BSN Al-Aiman Gold Credit Card
BSN Al-Aiman Gold Credit Card
RM 3,000
Minimum monthly income
RM 0
Annual fee
waived for life
13.5%
Interest rate p.a
0%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Rewards/Offers, No Annual Payments, Travel & Islamic
2X Happy Points for every RM1 spent overseas
1X Happy Points for every RM1 spent locally
Islamic Credit Card
ZERO Annual Fee
Up to RM100,000 travel insurance
Low management fee
Eligibility
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | waived for life |
| Annual fee waiver | Yes | waived for life |
| Interest rate | 13.5% | First Year: Pay at least minimum payment by due date; Second Year onwards: Settling minimum payment due by the due date for 12 consecutive month |
| Balance transfer rate (fixed) | 0% | 12 months Balance Transfer period |
| Annual fee |
RM 0 waived for life |
| Annual fee waiver |
Yes waived for life |
| Interest rate |
13.5% First Year: Pay at least minimum payment by due date; Second Year onwards: Settling minimum payment due by the due date for 12 consecutive month |
| Balance transfer rate (fixed) |
0% 12 months Balance Transfer period |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Government Employees)
- Photocopy of NRIC (both sides)
- Latest 1 month salary slip or Employee Confirmation Letter (For Army and Police personnel, need to attach a copy of Authority Card)
Salaried Employees (Private Sector Employees)
- Photocopy of NRIC (both sides)
- Latest 3 months' salary slips, or
- Latest EPF statement
- Latest EA Form
- Latest Form BE
Self-Employed
- Photocopy of NRIC (both sides)
- Latest B Form with official tax receipt for the latest 2 years
- Copy of Form 9, 24 and 49 or Business Registration Form
-
Latest 6 months company's bank statements
Commision Earner
- Photocopy of NRIC (both sides)
- Latest EA/BE Form with official tax receipt
- Latest 6 months commission statements/ Annual commision statement; or
BSN Al-Aiman Gold Credit Card Terms and Conditions.
BSN Al-Aiman Gold Credit Card Product Disclosure Sheet.
FAQs
FAQs
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.
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.
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.
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.
You could apply for the BSN Al-Aiman Gold Credit Card with our online application form. All you need to do is fill up the application in two steps. Once you’ve completed the online form, we will help to process it. If you have any questions, you can reach out to our customer service at +6012-385 0211.
The minimum age requirement for principal cards is at least 21 years old and above whereas supplementary cards are at least 18 years old and above. As for the minimum income requirement, you must be earning at least RM3,000 and above.
There will be no annual fees when you apply for this credit card, applicable for principal and supplementary cards. You will not be required to adhere to any rules or conditions in order to get your annual fee waived for the rest of your life.
There is a cash withdrawal fee of minimum RM12.75 or 2.69% of the amount withdrawn, whichever is higher if you take out cash using your credit card. Besides that, there will be a late payment fee too for times when you didn’t manage to repay back your monthly payments, which is RM10 or 1% of the total amount due.
A credit card like this would be suitable for those who prefer low management fees as well as travel privileges if you travel on a frequent basis. It’s also for those who want to earn rewards for every purchase.
