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BSN Kad Kredit Emas

Nikmati ganjaran apabila anda melancong atau hanya duduk di rumah. Gunakan kad ini untuk membeli-belah, makan atau melancong pada bila-bila masa.

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 3,000
  • icon Kadar Faedah
    Kadar Faedah
    13.5% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
  • icon Yuran Tahunan
    Yuran Tahunan

Ciri Utama

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

    • 2 BSN Happy Rewards points untuk setiap perbelanjaan RM1 untuk makan di luar negara
    • 1 BSN Happy Rewards point untuk setiap RM1 untuk makan yang dibelanjakan di dalam negara
  • icon shopping Beli-Belah

    • 2 mata BSN Happy Rewards bagi setiap RM1 yang dibelanjakan untuk membeli-belah di luar negara
    • 1 mata BSN Happy Rewards bagi setiap RM1 yang dibelanjakan untuk membeli-belah di dalam negara
  • icon petrol Petrol

    1 BSN Happy Rewards point untuk setiap RM1 yang dibelanjakan
  • icon entertainment Hiburan

    1 BSN Happy Rewards point untuk setiap RM1 yang dibelanjakan
  • icon groceries Barangan Runcit

    1 BSN Happy Rewards point untuk setiap RM1 yang dibelanjakan

icon tag Other Features

  • BSN Zing PLUSMiles percuma dikaitkan dengan Kad Emas BSN ini:
  • Pelan Insurans / Perlindungan: Perlindungan insurans sehingga RM300, 000 untuk Kecelakaan Perjalanan dan perlindungan perlindungan daripada sebarang Kesulitan Perjalanan seperti bagasi yang hilang / tertunda, kelewatan penerbangan dan sambungan penerbangan yang tidak dijawab (faedah dikenakan apabila tambang penerbangan penuh dikenakan ke kad kredit ini)
  • Pindahan Baki: Min. jumlah pindahan: RM500 (tempoh 3 bulan); RM1, 000 (6; tempoh 24 bulan); RM2, 000 (tempoh 36 bulan), 3 / 6 / 9 bulan: 0.3% sebulan, 3.6% setahun; 0% yuran pendahuluan sekali, 12 bulan: 0% untuk 6 bulan pertama, 0.3% sebulan selepas itu; 0% yuran pendahuluan sekali, 24 bulan: 0% untuk 12 bulan pertama, 0.375% sebulan selepas itu; 0% yuran pendahuluan sekali, 36 bulan: 0.375% sebulan, 4.5% setahun; Bayaran pendahuluan 0%
  • Pelan Ansuran: Pelan Bayaran Ansuran 0% untuk semua peniaga yang mengambil bahagian

icon info Card Information

Gaji Minimum Bulanan RM 3000
Min. age for principal holder 21
Fee for principal holder Percuma
Min. age for supplementary holder 18 tahun dan ke atas tahun
Fee for supplementary holder Percuma seumur hidup
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM50
Cash advance amount Sehingga 75% dari had kredit
Cash advance charge RM10.60 atau 5.3% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi)
Cash advance interest charge Tiada
Rewards points expiry Tiada

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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!

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