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.

    • Up to 24 months
    • Unrestricted selection of merchant
    • No early termination fee
  • Instalment PeriodInterest RateMinimum Amount
    6 months3% one-time upfront handling feeRM500
    12 months4% one-time upfront handling feeRM1000
    24 months5% one-time upfront handling feeRM2000

    How To Apply for BSN Instalment-Pay

    Get help with making your expensive shopping habits affordable

    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.

    Frequently Asked Questions about BSN Instalment-Pay

    Things you might want to know

    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.

    Read More

    Apply online now for BSN Instalment-Pay

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    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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