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BSN Gold Card

Enjoy the rewards when you travel or just sit at home. Use this card to shop, eat or travel at any time.

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 3000
  • icon Interest Rate
    Interest Rate
    13.5% p.a.
  • icon Cashback
    Cashback
    -
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • 2 BSN rewards points for overseas retail transactions
  • Up to RM300,000 insurance coverage for Travel Accident
  • Complimentary BSN Zing PLUSMiles Card
  • icon dining Dining

    • 2 BSN Happy Rewards points for every RM1 spent dining overseas
    • 1 BSN Happy Rewards point for every RM1 spent dining locally/li>
  • icon shopping Shopping

    • 2 BSN Happy Rewards points for every RM1 spent shopping overseas
    • 1 BSN Happy Rewards point for every RM1 spent shopping locally/li>
  • icon petrol Petrol

    1 BSN Happy Rewards point for every RM1 spent
  • icon entertainment Entertainment

    1 BSN Happy Rewards point for every RM1 spent
  • icon groceries Groceries

    1 BSN Happy Rewards point for every RM1 spent

icon tag Other Features

  • Free BSN Zing PLUSMiles is linked to this BSN Gold Card:
  • Insurance / Protection Plan: An insurance coverage of up to RM300,000 for Travel Accident and protection coverage against any Travel Inconvenience such as lost / delayed luggage, flight delays and missed flight connections (benefits apply when full airline fare is charged 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

icon groceries Card Information

Annual Fee
Min. Monthly Income RM 3000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder Free for life
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
Rewards points expiry N/A

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Local And International Rewards Await!

For every RM1 transaction that you perform with this card on your local retail purchases, you will get to enjoy 1 BSN Happy Rewards point. For overseas retail purchases, the points that you will get to enjoy is twice of the points earned from local retail transactions. 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

This card does not come with any annual fee (it 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 of 11% p.a. while a non-government employee will enjoy a finance charge of 13.5% p.a. If the minimum monthly payment is not made before the due date, you will be charged a late payment penalty of RM5 or 1% of the outstanding balance (depending on which is higher, up to a maximum of RM50). Effective 1 April 2015, all these charges are inclusive of the 6% GST.

Are You Eligible For The BSN Gold Card?

You will need to have a minimum monthly income of RM3,000 and to be at least 21 years old (for principal cardholder) or 18 years old (for supplementary cardholder) to apply for the BSN Gold Card.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as BSN Gold Credit Card-i and Maybank America Express Gold Card, which may match your requirements.

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