BSN Gold Visa Credit Card-i credit card

Also available as MasterCard

BSN Gold Visa Credit Card-i

Annual fee waivers for life? Free Takaful travel insurance? You'll get great rewards and even better savings with this BSN Islamic Gold Visa credit card!

  • 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 Visa 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 Visa 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

Collect points on local and overseas transactions to redeem exciting gifts and vouchers with BSN Happy Rewards Programme! You'll get 1 Reward Point for every RM1 you spend locally and double when you swipe 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
Get more savings with BSN Balance Transfer Programme - you'll pay 0% interest for the first half of your repayments when you choose 12 or 24-months 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)
Convert your purchases into monthly instalments at zero interest and charges with BSN EasyPay Plan, only when you shop at participating outlets. For purchases at non-participating outlets you can opt for BSN Instalment-Plan with repayment tenures of 6, 12 and 24 months - but you'll have to pay an 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
Travel perks coming your way! Swap rewards points for Enrich Miles or get complimentary Takaful travel insurance and inconvenience benefits when you charge your airfare in full to your BSN credit card.
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 private sector employee. If you're a civil servant take full advantage of the special 11% rate.

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
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 Gold Visa Credit Card-i review

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

Wishing to get more benefits out of a credit card? Then BSN Gold Visa Credit Card-i is the credit card for you. With no conditions attached you can get 5 freebies: free annual fee waiver, supplementary cards, BSN Zing PLUSMiles Card, rewards points and travel insurance!

No Annual Fees, Ever!

You read it right the first time – No annual fee! Not just when you sign up, but for the rest of your life with no additional conditions attached. So keep your BSN Gold Visa Credit Card-i in your back pocket at all times to yield in benefits. And we’re only just getting to the best part!
Rewards Points.

Swipe like you mean it, because every Ringgit that you spend on local transactions rewards you with 1 Happy Rewards point. Spend abroad and you’ll get double the points! Accumulate these rewards points to redeem some cool gifts. 

BSN Happy Rewards Programme offers a wide range of gifts to claim, from gadgets, vouchers, home appliances, kids, travel, living style and more! 

Low Interest Rate

Most banks charge management fees of up to 18% p.a. on your outstanding balance. With BSN Gold Visa Credit Card-i you can enjoy lower rates ranging from 13.5% to 17.5% p.a. If you're a government employee you can enjoy even lower rates of 11%! 

On the other hand, you can simply ignore these interest rates if you are able to settle your outstanding credit card balance each month in full. 

Complimentary Travel Insurance

Charge all your travel and airfares to your BSN credit card to get free Takaful coverage of up to RM500,000. It also comes with travel inconvenience benefits for loss of luggage, luggage delays, flight delays and missed connections for up to RM1600.

Free Supplementary Cards

With its annual fee waiver, Bank Simpanan Nasional offers you up to a maximum of 5 free supplementary cards. You can extend the cards to your spouse, children and other immediate family members who are 18 years old and above.

Read More