BSN Gold Visa
BSN Gold Visa
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
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 RM500,000 travel insurance
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 |
| 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
Reap the benefits and features of the BSN Visa Gold Credit Card. When you spend with this credit card, you’ll be rewarded while saving more at the same time.
For all your retail transactions made internationally, the BSN Visa Gold Credit Card rewards you with 2x Happy Points. Not travelling all that often? Don’t worry, you’ll still earn 1x Happy Points for all your local retail transactions too.
When you want to travel the world with lesser worries, you’ll be glad to know the BSN Visa Gold Credit Card offers travel insurance coverage for up to RM100,000. The travel inconveniences that can be covered would be flight delays, lost or delayed luggage, as well as missed connection flights. Just be sure to charge all your flight tickets to your credit card.
Additionally, you will have no problem paying for all your expenses and purchases overseas as the BSN Visa Gold Credit Card would be accepted at almost any outlet worldwide. On top of that, this credit card also works at any ATMs all around the world if you need to withdraw some cash, as long as Visa cards are accepted.
At any participating outlets, you could make use of the 0% interest EasyPay Plan which lets you convert your purchases into monthly installments. Yes, there’s no additional interest.
Not only that, you can also enjoy a low finance rate at only 11% per annum. However, this only applies if you are a government servant. Otherwise, you’ll still enjoy a low interest rate, but at 13.5% per annum if you’re working under private sectors. This interest rate is still lower than the usual rate charged by other credit cards. Do take note this low interest rate only applies if you pay your payments every month for 12 months consecutively.
Enjoy a hassle-free application process at CompareHero. In just two quick and easy steps, all you need to do is fill in your necessary information and complete the form. Once you’ve submitted your application, we will immediately help you to process it.
Reach out to our customer service at +6012-385 0211 should you run into any problems or face certain issues while applying with our online application form.
Your monthly income should be RM3,000 and above whereas your age has to be 21 years and above for the principal card.
For supplementary cardholders, the minimum age requirement is 18 years old.
There will not be any annual fees for the BSN Visa Gold principal and supplementary credit cards. All cardholders will not be required to obey any rules or specific conditions in order to be exempted from paying the annual fees as it is free for life.
There will be a late payment charge which costs around 1% of the total amount due or RM10. A cash advance fee will be charged as well, which is 5% of the total cash advance amount.
The BSN Visa Gold Credit Card will be suitable for those who prefer to get rewards for every purchase instead of cashback in order to redeem gifts and products. It will also be a good option for frequent travellers since international transactions will earn more Happy Points.
