BSN Credit Cards

Bank Simpanan Nasional (National Savings Bank in English), is a Malaysian bank owned by the government. BSN operates and offers services via its branches and its agents (referred to as EB BSN). On 1st of Dcember 1974, the Malaysian Minister of Finance Tengku Razaleigh Hamzah. incorporated the bank. BSN has subsidiaries and associates operating in assets management, takaful as well as insurance. These subsidiaries are: Permodalan BSN Berhad (unit trust fund management), Prudential BSN Takaful Berhad (takaful), Gibraltar BSN Life Berhad (life insurance). The objective of BSN from inception has been to encourage, enhance and sustain a savings and investment culture amongst Malaysians. Out of the myriad of services and products BSN offers, we will be looking at BSN credit cards in this piece.

BSN Credit Cards

1. BSN Visa Cash Back Credit Card

Benefits:

• No Annual Fee
• 5% Cash Back on groceries, dining and petrol
• BSN Balance Transfer Programme
• 0.2% Unlimited Cash Back on other local retail spend
• BSN Instalment-Pay Plan
• 1% Unlimited Cash Back on overseas retail spend
• Cash Back will be credited on the following month statement cycle
• BSN 0% EasyPay Plan (EPP)
• Visa Platinum Privileges
• Complimentary Travel Accident & Inconvenience Benefits
• Credit Limit Increase
• BSN EasyCash Plan
• BSN Autobilling 
• Credit Shield & Bereavement
• BSN Auto Balance Conversion Programme
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year**
  
  **Perform minimum one transaction (any amount) with the card within 6 months from card approval date.

Requirements/Eligibility

• Citizenship: Malaysia
• Minimum Income: RM48,000 per annum / RM4,000 per month
• Minimum Age: Principal Card – 21 years old / Supplementary Card – 18 years old
• Annual Fee: Principal Card – No annual fee for life(no conditions attached) / Supplementary Card – No annual fee for life(no conditions attached) 

2. BSN-Teachers Gold Credit Card

Benefits:

• BSN Balance Transfer Programme
• Finance Charges as low as 8.88% p.a.
• BSN EasyCash Plan
• No Annual Fee
• BSN Happy Privileges 
• Worldwide Acceptance and Cash Advances 
• BSN Instalment-Pay Plan
• Payment Convenience
• BSN 0% EasyPay Plan (EPP)
• Complimentary Travel Accident & Inconvenience Benefits
• BSN Happy Rewards Programme
• Credit Limit Increase
• BSN Autobilling
• Credit Shield & Bereavement
• BSN Auto Balance Conversion Programme
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year**
  
  **Perform minimum one transaction (any amount) with the card within 6 months from card approval date

Requirements/Eligibility

• Teachers and employees under the Ministry of Education, Malaysia /Lecturers in approved Public / Private Institutions of Higher Education / Teachers of MARA Junior Science College (MRSM).
• Minimum income: RM24,000 p.a.
• Minimum Age: Principal Card – 21 years old / Supplementary Card – 18 years old

3. BSN G-Card Visa Credit Card

Benefits:

• Finance Charges as low as 8.88% p.a.
• BSN Balance Transfer Programme
• No Annual Fee for Life
• BSN 0% EasyPay Plan (EPP)
• Welcome Rewards For New Cardmembers
• BSN Autobilling 
• Up to 2X Happy Points
• BSN Happy Rewards Programme
• FREE Supplementary Card
• BSN Merchant Privileges
• Credit Limit Increase
• BSN EasyCash Plan 
• BSN Instalment-Pay Plan
• Credit Shield & Bereavement
• BSN Auto Balance Conversion Programme
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year**
  
  **Perform minimum one transaction (any amount) with the card within 6 months from card approval date

Requirements/Eligibility:

• Eligible for:
  1. Malaysian Government employees serving under any Ministry, Department, Statutory Bodies or Agencies
  2. Employees of Government-Linked Companies (GLC) / Government-Linked Investment Companies (GLIC)
• Minimum income: RM24,000 p.a. / RM2,000 per month
• Minimum Age:
  1. Principal Card – 21 years old
  2. Supplementary Card – 18 years old

4. BSN-AIAFAM Visa Platinum Credit Card

Benefits:

• No Annual Fee
• BSN Auto Balance Conversion Programme
• 0.8% Cash Back OR Zero Interest Plan (ZIP) for Life Insurance Premium exceeding RM601
• BSN EasyCash Plan 
• 0.4% Cash Back on Retail Spending
• BSN Instalment-Pay Plan
• FREE Supplementary Card
• Global Privileges
• BSN 0% EasyPay Plan (EPP)
• Credit Limit Increase
• BSN Balance Transfer Programme
• BSN Autobilling
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year** (**Perform minimum one transaction (any amount) with the card within 6 months from card approval date)

Requirements/Eligibility:

• Eligible AIAFAM members and policyholders
• Minimum income: RM32,000 p.a.
• Minimum Age: Principal Card – 21 years old / Supplementary Card – 18 years old
• Citizenship: Malaysia

5. BSN Platinum Credit Card

Benefits:

• No Annual Fee
• BSN Balance Transfer Programme
• Lower Finance Charge
• BSN EasyCash Plan
• Up to 2x Happy Points
• BSN Instalment-Pay Plan
• Happy Points Redemption
• BSN 0% EasyPay Plan (EPP)
• Global Privileges
• BSN Happy Rewards Programme
• Credit Shield & Bereavement
• BSN Autobilling 
• Credit Limit Increase
• BSN Auto Balance Conversion Programme
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year**
  
  **Perform minimum one transaction (any amount) with the card within 6 months from card approval date.

Requirements/Eligibility

• Minimum Income: RM48,000 per annum / RM4,000 per month
• Minimum Age: Principal Card – 21 years old / Supplementary Card – 18 years old
• Citizenship: Malaysia

6. BSN Gold Credit Card

Benefits:

• Finance Charge as low as 11% p.a.
• No Annual Fee
• BSN Merchant Privileges
• BSN Instalment-Pay Plan
• Worldwide Acceptance and Cash Advances 
• BSN EasyCash Plan
• Payment Convenience 
• BSN Happy Rewards Programme
• Complimentary Travel Accident & Inconvenience Benefits
• BSN Autobilling
• Credit Limit Increase
• BSN Balance Transfer Programme
• BSN 0% EasyPay Plan (EPP)
• Credit Shield & Bereavement
• BSN Auto Balance Conversion Programme
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year**
  
  **Perform minimum one transaction (any amount) with the card within 6 months from card approval date.

Requirements/Eligibility:

• Minimum Income: RM36,000 p.a. / RM3,000 per month 
• Minimum Age: Principal Card – 21 years old / Supplementary Card – 18 years old
• Citizenship: Malaysia

7. BSN Classic Credit Cards

Benefits:

• Finance Charge as low as 11% p.a.
• No Annual Fee
• BSN Balance Transfer Programme
• BSN Merchant Privileges
• Worldwide Acceptance and Cash Advances
• BSN Instalment-Pay Plan
• Payment Convenience
• BSN EasyCash Plan
• Credit Limit Increase
• BSN 0% EasyPay Plan (EPP)
• BSN Autobilling 
• Credit Shield & Bereavement
• BSN Happy Rewards Programme
• BSN Auto Balance Conversion Programme
• RM25 Service Tax Rebate for new Credit Cardmembers for the first year**
  
  **Perform minimum one transaction (any amount) with the card within 6 months from card approval date.

Requirements/Eligibility:

• Minimum Income: RM24,000 p.a.
• Minimum Age: Principal Card – 21 years old / Supplementary Card – 18 years old
• Citizenship: Malaysia

It is important to note that the requirements listed above for the BSN Credit Cards are not exhaustive. Visit BSN website for documents required to obtain a credit card that suits your needs.