• Min. Monthly Income

    RM2,000

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

Shopping

  • 2 mata BSN Happy Rewards bagi setiap RM1 yang dibelanjakan untuk membeli-belah di luar negara
  • 1 mata BSN Happy Rewards bagi setiap RM1 yang dibelanjakan untuk membeli-belah di dalam negara

Petrol

  • 1 mata BSN Happy Rewards bagi setiap RM1 yang dibelanjakan

Entertainment

  • 1 mata BSN Happy Rewards bagi setiap RM1 yang dibelanjakan

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) - 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
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

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