BSN Visa Platinum credit card

BSN Visa Platinum

Get a little more of everything with the BSN Visa Platinum - global privileges, premium insurance protection and best of all, its totally free.

  • 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 Visa Platinum

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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 points for every Ringgit you spend with your card! Get 1 Happy Rewards point for every RM1, and twice that when you spend overseas, on dining, golf and travel. Reward yourself and redeem great gifts - gadgets, household appliances, vouchers and much more!
BSN Reward Points
2 points on every RM1travel, dining, golf and overseas retail spending
1 point on every RM1local retail spending.
Your BSN Reward Points earned expires in  3 years
Balance Transfer
BSN Balance Transfer offers attractive interest rates from 3.6%p.a. and repayment terms of up to 36 months. Find out how much more you can save when you get a choose a 12 or 24 month balance transfer with 0% interest on 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)
BSN Instalment-Pay offers repayments terms of 6, 12 and 24 months on any retail purchases at one-time interest rates from 3-5%. Take advantage of BSN EasyPay when you shop at participating outlets and enjoy 0% interest with no handling fees and tenures of 3 to 36 months!
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
Collect rewards and redeem Enrich Miles.
Travel CoverageSum Insured
Travel InsuranceUp to RM1000000
Delayed FlightUp to RM600
Missed FlightUp to RM600
Lost LuggageUp to RM2000
Delayed LuggageUp to RM2000
Get a free BSN Zing PLUSMiles Card with its convenient auto reload facility!

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 Visa Platinum review

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

Say hello to a little more of everything with your Visa Platinum credit card by Bank Simpanan Nasional. Exclusive rewards and privileges await you!

More For Your Money

BSN Visa Platinum is the ideal card if you’re looking for both rewards and savings in one great card. Unlike other credit cards that charge you high annual fees for the perks that come with a platinum card, there are no annual fees!

What’s more, there are many exciting gifts to be redeemed! For every Ringgit that you spend, you’ll earn Happy Rewards. Bank Simpanan Nasional gives you 1 reward point for local purchases. Spend overseas and this rate is doubled. That’s 2x reward points for every RM1 that you swipe to your BSN Visa Platinum.

Low Interest = More Savings

Get more value for the money that you spend. If you overspend at any month, BSN still offers low interest rates of 13.5% on your credit balance. Plus you’ll also get a 20-day interest free period on all purchases. You won’t have to worry about interest charges, especially if you shop just a little too much and too close to when your credit card bill is due.

Paying too much on your credit balance with other banks? Consolidate your debt onto your Visa Platinum and get more savings! BSN Balance Transfer Programme offers interest rates as low as 0% for repayment tenures for either 12 or 24 months. 

Travel Privileges too!

Remember to charge your travel tickets to your BSN Visa Platinum and you’ll get complimentary coverage. This includes travel insurance of up to RM1,000,000 and travel inconvenience benefits for issues such as lost and delayed luggage, and cancelled or delayed flights. 

Your BSN Visa Platinum also gives you special privileges and discounts at hotels, restaurants and retailers across the globe.

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