• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    11% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

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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
5.35/10
Shopping
5.35/10
Petrol
5.33/10
Entertainment
5.35/10
Groceries
5.35/10

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

17.5% 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

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!