BSN Platinum Credit Card
2x Happy Points on dining, golf, travel and overseas spend, with no annual fee for life.
Eligibility
Minimum Monthly Income
RM 4,000 (RM 48,000 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
2X Happy Points for Dining, Golf, Travel & Overseas spend and 1X Happy Points for Other spend.
Collect Happy Points and redeem them for gifts, vouchers, Enrich Miles or AirAsia Points. Complimentary travel insurance coverage of up to RM300,000, including travel inconvenience benefits, applies when flight tickets are purchased with 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.
Terms and Conditions
Product review by CompareHero
In need of a credit card that offers the best value for your money? You’ll be glad to know the BSN Visa Platinum Credit Card provides savings, rewards and privileges for all your purchases or transactions!
Enjoy ample rewards for your purchases
The BSN Visa Platinum Credit Card rewards you with 1x Happy Point for any local transactions and receives double the points, which is 2x Happy Points, for selected dining, travel or golf transactions. But for all your overseas transactions, you’ll earn 2x Happy Points.
Be sure to save your points in order to redeem the products or gifts you need from the BSN Rewards Catalogue!
Low interest rates to help you save more
It can really be a burden to pay high interest rates for all your credit card payments. Thankfully, the BSN Visa Platinum Credit Card offers one of the lowest interest rates around. If you’re in the government sector, you could enjoy a low interest rate of only 11% per annum. On the other hand, if you work in the Private sector, it will still be considered low, which is only 13.5% per annum.
Furthermore, enjoy a 0% interest rate when you transfer over your other credit card debts with the BSN Balance Transfer Programme. However, you must choose the repayment tenure of 6 months in order to be applicable for the 0% interest rate.
Exclusive privileges with the BSN Visa Platinum Credit Card
Travel with lesser worries thanks to the complimentary travel insurance plan! The BSN Visa Platinum Credit Card will cover up to RM300,000 as long as you purchase all of your flight tickets with it. You wouldn’t have to worry about any travel inconveniences such as your luggage getting lost and so on.
Not only that, but you’ll also receive a complimentary BSN Zing PLUSMiles card that’s linked to your BSN Visa Platinum Credit Card! Hence, you could travel around with ease knowing it’ll auto-reload your Touch ‘n Go card for you.
Frequently Asked Questions (FAQ)
How do I apply for the BSN Visa Platinum Credit Card?
What are the BSN Visa Platinum Credit Card requirements?
Is there an annual fee for the BSN Visa Platinum Credit Card?
What are the fees or charges applied, if any?
What are the top benefits of the BSN Visa Platinum Credit Card?
• Receive 2x Happy Points for selected local merchants under travel, golf or dining
• Receive 2x Happy Points for all international transactions
• Receive 1x Happy Points for every other local transaction
• Receive travel insurance coverage up to RM300,000