BSN Gold Visa credit card

Also available as MasterCard

BSN Gold Visa

Enjoy more from life whether you're travelling or at home. Use BSN Visa Gold for all your shopping, dining or travel needs anytime, anywhere!

  • 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 Gold 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

Earn evergreen Happy Rewards points with this credit card! Get 1 reward point for every RM1 spent and 2x the points when you spend overseas! Use them to redeem cool gifts.
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 with interest rates from 3.6% per month and payment terms up to 36 months. 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 Instalment-Pay offers repayment terms of 6, 12 and 24 months on any retail purchases at interest rates from 3% to 5%. No penalty fee for early payment. 0% interest and flexible repayment periods of 3 to 36 months with BSN EasyPay Plan when you shop at participating merchants.
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
Emergency Helpdesk and Free Travel Insurance (including compensation for delayed flights and lost luggage).
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
Enjoy a low Finance Charge of only 11% p.a.(for Government Servants) and 13.5% p.a.(for Private Sector Servants) when you settle your payments promptly on or before the payment due date.

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 Gold Visa review

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

Enjoy more from life with the Gold Visa, the credit card which gives you rewards wherever you shop. With Bank Simpanan Nasional’s free travel insurance, you’ll get complimentary coverage whenever you charge your full travel fares to your Gold Visa credit card.

Rewards Galore!

Earn Happy Reward Points whenever you charge your expenses to your BSN Gold Visa. For every Ringgit that you spend on local purchases, you’ll be rewarded with 1 point. Spend overseas, and this you’ll get 2 points for every RM 1. That’s double the rewards!

You can collect these points and redeem them for a wide array of exciting prizes listed on myBSN Happy Rewards points catalogue. 

Low Interest Balance Transfer

It doesn’t matter if you’re looking to manage you credit balance with another bank or consolidate your debts for better credit management. Bank Simpanan Nasional offers 0% interest rates for balance transfer tenures of 12 and 24 months. 

For tenures between 3 to 9 months, you’ll get interest rates of 0.3% instead. 

Flexible Instalment Plans

Maybe you got a little excited over a purchase which you can’t afford immediately, but you don’t want to pay the regular credit card interest rates if you swipe for it. You can still get it with Easy Pay, a flexipay service offered by BSN.

With Easy Pay, you’ll be able to pay for your purchase in monthly instalments of either 6, 12 and 24 months. If you choose the shortest tenure of 6 months, you’ll only be charged 3% interest on your purchase; interest rates of 4% and 5% apply for the 12 and 24 month tenures respectively. 

Free Travel Insurance

We mentioned free travel insurance! All you have to do is to pay for your travel fare in full with your Gold Visa card, and you’ll be entitled to complimentary coverage of up to RM500,000. You’ll also be reimbursed if for lost and delayed luggage, as well as delayed and missed flight connections. 

No Annual Fee

We planned all along to save the best for last. Your BSN Gold Visa also comes with ZERO annual fee. That also means skipping the 6% GST attached to credit card annual fees - woohoo!

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