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Min. Monthly Income
RM2,000.00
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Interest Rate
11% p.a.
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Balance Transfer
0% p.a.
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Annual Fee
Free
Feature Highlights
- Earn up to 2 BSN Happy Rewards points with retail spending
- Complimentary Travel Accident Insurance with coverage of up to RM300,000
- Complimentary BSN Zing PLUSMiles Card
Dining
- 2 BSN Happy Rewards points for every RM1 spent dining overseas
- 1 BSN Happy Rewards points for every RM1 spent dining locally
Shopping
- 2 BSN Happy Rewards points for every RM1 spent for shopping overseas
- 1 BSN Happy Rewards points for every RM1 spent for shopping locally
Petrol
- 1 BSN Happy Rewards points for every RM1 spent for petrol
Entertainment
- 2 BSN Happy Rewards points for every RM1 spent for entertainment overseas
- 1 BSN Happy Rewards points for every RM1 spent for entertainment locally
Groceries
- 2 BSN Happy Rewards points for every RM1 spent for groceries overseas
- 1 BSN Happy Rewards points for every RM1 spent for groceries locally
Other Features
Free BSN Zing PLUSMiles card
Protection Plan
Travel Accident Insurance with coverage of up to RM300,000 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)
- For 3 / 6 / 9 months: 0.3% per month, 3.6% per annum; 0% one-time upfront fee
- For 12 months: 0% for first 6 months, 0.3% per month thereafter; 0% one-time upfront fee
- For 24 months: 0% for first 12 months, 0.375% per month thereafter; 0% one-time upfront fee
For 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
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 | 11% p.a. – prompt payments for 12 consecutive months |
13.5% p.a. – prompt payment of at least 10 out of 12 months |
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17.5% p.a. – if the above are not met |
Sales and Services Tax (SST) | 0% 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 |
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Get Rewarded Locally and Internationally!
Get 1 BSN Happy Rewards point for every RM1 transaction that you perform with this card on your local retail purchases. For overseas retail purchases, you can double up your points for every RM1 spent (after converting into RM). A complimentary BSN Zing PLUSMiles card is also linked to this card. On top of that, there is an insurance (protection) plan for the cardholder with the protection coverage mainly on travel accident insurance and travel inconvenience benefits when full airfare is charged to this card.
Fees and Charges
The annual fee for this card is waived for life. With minimum monthly repayment (5% of the outstanding balance or the minimum amount that is set by the card issuer), a government employee will enjoy a finance charge from 11% p.a. while a non-government employee will enjoy a finance charge from 13.5% p.a. A late payment penalty of RM5 or 1% of the outstanding balance (depending on which is higher, up to a maximum of RM50) will be charged if you do not make the minimum monthly payment before the due date. All these charges are inclusive of the 6% GST, effective 1 April 2015. Are You Eligible For The BSN Classic Card-i? You will need to be at least 21 years old (for principal cardholder) or 18 years old (supplementary cardholder) and have a minimum monthly income of RM2,000 to apply for the BSN Classic Card-i.
Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as BSN Classic Credit Card and Bank Islam Classic Card-i, which may match your requirements.
If you prefer to broaden your credit card search, review more BSN credit cards and start comparing today!