AIAFAM-BSN Visa Platinum Business credit card

AIAFAM-BSN Visa Platinum Business

Get a AIAFAM life insurance you deserve at a discount and also enjoy more savings whenever you make any retail purchases, be it local or overseas!

  • 13.5% p.a. management fee
  • 20 days interest-free period
  • up to 0.8% cashback
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for AIAFAM-BSN Visa Platinum Business

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Enjoy as low as 0% a month with the BSN Balance Transfer Programme

Don’t want low interest rates? Skip these questions if you just want a BSN card!
Leave it if you are not interested in BSN Balance Transfer
Minimum RM300 for 5 months, RM1000 for 6 to 24 months, or RM2000 for 36 months
You can transfer from up to 3 different credit cards
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Because you should be rewarded for giving the bank your business

Receive 0.8% cash back whenever you charge your AIAFAM life insurance payment to your credit card or you can opt to turn it into a 12 months installment Zero Interest Plan (ZIP). Also, enjoy 0.4% cash back for any local or overseas retail purchases!
Discover how much you can save when you shop with your new AIAFAM-BSN Visa Platinum Business
Cashback CategoryCashback RateMonthly CapSpend
AIAFAM Insurance PremiumSpendfrom RM601 and above in a single receipt0.8%uncappedfrom RM601 and above in a single receipt
Local And Overseas RetailSpendany amount in a single receipt0.4%uncappedany amount in a single receipt
Balance Transfer
Manage your credit card debts easier with BSN Balance Transfer Programme and enjoy 0% interest rate for the first half of your repayment for 12 and 24 months tenure.
Pay OverWith Interest Rate AtWhen You Transfer
3 months3.6% p.a. and no one-time upfront handling feefrom RM500 
6 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
9 months3.6% p.a. and no one-time upfront handling feefrom RM1000 
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months4.5% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about BSN Balance Transfer Programme
Easy Payment Plan (EPP)
With BSN Easy Pay Plan, you can now have flexible repayment between 3-36 months at no interest charges on your purchases at any participating merchants. Pay only an extra of one-time 3-5% handling fee with BSN Instalment-Pay when you shop at any non-participating merchant.
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 
36 months0% p.a. and no one-time upfront handling feefrom RM500 
Learn more about BSN EasyPay
Pay OverWith Interest Rate AtWhen You Spend
6 months3% one-time upfront handling feefrom RM500 
12 months4% one-time upfront handling feefrom RM1000 
24 months5% one-time upfront handling feefrom RM2000 
Learn more about BSN Instalment-Pay
Go on a vacation with a peace of mind with complimentary travel insurance coverage up to RM1000000 when you purchase flight ticket with your credit card. You'll also be financially protected against lost or delay of luggage, flight delay and missed connecting flights.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2000
Delayed LuggageUp to RM2000
Enjoy exclusive discounts and privileges from selected hotels, restaurants and retail outlets around the globe. Get yourself a free BSN Zing PLUSMiles Touch 'n Go Card which will auto reload RM100 and charge your credit card whenever the balance falls below RM50.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM75
Cash withdrawal fee
RM10.00 or 5.00% of withdrawn amount, whichever is higher
Contact-less Payment Methods


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Members Only


Get some extra help from your credit card when you need it most

Easy Payment Plan
BSN EasyPay
BSN Instalment-Pay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
BSN EasyCash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
BSN Balance Transfer Programme
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

AIAFAM-BSN Visa Platinum Business review

What's so good (or not so good) about it?

Being part of AIAFAM ( AIA Insurance Agency Force Association Malaysia) has its benefits and privileges, whether you're a policyholder of AIAFAM life insurance or a member of theirs as an agent or employee. Read on to discover the perks you can get out of the strategic partnership of BSN with AIAFAM!

Bottomless Cash Back

As straightforward as it sounds, uncapped cash back is what you get with AIAFAM- BSN Visa Platinum Business credit card. Enjoy 0.8% cash back on your AIAFAM life insurance premium when you charge the premium to your credit card.

You can either choose to rake in the 0.8% cash back or opt to convert your premium payment into 12 months installment with zero interest. If you are tight on cash but life insurance is something you would not compromise on, zero interest installment plan will come in handy to ease your burden.

That's not all the cash back you are entitled to! Get 0.4% unlimited cash back on other retail transaction such as auto-billing, online purchase, magazine subscription and many more regardless of local or oversea transaction.

No Annual Fee

What's all the cash back you can get if you have to pay a humungous fee every year? With AIAFAM- BSN Visa Platinum Business credit card lifetime annual fee waiver, you can enjoy all the benefits down to every single bit for free!

Always remember to settle your dues every month to avoid paying for interest charges, otherwise it defeats the purpose of annual fee waiver.

Complimentary Touch 'n Go Card

This credit card comes with a free BSN Zing PLUSMiles card which is not just an ordinary Touch 'n Go card. If you spend at least RM100 at PLUS, ELITE, BKE and LINKEDUA tolls with your PLUSMiles card, you will be entitled to 5% rebate off the total amount transacted. Bukit Kayu Hitam, Bangunan Sultan Iskandar and Tanjung Kupang tolls are not included.

Apart from that, you'll get 1 PLUSMiles point for every RM1 spent which can be used to redeem free reloads.

Ever drove to a Touch n' Go express lane only to realise that you card has insufficient balance? Avoid being in that embarrassing situation with BSN Zing PLUSMiles card as it will automatically reload RM100 by charging to your BSN card whenever the balance fall below RM50.

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