• RM
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    • Annual FeeFree
    • Balance TransferFrom 0% p.a.
    • Easy Payment PlanFrom 0% p.a.
    • Interest Rate8.88% p.a.
    • Interest-free20 days
    • Min. IncomeRM2,000/month
      • Overview

      • Tailored to all Malaysian government employees, this credit card gives you attractive Happy Points, complimentary travel benefits, low finance charges and zero annual fees for life.

      • Rewards (BSN Happy Rewards Programme)

      • Get 2,000 Happy Points when you swipe at least 3 times within 30 days from your card's approval date. Spend RM1 on retail spend locally and overseas and earn 1x Happy Points and 2x Happy Points respectively.

      • Travel

      • Enjoy complimentary travel and inconvenience benefits when you purchase flight ticket(s) with this card.

      • Balance Transfer

      • BSN Balance Transfer offers attractive interest rates from 0% p.a. and repayment terms of up to 48 months.

      • Flexible Payments

      • BSN Instalment-Pay offers repayments terms of 6, 12 and 24 months on any retail purchases at one-time interest rates from 3-5% p.a. Take advantage of BSN EasyPay when you shop at participating outlets and enjoy 0% interest with no handling fees and tenures from 6 to 36 months!

      • Additional Premium

      • Enjoy a hassle-free bill payment every month with BSN Autobilling with zero service charges. Get a free BSN Zing PLUSMiles Card, BSN Merchant Privileges and more!

      • Features
      • CriteriaDetails
        Card TypeVisa
        Interest Free Period (Days)20
      • Fee
      • CriteriaDetails
        Min Cash Withdrawal FeeRM10 or 5%
        Min Late PaymentRM10 or 1% of outstanding amount, up to a maximum of RM75
      • Min Monthly Payment
      • CriteriaDetails
        Min Monthly Payment5% or RM50 of outstanding amount, whichever is higher
      • Easy Payment
      • MonthsInterest Rate (%)Upfront Interest (%)Minimum Amount (RM)Max Amount (RM)
        60-500-
        360-500-
      • Balance Transfer
      • MonthsUpfront Interest (%)Interest (%)Minimum Amount (RM)
        61.990500
        1203.99500
        2403.991000
        3603.992000
        4804.993000
      • Rewards Points Tiers
      • ApplicabilityPointsPer RinggitValidity (Years)
        On all local purchases113
        On all overseas purchases213
      • Travel Insurance
      • CriteriaAmount (RM)
        Lost Luggage Compensation1,600
        Travel Insurance Coverage100,000
        Delayed Luggage Compensation1,600
        Delayed Flight Compensation600
        Personal Accident Coverage-
        Missed Flight Connection Compensation600
      • Annual Percentage Rate
      • CriteriaInterest Rate (%)
        Prompt Repayment every month8.88
        Prompt Repayment 10 out of 12 months13
        Prompt Repayment of less than 10 out of 12 months17.5
        Interest rate on cash withdrawal18
      • Supplementary Card
      • CriteriaDetails
        Minimum Age (Years)18
      • Eligibility
      • CriteriaDetails
        Minimum Age21
        Who Can ApplyMalaysian Government employees