BSN-Teachers Al-Aiman Gold Credit Card
BSN-Teachers Al-Aiman Gold Credit Card
RM 2,000
Minimum monthly income
RM 0
Annual fee
waived for life
8.88%
Interest rate p.a
0%
Balance transfer rate (fixed)
Product details
Product details
Features
Good for
Rewards/Offers, Islamic & No Annual Payments
2X Happy Points for every RM1 spent overseas
1X Happy Points for every RM1 spent locally
Islamic Credit Card
ZERO Annual Fee
Only applicable to Teachers and employees under the Ministry of Education, Malaysia /Lecturers in approved Public / Private Institutions of Higher Education / Teachers of MARA Junior Science College (MRSM)
Up to RM100,000 travel insurance
Eligibility
| Minimum monthly income | RM 2,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | waived for life |
| Annual fee waiver | Yes | waived for life |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM75) |
| Interest rate | 8.88% | 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 |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM75) |
| Interest rate |
8.88% 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):
Teachers, Staff of MOE & Lecturers from Public Institutions of Higher Learning:
- Photocopy of NRIC (both sides)
- Latest 1 month salary slip
Lecturers from Private Institutions of Higher Learning:
- Photocopy of NRIC (both sides)
- Latest 2 months salary slip; or
- Latest EPF Statement; or
- EA Form; or
- Form B with official tax payment receipt
BSN-Teachers Al-Aiman Gold Credit Card Terms and Conditions.
BSN-Teachers Al-Aiman Gold Credit Card Product Disclosure Sheet.
FAQs
FAQs
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.
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.
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.
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.
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.
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.
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.
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.
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.
- 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
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.
