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Happy Points rewards
BSN Gold Credit Card
BSN Gold Credit Card

BSN Gold Credit Card

RM 3,000Min. Monthly Income
RM 0Annual Fee
13.5% p.aInterest Rate

Earn 1x Happy Point per RM1 locally, 2x on overseas spend, 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 1-3 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

  • Earn 1x Happy Point for every RM1 spent locally and 2x points on overseas transactions. Points can be redeemed for electronic gadgets, beauty and health products, household items, Enrich Miles or AirAsia Points.

  • Complimentary travel insurance coverage of up to RM100,000, including compensation for flight delays and lost luggage.

  • 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

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Product Terms and ConditionsView now

Frequently Asked Questions (FAQ)

How can i receive BSN Reward Points for overseas spendings?
For all your retail transactions made internationally, the BSN Visa Gold Credit Card rewards you with 2x Happy Points. Not travelling all that often? Don’t worry, you’ll still earn 1x Happy Points for all your local retail transactions too.
How can BSN Visa Gold protect me during travelling?
When you want to travel the world with lesser worries, you’ll be glad to know the BSN Visa Gold Credit Card offers travel insurance coverage for up to RM100,000.

The travel inconveniences that can be covered would be flight delays, lost or delayed luggage, as well as missed connection flights. Just be sure to charge all your flight tickets to your credit card.

Additionally, you will have no problem paying for all your expenses and purchases overseas as the BSN Visa Gold Credit Card would be accepted at almost any outlet worldwide. On top of that, this credit card also works at any ATMs all around the world if you need to withdraw some cash, as long as Visa cards are accepted.
How can save more with this credit card?
At any participating outlets, you could make use of the 0% interest EasyPay Plan which lets you convert your purchases into monthly installments. Yes, there’s no additional interest.

Not only that, you can also enjoy a low finance rate at only 11% per annum. However, this only applies if you are a government servant. Otherwise, you’ll still enjoy a low interest rate, but at 13.5% per annum if you’re working under private sectors. This interest rate is still lower than the usual rate charged by other credit cards. Do take note this low interest rate only applies if you pay your payments every month for 12 months consecutively.
How do I apply for the BSN Visa Gold Credit Card?
Enjoy a hassle-free application process at CompareHero. In just two quick and easy steps, all you need to do is fill in your necessary information and complete the form. Once you’ve submitted your application, we will immediately help you to process it.

Reach out to our customer service at +6012-385 0211 should you run into any problems or face certain issues while applying with our online application form.
What are the BSN Visa Gold Credit Card requirements?
Your monthly income should be RM3,000 and above whereas your age has to be 21 years and above for the principal card. For supplementary cardholders, the minimum age requirement is 18 years old.
Is there an annual fee for the BSN Visa Gold Credit Card?
There will not be any annual fees for the BSN Visa Gold principal and supplementary credit cards. All cardholders will not be required to obey any rules or specific conditions in order to be exempted from paying the annual fees as it is free for life.
What are the fees or charges applied, if any?
There will be a late payment charge which costs around 1% of the total amount due or RM10. A cash advance fee will be charged as well, which is 5% of the total cash advance amount.
What are the top benefits of the BSN Visa Gold Credit Card?

• Earn 2x Happy Points for all overseas transactions

• Earn 1x Happy Points for all local transactions

• Receive travel insurance for up to RM100,000
Who is the BSN Visa Gold Credit Card suitable for?
The BSN Visa Gold Credit Card will be suitable for those who prefer to get rewards for every purchase instead of cashback in order to redeem gifts and products. It will also be a good option for frequent travellers since international transactions will earn more Happy Points.