BSN Classic Credit Card

BSN Classic Credit Card


  • Annual Fee: Waived for life
  • Up to RM300,000 travel insurance coverage
  • Exclusive BSN Happy Rewards Programme
  • 1X point on local spending, 2X points on overseas spending
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

11% p.a.

Balance Transfer
Balance Transfer

0% for 12 months

Annual Fee
Annual Fee

RM 0.00

Credit Card's Promotion

  • 2X points for overseas spending
  • 1X points for local retail spending
Balance Transfer
Plan Tenure BSN Balance Transfer Rates
(Per Month)
Minimum Transfer (RM)
A 3 months 0.30% 500
B 6 months 0.30% 1,000
C 9 months 0.30% 1,000
D 12 months (0% for the first 6 months and subsequent months at 0.30%) 1,000
E 24 months (0% for the first 12 months and subsequent months at 0.375%)  1,000
F 36 months 0.375% 2,000
G* 12 months 0.00% 1,000

* Plan G offers for limited time only.


FREE Travel Accident & Inconvenience Benefits

Enjoy automatic insurance coverage of up to RM300,000 when you charge your full travel fares to your Classic Credit Card.

You will also be covered for any inconvenience as follows:


  Up To
Lost Luggage (more than 48 hours)
Delayed Luggage (more than 6 hours)
Flight Delay (more than 6 hours)
Missed Connection (more than 4 hours)
Low Interest
Condition Government        Private    
Classic / Gold / Platinum

Tier I :

  • First Year Membership pay at least minimum payment BY the payment due date.
  • Second Year Membership and onwards pay promptly at least minimum payment BY the payment due date for 12 consecutive months.
11% p.a. 13.5% p.a.

Tier II :

  • Second Year Membership and onwards pay promptly at least minimum payment BY the payment due date for at least 10 months in a 12- month cycle.
13.5% p.a. 16% p.a.

Tier III :

  • First Year Membership pay AFTER the payment due date.
  • Second Year Membership and onwards prompt repayment.
17.5% p.a. 17.5% p.a.
Annual fee RM 0.00
Annual fee condition Waived for life
Annual fee for suplementary card RM 0.00
Annual fee condition for supplementary card Waived for life
Minimum monthly payment 5% of outstanding balance or a minimum of RM50, whichever is higher
Late payment interest Minimum RM10 or 1% of the total outstanding balance as at statement date, whichever is higher subject to a maximum of RM75
Finance charge interest rate per month 0.92%
Finance charge interest rate per year 11%
Cash withdrawal 5% of the amount advanced or a minimum of RM10, whichever is higher
Cash withdrawal interest rate 18% p.a. or 1.5% p.m. of cash advance amount calculated on a daily basis
Balance transfer interest rate 0% for 12 months
Balance transfer max valid duration Up to 36 months

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