BSN Gold MasterCard Credit Card-i credit card

Also available as Visa

BSN Gold MasterCard Credit Card-i

No fool's gold here. Swipe your way to more savings, no annual fees, and complimentary Takaful travel insurance with the BSN Gold MasterCard-i!

  • 13.5% p.a. management fee
  • 20 days penalty-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 Gold MasterCard Credit Card-i

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for BSN Gold MasterCard Credit Card-i

To help you better we need to know a little bit more about your application.

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
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to BSN website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

You can get so many great gifts with the BSN Happy Rewards Redemption programme! Earn 1 Reward Point for each RM1 that you spend locally and double the points for spending abroad!
BSN Happy Rewards Programme
1 point on every RM1local retail spending
2 points on every RM1overseas retail spending
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Consolidate your outstanding credit card debts with BSN Balance Transfer and save with the 12-month and 24-month programme, at 0% interest for the first half of your 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)
More spending flexibility at your disposal with BSN easy payment plans ( EPP). Enjoy 0% interest on monthly instalments when you shop at participating outlets. For other purchases get them with BSN Instalment-Pay with a minimal upfront fee of 3-5%.
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
Get free Takaful travel coverage when you charge your flight tickets to your brand new Islamic BSN credit card. Safe travels!
Travel CoverageSum Insured
Travel InsuranceUp to RM500000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM1600
Delayed LuggageUp to RM1600
Low Management Fee
Management fees as low as 13.5% p.a. for those who qualify. Government employees are eligible for special 11% rates!
Skip the queues at toll booths with a complimentary BSN ZING PLUSMiles Touch 'n Go card. Forget about the hassle of topping up your card's balance as RM100 will be automatically reloaded whenever the value falls below RM50 via your BSN credit card.

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
RM12.75 or 2.69% of withdrawn amount, whichever is higher
Management Fee on Cash Withdrawals


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 Gold MasterCard Credit Card-i review

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

It’s gold, classy, and it won’t cost you a thing! This Islamic credit card by Bank Simpanan Nasional Al Aiman also gives you free takaful coverage and other complimentary benefits.

Annual Fee Waiver

There are no strings attached. With your BSN Gold MasterCard Credit Card-i you won’t have to pay any annual fees for life. This benefit is also extended to supplementary cards as well – you’ll save a ton each year if you were planning to get a few supplementary cards for the family!
Rewards Points that never expire 

Every Ringgit that you spent on locally gives you 1 BSN Rewards Point. Meanwhile you’ll earn double the points when you spend overseas! Collect away and redeem the gifts that you want on BSN Happy Rewards Redemption Catalogue. 

Free Takaful Coverage

Remember to charge your full travel fare to your BSN Gold MasterCard Credit Card-i to get free Takaful coverage of up to RM500,000. You’ll also be covered for travel inconveniences of up to RM1600. 

Inconvenience benefits include coverage for lost luggage, luggage delays, flight misconnections and delays. 

0% Easy Payment Plan ( EPP)

Bank Simpanan Nasional offers two great flexi instalment pay plans. Shop at BSN participating merchants and you can pay back what you owe in monthly instalments with BSN’s EasyPay Plan. 

All you need is a minimum purchase of RM500 in a single receipt. You’ll be given 3 to 36 months to repay what you owe at 0% interest!

In case you purchase something from a non-participating BSN merchant, you can still enjoy zero interest rate with Instalment-Pay. However, you’ll have to pay a one-time upfront fee of 3% to 5% depending on the duration of your instalment plan.

0% Balance Transfer

Looking for a balance transfer? BSN offers zero interest for 12 and 24 months balance transfer, with a small catch. For example, a 24 months balance transfer plan offers 0% rate for the first 12 months only, while the rates for the subsequent 12 months are 0.375% per month.

Read More