BSN Classic Visa credit card

Also available as MasterCard

BSN Classic Visa

From low interest fees to free travel insurance coverage to zero interest instalment plans, there's a lot that this card has to offer!

  • 13.5% p.a. management fee
  • 20 days interest-free period
  • 0% p.a. balance transfer over 24 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 2x reward points 

Apply online now for BSN Classic Visa

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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

Every RM1 spent on this card earns you 1 Happy Rewards point and twice that when you spend overseas. These evergreen points can be used to redeem yourself a gift, from kitchenware, travel gear, vouchers, to gifts for the kids.
BSN Happy Rewards Programme
1 point on every RM1on all local retail expenses
2 points on every RM1on all overseas retail expenses
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Excellent value BSN Balance Transfer offers interest rates from 0.3% per month and repayment terms between 3 to 36 months. Pay 0% interest on half your monthly repayments for 12 and 24-month tenures.
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)
BSN EasyPay offers 0% interest and repayments terms from 3 to 36 months at participating merchants. 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.
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
Travel safe! Get automatic insurance coverage of up to RM300,000 when you charge your full travel expenses to your BSN Classic credit card. Stop worrying about lost luggage or delayed flights.
Travel CoverageSum Insured
Travel InsuranceUp to RM300000
Delayed FlightUp to RM300
Missed FlightUp to RM300
Lost LuggageUp to RM1000
Delayed LuggageUp to RM1000
Low Management Fee
Below market interest rates! Enjoy 11% p.a. for government servants and 13.5%p.a. for private sector servants when you settle your minimum credit card bill payment on-time each month!
Free 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!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
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
Malaysians 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.

BSN Classic Visa review

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

It’s a classic credit card by Bank Simpanan Nasional that gives you reward points when you spend. You’ll also get low interest on your outstanding credit balance, as well as special rates on balance transfer and easy instalment plans.

Rewards For You

There’s nothing like a getting little extra when you spend. With BSN Classic Visa you’ll get 1x Reward Points for every Ringgit that you spend on local retail purchases. Shop overseas and you’ll get double the rewards!

Collect your Reward Points whenever you swipe with this Visa credit card. These points can then be used to redeem exciting gifts for you and the family! Whether it’s kitchenware, travel gear, vouchers, and even gifts for the kids, myBSN reward point catalogue has a gift just for you.

Special Low Rates

Think all credit card interest fees start at a high of 18%? Think again - only Bank Simpanan Nasional gives you interest rates as low as 11%p.a. for government sector and 13.5%p.a. for private sector employees with a Classic Visa credit card. And that’s not all. The annual fee for owning a BSN classic credit card is free for life.

Looking for a balance transfer with low interest rates? Bank Simpanan Nasional offers flexible balance transfer tenures between 3 and 36 months, with rates as low as 0% interest per annum for tenures of 1 and 2 years! With BSN Balance Transfer, you can consolidate your all your credit card debt into one card.

Or if you’re hoping to purchase a retail goodie which is out of your monthly budget, you can get it with easy payment plan ( EPP). BSN EasyPay offers payment terms of 6, 12 and 24 months at interest rates between 3%-5%. To qualify of BSN EasyPay, you’ll have to spend at least RM500 on a single receipt.

Fees And Requirements

To qualify for a BSN Classic Visa card, you need to earn a minimum income of RM24,000 a year. Applicants must be at least 21 years of age. If you’d like to apply for a supplementary card, the supplementary cardholder must also be at least 18 years of age. 

Late payment fees of RM10 or 1% of outstanding amount, up to a maximum of RM75 will be charged when you do not pay your monthly bills on time.

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