BSN Classic Credit Card
Happy Points on every RM1 spent with a minimum income requirement of RM2,000 a month.
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 1-3 months salary slip or
- Letter of Employment or
- Latest EPF statement or
- Latest EA and BE Form
Fees & Charges
Interest Rate
13.5% - 17.5%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Waived for life
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
13.5%
Features
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
The BSN Classic Visa offers more than what you need to make your life much easier. From earning rewards to low interest rates, you’ll want to own this credit card to reap fantastic benefits.
BSN Classic Visa - offering rewards you’ll love
Be rewarded for all the times you spend money with your BSN Classic Visa Credit Card. Tend to shop locally? You’ll earn 1x Happy Points for every swipe. What’s more, if you travel every now and then, you’ll earn double - 2x Happy Points!
Once you’ve accumulated a large number of Happy Points, you could redeem awesome products and gifts from the BSN Reward Point Catalogue! You’ll be spoilt for choice with the endless options for you to choose from including vouchers, home appliances, and many more
Save more with the BSN Classic Visa
In comparison with most normal credit cards, the lowest interest rates start only at 18% per annum. But with the BSN Classic Visa, if you pay your payments on time for 12 consecutive months, you’ll enjoy a low interest rate of only 11% per year if you work in the government sector, and 13.5% per year if you work in private sectors.
What else would you be saving on? Annual fees! The BSN Classic Visa doesn’t require principal and supplementary cardholders to pay any annual fees for an entire lifetime. You won’t have to spend extra money every year for simply owning a credit card.
Exclusive privileges offered by the BSN Classic Visa
Do you always happen to travel on the road often, passing by tolls along the way? You’ll be glad to know the BSN Classic Visa offers a complimentary BSN Zing PLUSMiles Card that is linked to your BSN Classic Visa which can be auto-reloaded from the credit card.
While you’re travelling all over the word, you won’t have to worry about your BSN Classic Visa Credit Card not being accepted as this credit card is recognized at more than 29 million establishments as well as more than 1 million ATMs all over the world.
Frequently Asked Questions (FAQ)
How do I apply for the BSN Classic Visa Credit Card?
What are the BSN Classic Visa Credit Card requirements?
Is there an annual fee for the BSN Classic Visa Credit Card?
What are the fees or charges applied, if any?
What are the top benefits of the BSN Classic Visa Credit Card?
• Earn 2x Happy Points for all international expenses
• Earn 1x Happy Points for all local expenses
• Zero annual fees
• Free PLUSMiles Card and toll discounts