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.

BSN Instalment-Pay
Up to 24 months
Merchant Selection
Early Termination Fee
No Fee

Interest Rates

Transfer your debt now to enjoy special low interest fees each month!

Instalment PeriodInterest RateMinimum Amount
6 months3% one-time upfront handling feeRM500
12 months4% one-time upfront handling feeRM1,000
24 months5% one-time upfront handling feeRM2,000

How to apply

Get help with making your expensive shopping habits affordable with BSN Instalment-Pay.

Shop for your dream items at any VISA or MasterCard merchants and convert your purchases to affordable monthly installments of up to 24 months.

  • Make a purchase of at least RM500 in a single receipt using your BSN Credit Card at any merchant.
  • Call BSN at 1300 885 855 three days after the purchase date or before your next Credit Card Statement date, whichever earlier.
  • Upon approval, your first installment will be shown in your next statement.

More Information

Shop interest free and avoid having a credit card bill sky high. With the BSN Instalment-Payment Plan, you get to buy what you want, when you want it and only get charged a one-time upfront interest. So, say goodbye to that pesky 18% p.a.

How does this work?

The next time you decide to make a purchase, of at least RM500 or over, in a single receipt, keep that receipt. Drop a call to BSN either three days after the date of purchase or before your next statement, whichever is earlier.

Have them convert your purchase for you over the phone. Select the repayment tenure you are comfortable with either 6, 12 or 24 months, and you’re good to go.

Repayment tenures are dependent on how much you spend. So, keep in mind that for purchases of less than RM1000 you are limited to a 6-month instalment plan. For purchases below RM2,000, you can choose between 6 months and 12 months for your repayment.

Lastly, for purchases of more than RM2000, you are able to choose between a 6-month, 12-month and 24-month installment plan.

What about the upfront interest?

The one-time upfront interest is based on the tenure you choose. For a 6-month tenure your interest is 3%, for a 12-month tenure the interest rate is at 4% and for a 24-month tenure the interest is only at 5%.

Keep in mind that they are only charged once on the overall amount. After that, your monthly instalments will be at 0% interest.


This easy payment plan is subject to BSN's terms and conditions. One thing you need to keep in mind, this plan will only work when you make your payments, in full on time. Late payments will result in a regular interest rate being charged.