BSN Classic Visa
BSN Classic Visa
RM 2,000
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
1X Happy Points for every RM1 spent
Finance Charge as low as 11% p.a
ZERO Annual Fee
FREE BSN Zing PLUSMiles Card
Up to RM300,000 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 | 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 |
| Late payment fee | RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM75) |
| 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
FAQs
FAQs
The BSN Classic Visa offers more than what you need to make your life much easier. From earning rewards to low interest rates, you’ll want to own this credit card to reap fantastic benefits.
Be rewarded for all the times you spend money with your BSN Classic Visa Credit Card. Tend to shop locally? You’ll earn 1x Happy Points for every swipe. What’s more, if you travel every now and then, you’ll earn double - 2x Happy Points! Once you’ve accumulated a large number of Happy Points, you could redeem awesome products and gifts from the BSN Reward Point Catalogue! You’ll be spoilt for choice with the endless options for you to choose from including vouchers, home appliances, and many more
In comparison with most normal credit cards, the lowest interest rates start only at 18% per annum. But with the BSN Classic Visa, if you pay your payments on time for 12 consecutive months, you’ll enjoy a low interest rate of only 11% per year if you work in the government sector, and 13.5% per year if you work in private sectors.
What else would you be saving on? Annual fees! The BSN Classic Visa doesn’t require principal and supplementary cardholders to pay any annual fees for an entire lifetime. You won’t have to spend extra money every year for simply owning a credit card.
Do you always happen to travel on the road often, passing by tolls along the way? You’ll be glad to know the BSN Classic Visa offers a complimentary BSN Zing PLUSMiles Card that is linked to your BSN Classic Visa which can be auto-reloaded from the credit card.
While you’re travelling all over the word, you won’t have to worry about your BSN Classic Visa Credit Card not being accepted as this credit card is recognized at more than 29 million establishments as well as more than 1 million ATMs all over the world.
You could apply by filling up our online application that can be completed within two easy steps. Once you’ve successfully submitted your application, we will help to process it for you.
Having trouble or have any questions regarding our online application? You could contact our customer heroes at +6012-385 0211.
In order to qualify for the BSN Classic Visa Credit Card, your monthly income should be at least RM2,00 and above. All cardholders should also be 21 years old and above. In order for supplementary cardholders to apply, they would have to be 18 years old and above.
No, there won’t be an annual fee applied to both principal and supplementary cards. All cardholders will not have to adhere to any requirements or conditions to avoid paying the annual fees. In short, all cardholders will not be charged with any annual fees, no strings attached.
All cardholders will be charged with a sales and service tax fee, which is RM25, upon successful activation as well as during your card activation anniversary date. You have to pay a late payment fee if you fail to make your payments on time, which will be RM10 or 1% of the overdue amount, at a maximum amount of RM75. For all the times you withdraw cash using your credit card, there will be a fee as well, which is RM10 or 5% of the overall amount, depending on whichever is higher.
This credit card is suitable for those who love receiving rewards for every purchase. Aside from that, it would be a great option if you are looking for a credit card that doesn’t require any annual fees as well as low interest rates.
