BSN Classic Visa
From low-interest fees to zero-interest instalment plans, there's a lot that this card has to offer!
- Annual FeeFree
- Balance TransferFrom 0% p.a.
- Easy Payment PlanFrom 0% p.a.
- Interest Rate13.5% p.a.
- Interest-free20 days
- Min. IncomeRM2,000/month
- Overview
From low-interest fees to zero-interest instalment plans, there's a lot that this card has to offer!
- Rewards (BSN Happy Rewards Programme)
Every RM1 spent on this card earns you 1 Happy Reward Point and twice that when you spend overseas. These evergreen points can be used to redeem gifts, from kitchenware, travel gear, or vouchers, to gifts for the kids.
- Travel
Get a complimentary BSN Zing PLUSMiles card, a Touch 'n Go card linked to your credit card with an auto-reload feature. Save more with toll rebates and discounts!
- Balance Transfer
Excellent value BSN Balance Transfer offers interest rates from 4.5% per month and repayment terms between 6 to 48 months. Pay 0% interest on your monthly repayments for 6-months tenure.
- Flexible Payments
For shopping at non-participating outlets convert your purchases with the BSN Instalment-Pay, where you have a one-time interest charge from 3-5% applied. No penalty fee for early payment.
- Low APR Benefits
Below market interest rates! Enjoy low finance charges of 11% p.a. for government servants and 13.5% p.a. for private sector employees when you settle your minimum credit card bill payment on time each month!
- Additional Premium
Complimentary Touch ‘n Go auto-reload card linked to your BSN Classic Visa. Enjoy fantastic toll rebates, discounts all year round, and a never-ending Touch 'n Go balance!
- Features
Criteria Details Card Type Visa Interest Free Period (Days) 20
- Fee
Criteria Details Min Cash Withdrawal Fee RM10 or 5% Min Late Payment RM10 or 1% of outstanding amount, up to a maximum of RM75
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Easy Payment
Months Interest Rate (%) Upfront Interest (%) Minimum Amount (RM) Max Amount (RM) 6 0 3 500 - 12 0 4 1000 - 24 0 5 2000 -
- Balance Transfer
Months Upfront Interest (%) Interest (%) Minimum Amount (RM) 6 1.99 0 500 12 0 3.99 500 24 0 3.99 1000 36 0 3.99 2000 48 0 4.99 3000
- Rewards Points Tiers
Applicability Points Per Ringgit Validity (Years) On all overseas retail expenses 2 1 3 On all local retail expenses 1 1 3
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 13.5 Prompt Repayment 10 out of 12 months 16 Prompt Repayment of less than 10 out of 12 months 17.5 Interest rate on cash withdrawal 18
- Supplementary Card
Criteria Details Minimum Age (Years) 18
- Eligibility
Criteria Details Minimum Age 21 Who Can Apply Malaysians Only