BSN Classic Card-i

  • Min. Monthly Income
    RM 2000
  • Interest Rate
    11% p.a.
  • Cashback
    -
  • Annual Fee
    Free
"Earn BSN Happy Reward points of up to 2x with all retail spending, on top of Travel Accident insurance coverage of up to RM100,000!"
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Key Features

Earn up to 2 BSN Happy Rewards points with retail spending

Earn up to 2 BSN Happy Rewards points with retail spending

Complimentary Travel Accident Insurance with coverage of up to RM300,000

Complimentary Travel Accident Insurance with coverage of up to RM300,000

Complimentary Travel Accident Insurance with coverage of up to RM300,000

Complimentary BSN Zing PLUSMiles Card

Benefits on...

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

More details

  • icon Eligibility/Documents Eligibility/Documents

    Min. Monthly Income
    RM 2000
    Min. Age for Principal Holder
    21

  • icon Fees and charges Fees and charges

    Other Fees and charges

    Late Payment Charges
    Higher of RM10 or 1% of outstanding balance, up to a maximum of RM50
    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
    Sales and Services Tax (SST)
    0% on annual fee and other charges

  • icon Supplementary Card Supplementary Card

    Min. Age for Supplementary Holder
    18 and above years old
    Fee for Supplementary Holder
    Free for life

  • icon Cash Advance Cash Advance

    Amount
    Up to 75% of credit limit
    Charge
    Higher of RM10 or 5% of cash advance amount

    Other cash advance info

    Cash Advance Interest Charge
    N/A

  • icon Others Others

    Rewards Points Expiry
    N/A

    Other benefits

    Free BSN Zing PLUSMiles card
    Protection Plan
    Travel Accident Insurance with coverage of up to RM100,000 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

Balance Transfer to any BSN credit cards

6 months

Interest Rate
0% p.a.
Min. Transfer Amount
RM500
One-time Upfront fee
2.00%

12 months

Interest Rate
4.50% p.a.
Min. Transfer Amount
RM500
One-time Upfront fee
-

24 months

Interest Rate
4.50% p.a.
Min. Transfer Amount
RM1,000
One-time Upfront fee
-

36 months

Interest Rate
4.88% p.a.
Min. Transfer Amount
RM2,000
One-time Upfront fee
-

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Review by iMoney

  • 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.
  • 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.

  • 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!