BSN Al-Aiman Classic Credit Card
An Islamic entry-level card earning Happy Points on all spend, with no annual fee.
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Malaysians Only
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3 months salary slip or
- Letter of Employment or
- Latest EPF statement or
- Latest EA and BE Form
Fees & Charges
Profit Rate
13.5% - 17.5%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Waived for life
Late Payment Compensation
RM 50 or 5% of the outstanding amount, whichever is higher
Profit Rate
13.5%
Features
2X Happy Points for every RM1 spent overseas and 1X Happy Points for every RM1 spent locally
The BSN Instalment-Pay Plan lets cardholders convert purchases at selected BSN merchants into 0% interest instalments, with a one-time upfront fee of 3% to 5% of the item's value.
Transfer outstanding balances from other credit cards to BSN and pay 0% interest, with a choice of 6-month or 12-month repayment tenure.
Finance charge starts from 11% p.a. for government servants and 13.5% p.a. for private sector employees, provided the minimum payment is settled on or before the due date.
Terms and Conditions
Product review by CompareHero
If you’re in need of a credit card that offers rewards and privileges based on Shariah-concept, you might want to give the BSN Al-Aiman Classic Credit Card a chance! Not only will you be able to save more, you’ll enjoy all the benefits at the same time.
Earn great rewards with your BSN Al-Aiman Classic Credit Card
Shop and spend with your BSN Al-Aiman Classic Credit Card in order to receive 1x Happy Point per RM1! This applies to local transactions only, though. Even better if you travel overseas every now and then because if you make all your purchases with the BSN Al-Aiman Classic Credit Card, you’ll be able to earn 2x Happy Points per RM1.
With all the ample Happy Points you’ve earned within 3 years, you could redeem gifts, vouchers and products from the BSN Happy Rewards Programme Catalogue.
More savings with the BSN Al-Aiman Classic Credit Card
Other credit cards usually charge a minimum interest rate of 18% per year. But the BSN Al-Aiman Classic Credit Card offers much lower than that! If you’re part of the government sector, you’ll get to enjoy a low rate of only 11% per year. For private sectors, you’ll enjoy 13.5% per year. Of course, these low rates only apply if you manage to make your payments on time for 12 continuous months.
Save even more with the BSN Al-Aiman Classic Credit Card as there are no annual fees. Principal or supplementary cardholders are not required to pay annual fees for the rest of your life. The plus point is that you don’t need to fulfil any obligations or conditions in order to get your annual fee waived for life.
Frequently Asked Questions (FAQ)
How do I apply for the BSN Al-Aiman Classic Credit Card?
Our customer service hotline can be reached at +6012-385 0211. They are able to attend and respond to all of your enquiries in order to help you apply for this credit card with ease.
What are the BSN Al-Aiman Classic Credit Card requirements?
Is there an annual fee for the BSN Al-Aiman Classic Credit Card?
What are the fees or charges applied, if any?
What are the top benefits of the BSN Al-Aiman Classic Credit Card?
• Receive 2x Happy Points for your overseas transactions
• Receive 1x Happy Point for your local transactions
• No annual fees