Round

Never pay any annual fees with your UUM-BSN credit card! 

Both the primary and supplementary cards come with their annual fees waived. 

That gives you savings the moment you sign up, and every year after!

What’s more, you won’t have to pay any GST because the annual fees are completely free.

Bank Simpanan Nasional also offers special 0% interest rates for its Balance Transfer programme. 

You can save hundreds of Ringgit just by transferring your existing credit card debts to a new low-interest BSN credit card!

Shop to your heart's content with BSN Instalment-Pay which offers a minimal 3-5% upfront fee for 6, 12 or 24 months of repayment terms.

Even More Benefits

A platinum MasterCard comes with platinum benefits. Sign up now and you’ll also get a free BSN Zing PLUSMiles card!

Get free travel insurance when you charge your flight tickets to your UUM-BSN Islamic credit card.

You’ll get automatic takaful coverage of up to RM1,000,000, as well as inconvenience coverage for lost and delays in luggage, flight delays and missed connections.

On top of that, BSN will give the principal and supplementary cardholder a BSN Zing PLUSMiles Card for toll rebates and discounts.

The BSN Zing PLUSMiles Card is a Touch 'n Go card that's linked to your BSN credit card, designed with an auto-reload feature to ensure you always have a smooth journey.

Low-Interest Rates for UUM-BSN Platinum MasterCard Credit Cardholders

Overspend sometimes? 

UUM-BSN Platinum MasterCard Credit Card-i also gives you low management fees of 9.95%.

Plus all purchases come with a 20-day interest-free period to give you added flexibility to manage your repayments.

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

Any Malaysian UUM Members (UUM Grads, Alumni, Staff) aged 21 years and above are eligible to apply. You also must be earning RM60,000 to be eligible for this credit card.

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); 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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