• Min. Monthly Income

    RM3,000.00

  • Interest Rate

    13.5% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • 2 BSN rewards points for overseas retail transactions
  • Up to RM300,000 insurance coverage for Travel Accident
  • 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 points for every RM1 spent dining overseas
  • 1 BSN Happy Rewards point for every RM1 spent dining locally

Shopping

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

Petrol

  • 1 BSN Happy Rewards point for every RM1 spent

Entertainment

  • 1 BSN Happy Rewards point for every RM1 spent

Groceries

  • 1 BSN Happy Rewards point for every RM1 spent

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

Card Information

Annual Fee Free
Min. Monthly Income RM3,000.00
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 13.5% p.a. – prompt payments for 12 consecutive months

16% 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

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!