• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    8.88% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • Earn BSN rewards points from your retail spending with up to 2x points
  • Up to RM500,000 Travel Accident insurance coverage
  • Complimentary BSN Zing PLUSMiles Card
Dining
5.35/10
Shopping
5.35/10
Petrol
5.33/10
Entertainment
4.8/10
Groceries
4.8/10

Dining

  • 2 BSN Happy Rewards points for every RM1 spent dining overseas
  • 1 BSN Happy Rewards point for every RM1 spent dining locally

Shopping

  • 2 BSN Happy Rewards points for every RM1 spent shopping overseas
  • 1 BSN Happy Rewards point for every RM1 spent shopping locally

Petrol

  • 1 BSN Happy Rewards point for every RM1 spent

Entertainment

  • 1 BSN Happy Rewards point for every RM1 spent

Groceries

  • 1 BSN Happy Rewards point for every RM1 spent

Other Features

  • Free BSN Zing PLUSMiles card

  • Protection Plan

    • Travel Accident Insurance with coverage of up to RM500,000 and Travel Inconvenience Benefits covering lost or delayed luggage, flight delay, and missed connection when charging full airline fare to this credit card

  • Balance Transfer

    • Min. transfer amount: RM500 (3 months tenure); RM1,000 (6 – 24 months tenure); RM2,000 (36 months tenure) </br> - 3/6/9 months: 0.3% per month, 3.6% per annum; 0% one-time upfront fee - 12 months: 0% for first 6 months, 0.3% per month thereafter; 0% one-time upfront fee - 24 months: 0% for first 12 months, 0.375% per month thereafter; 0% one-time upfront fee - 36 months: 0.375% per month, 4.5% per annum; 0% one-time upfront fee

  • Instalment Plan

    • 0% Instalment Payment Plan at all participating merchants

-Contribution to Yayasan Guru Malaysia Berhad - BSN will contribute 0.2% of all retail spend to YGMB

-Will Writing Services - Enjoy basic Will Writing services at a special price of RM300 instead of RM350

Card Information

Annual Fee Free
Min. Monthly Income RM2,000.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder Free for life
Finance charges 8.8% p.a. – prompt payments for 12 consecutive months

9.9% p.a. – prompt payment of at least 10 out of 12 months

14% p.a. – if the above are not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM50

Cash advance amount

Up to 75% of credit limit

Cash advance charge

Higher of RM10 or 5% of cash advance amount

Cash advance interest charge

N/A

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Getting Rewarded Everywhere!

For all local retail purchases, you get 1 BSN Happy Rewards point for every Ringgit spent. Not only that, BSN 1 TeachersCard MasterCard allows you to earn double BSN Happy Rewards points for every Ringgit spent dining and shopping overseas! It also comes with complimentary BSN Zing PLUSMiles card which is linked to this card and protection plan including Travel accident Insurance and Travel inconvenience Benefits when full airfare is charged to this card.

Fees and Charges

There is no annual fee for this card. The prevailing finance charges are 8.88% per annum if the minimum repayment (5% of the outstanding balance or a minimum of RM50, whichever is higher) is paid by the payment due date. If the repayment is paid after the due date, it will be 14% . As a late payment charge, higher of RM5 or 1% of outstanding balance, up to a maximum of RM50 will apply. All these charges are subjected by 6% GST effective 1 April 2015.

Are You Eligible For The BSN 1 TeachersCard MasterCard?

To apply for BSN 1 TeachersCard MasterCard, you need to be teacher or employee under the Ministry of Education Malaysia or a lecturer serving in Public/Private Institutions of Higher Education. In addition to that, you need to have minimum monthly income of RM2,000 and to be at least 21 years old for principal holder or 18 years old and above for supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as BSN 1 Teachers MasterCard Credit Card-i and CIMB World MasterCard, which may match your requirements.

If you prefer to broaden your credit card search, review more BSN credit cards and start comparing today!