BSN-Teachers Al-Aiman Gold Credit Card
2x Happy Points on overseas spend for teachers and MOE staff, with rates from 8.88% p.a.
Eligibility
Minimum Monthly Income
RM 2,000 (RM 24,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Teachers, lecturers, and employees working with Ministry of Education or approved institutions of higher education, including teachers of MRSM
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 salary slip or
- Latest EPF statement or
- Latest EA Form; or
- Form B with official tax payment receipt
Fees & Charges
Profit Rate
8.88% - 14%
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
8.88%
Features
Earn 1x Happy Point for every RM1 spent on local retail purchases and 2x points on overseas spend. Accumulated Happy Points can be exchanged for gifts, vouchers, Enrich Miles or AirAsia Points through the myBSN Reward Point Catalogue.
Complimentary Travel Accident and Inconvenience Takaful coverage of up to RM100,000 applies automatically when full travel fares are charged to the BSN-Teachers Al-Aiman Gold Credit 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.
A management rate of 8.88% p.a. applies on outstanding balances when payments are made on time.
Terms and Conditions
Product review by CompareHero
For great teachers who have contributed greatly to society in every possible way, this credit card is made just for you. With ample rewards and benefits, you’ll miss out if you don’t own the BSN-Teachers Al-Aiman Gold Credit Card.
Receive rewards with the BSN-Teachers Al-Aiman Gold Credit Card
Do you love travelling every few months? You should own the BSN-Teachers Al-Aiman Gold Credit Card because you’ll be rewarded with 2x Happy Points based on every RM1 you’ve spent so far. Don’t worry if you don’t shop regularly while travelling the world as you could receive 2x Happy Points for selected golf, dining or travel expenses locally. For other local expenses that don't fall in those categories, you will earn 1x Happy Points.
Be sure to make use of all your Happy Points and redeem great gifts or products before they expire in 3 years.
Plus, you will also be able to receive free supplementary cards when you add any of your loved ones as your supplementary cardholder, provided they are at least 18 years old and above.
BSN-Teachers Al-Aiman Gold Credit Card - Ample savings just for you
Save more with the BSN-Teachers Al-Aiman Gold Credit Card as you won’t have to pay any annual fees. Furthermore, you will also get to enjoy low interest fees which is only 8.88% a year instead of the usual 18% per year. As long as you pay your minimum payment for 12 months continuously without missing out any months in between.
Complimentary privileges offered by the BSN-Teachers Al-Aiman Gold Credit Card
All BSN-Teachers Al-Aiman Gold Credit Card cardholders will also receive an insurance coverage for up to RM100,000 when all flight tickets are charged to the credit card. Some of the travel inconveniences included are flight delays, lost or delayed luggage and missed connection flights.
Who can apply for the BSN-Teachers Al-Aiman Gold Credit Card?
Only employees or teachers working under Malaysia’s Ministry of Education as well as lecturers in private or public institutions of Higher Education and teachers of MRSM (MARA Junior Science College) can apply for this credit card.
How do I apply for the BSN-Teachers Al-Aiman Gold Credit Card?
You can apply for this credit card with our online application form. All you have to do is fill up the form and in two simple steps, you’ll be able to send in your application.
You can reach out to our customer service at: +6012-385 0211.
What are the BSN-Teachers Al-Aiman Gold Credit Card requirements?
You have to be earning a monthly income of RM2,000 in order to apply for this credit card. Your minimum age to apply for the principal card would be 21 years of age whereas supplementary cards would be 18 years old and above.
Is there an annual fee for the BSN-Teachers Al-Aiman Gold Credit Card?
No, there won’t be any annual fees applied to all cardholders, be it principal or supplementary. You don’t have to meet any certain requirements as well to avoid paying the annual fees.
What are the fees or charges applied, if any?
There will be a sales and service tax of RM25 charged to principal and supplementary credit cards. Late payment fees will be charged as well if you didn’t pay within the deadline, which is 1% of the total amount or RM10, capped at a maximum amount of RM100. If you use your credit card to withdraw cash, there will be a fee as well which is RM12.75 or 2.69% of the total amount.
What are the top benefits of the BSN-Teachers Al-Aiman Gold Credit Card?
- Receive 2x Happy Points for all overseas transactions
- Receive 2x Happy Points for selected local transactions under dining, gold and travel
- Receive 1x Happy Points for all local transactions
- Gain travel insurance for up to RM100,000
Who is the BSN-Teachers Al-Aiman Gold Credit Card suitable for?
It would be suitable for teachers or employees who need a handy credit card that provides rewards for local and international expenses, as well as for those who travel often.