BSN Platinum MasterCard credit card

BSN Platinum MasterCard

Indulge in a world of Platinum privileges with BSN, offering you more benefits, more rewards, and more privileges for your money!

  • 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 

RinggitPlus will help you all the way! No wait for call, no paper form to fill in, just a simple chat.

Start Application

View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Earn 1 Happy Rewards point for ever ringgit charged and 2x the rewards when you spend overseas, on dining, golf and travel. Have fun with the rewards programme and claim gifts for your kids, family, home, kitchen, dining, and even sports.
BSN Happy Rewards Programme
2 points on every RM1on dining, golf, travel and overseas retail expenses.
1 point on every RM1on all other expenses
Your BSN Happy Rewards Programme earned expires in  3 years
Balance Transfer
Clear your debts with BSN Balance Transfer. Low interest rates of 3.6% and flexible repayment periods between 3 and 36 months. Pay 0% interest for the first 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)
Stretch your spending with BSN EasyPay. Enjoy 0% interest on purchases at participating outlets and repayment terms up to 36 months. For purchases at non-participating outlets, a one-time fee of 3-5% of the items value will be charged when you enrol your purchase with BSN Instalment-Pay plan.
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
Sign up and receive a complimentary BSN Zing PLUSMiles card. This little wonder is linked to your BSN Credit Account and auto reloads RM100 whenever your balance falls below RM50. The Zing PLUSMiles Card entitles you to toll rebates, merchant discounts, PLUSMiles points and many more exciting benefits!
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2000
Delayed LuggageUp to RM2000

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
Management Fee on Cash Withdrawals
Daily Maximum Cash Withdrawal
75% of total amount


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 Platinum MasterCard review

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

With more privileges and even more savings, BSN Platinum MasterCard provides more ways for you to indulge in a Platinum lifestyle. How much does it cost to up your game? Nothing at all - this credit card is free for life!

Enjoy Great Savings

Bank Simpanan Nasional offers more ways for you to enjoy savings with this platinum card. Starting with low interest rates of 13.5% on your credit card interest rates and 20 days interest-free period, you’ll be given a lot more flexibility when managing your purchases and repayments. 

It doesn’t stop there - the annual fees for your BSN Platinum MasterCard have been waived for life! So you don’t have to worry about swiping enough every month to make sure that you’re getting your money’s worth on your credit card.

Rewards Just For You

It’s not worth its weight in platinum if it doesn’t reward you accordingly. Get 1 Happy Rewards point for every Ringgit that you charge to you BSN credit card, this includes shopping, groceries, gadgets and more. Spend on dining or golf locally, and anywhere when you’re overseas and you’ll get double the rewards instead! Collect these Happy Rewards and use them to redeem some awesome gifts for you and your family. 

Travel Benefits

This BSN Card also offers you complimentary Automatic Travel Insurance where you as a card holder are covered up to RM1,000,000 when you charge your full travel fares to your BSN Card. 

Besides this, you'll also receive coverage for travel inconveniences such as, lost luggage and delays.

Free BSN Zing PLUSMiles card

When you sign up for a platinum credit card with Bank Simpanan Nasional and you’ll get a free BSN Zing PLUSMiles card. This smart card will reload whenever the balance falls below RM50 and automatically debit the top-up to your BSN account.  It’s a Touch ‘n Go card, but even niftier.

0% Balance Transfer

BSN gives you even more reasons to get a Platinum MasterCard with its Balance Transfer Programme. If you’re struggling with your monthly payments for other credit cards, Bank Simpanan Nasional offers repayment tenures of 1 or 2 years at 0% interest. 

You’ll be given a schedule to repay what you owe over the period, without having to worry about incurring more debt.

Read More