BSN Al-Aiman Gold Credit Card
Earn 2x Happy Points overseas and 1x locally on this Islamic card with no annual fee.
Eligibility
Minimum Monthly Income
RM 3,000 (RM 36,000 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 1 months payslip; or
- Latest EPF statement; or
- EA Form; or
- BE Form
- Employee Confirmation Letter (For Army and Police personnel, please attach a copy of Authority Card)
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
Collect Happy Points on local and overseas transactions through the BSN Happy Rewards Programme. Earn 1x Happy Point for every RM1 spent locally and 2x on overseas transactions, then redeem them for gifts, vouchers, Enrich Miles or AirAsia Points.
Convert Happy Points to Enrich Miles or receive complimentary travel Takaful coverage of up to RM100,000, including travel inconvenience benefits, when full airfare is charged to the card.
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.
This card is Shariah-compliant and operates under the Ujrah concept, where fees are charged for card services and benefits.
Terms and Conditions
Product review by CompareHero
When you apply for the BSN Al-Aiman Gold Credit Card, you’ll enjoy savings, rewards and travel privileges. This credit card might just even make your life much easier and convenient.
Ample savings with the BSN Al-Aiman Gold Credit Card
Enjoy low management fees of only 11% a year if you’re working as a Government servant or 13.5% a year if you’re working under the Private sector. This low management fee only applies when you pay your credit card repayments for 12 months consecutively.
Plus, there will be no annual fees for the BSN Al-Aiman Gold Credit Card, applied to both principal and supplementary cardholders for a lifetime. No specific requirements or conditions are required as well.
Earn Happy Points for all your spendings
To be able to earn rewards for each time you pay with your BSN Al-Aiman Gold Credit Card is the most rewarding feeling ever. For every RM1 that you’ve spent locally, earn 1x Happy Points whereas overseas transactions would earn you 2x Happy Points.
All the accumulated Happy Points willbe expired after 3 years, so don't forget to redeem gifts, vouchers and products from the BSN exclusive catalogue.
Enjoy travel privileges with your BSN Al-Aiman Gold Credit Card
While travelling abroad, you won’t have to worry about your shopping and dining expenses as the BSN Al-Aiman Gold Credit Card is accepted at more than 29 million outlets. For times when you need to withdraw cash, the credit card is also accepted at more than 1 million ATMs, as long as a visa card will be accepted.
Besides that, if you charge all your travel flight tickets to the BSN Al-Aiman Gold Credit Card, you’ll automatically receive an insurance coverage that goes up to RM100,000. This covers travel inconveniences such as lost or delayed luggage, missed connection flights or flight delays.
Frequently Asked Questions (FAQ)
How do I apply for the BSN Al-Aiman Gold Credit Card?
What are the BSN Al-Aiman Gold Credit Card requirements?
Is there an annual fee for the BSN Al-Aiman Gold Credit Card?
What are the fees or charges applied, if any?
What are the top benefits of the BSN Al-Aiman Gold Credit Card?
• Receive 2x Happy Points for all overseas transactions
• Receive 1x Happy Points for all local transactions
• Gain travel insurance for up to RM100,000