Compare BSN cashback and Happy Points cards, alongside Al-Aiman Islamic options and tailored cards for educators, government employees, UUM and AIAFAM members. See the conditions behind lower financing rates.
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Visa / MastercardHappy Points rewards and no annual fee; 1X eligible local / 2X eligible overseas points.
No annual fee for life for principal and supplementary cards; no spending condition.
Visa / MastercardHappy Points rewards and no annual fee; 1X eligible local / 2X eligible overseas points.
No annual fee for life for principal and supplementary cards; no spending condition.
Visa / MastercardHappy Points rewards and no annual fee; 1X eligible local / 2X eligible overseas points.
No annual fee for life for principal and supplementary cards; no spending condition.
Visa / MastercardHappy Points rewards and no annual fee; 1X eligible local / 2X eligible overseas points.
No annual fee for life for principal and supplementary cards; no spending condition.
Visa / MastercardHappy Points rewards and no annual fee; selected local dining / golf / travel earns 2X points.
No annual fee for life for principal and supplementary cards; no spending condition.
Visa / MastercardHappy Points rewards and no annual fee; selected local dining / golf / travel earns 2X points.
No annual fee for life for principal and supplementary cards; no spending condition.
VisaAt RM3,000 monthly spend: 5% groceries / dining / petrol, capped at RM15 each; 0.2% other local and 1% overseas cashback.
No annual fee for life for principal and supplementary cards; no spending condition.
VisaFor government / GLC / GLIC employees: rates as low as 8.88%, 2,000 qualifying welcome Happy Points and no annual fee.
No annual fee for life for principal and supplementary cards; no spending condition.
VisaFor government / GLC / GLIC employees: rates as low as 8.88%, 2,000 qualifying welcome Happy Points and no annual fee.
No annual fee for life for principal and supplementary cards; no spending condition.
VisaEducation-sector card with financing as low as 8.88% p.a., Happy Points and up to RM100,000 travel cover.
No annual fee for life for principal and supplementary cards; no spending condition.
Visa / MastercardEducation-sector card with financing as low as 8.88% p.a., Happy Points and up to RM100,000 travel cover.
No annual fee for life for principal and supplementary cards; no spending condition.
MastercardUUM graduate / alumni / staff card: financing as low as 9.95% p.a., Happy Points and RM100,000 travel takaful.
No annual fee for life for principal and supplementary cards; no spending condition.
VisaEligible AIAFAM members / policyholders: 0.8% premium cashback OR 12-month ZIP; 0.4% other retail cashback.
No annual fee for life for principal and supplementary cards; no spending condition.
Gold & Platinum family designs shownMastercardUUM graduate / alumni / staff card: financing as low as 9.95% p.a., Happy Points and RM300,000 travel takaful.
No annual fee for life for principal and supplementary cards; no spending condition.
VisaFor authorised public-sector employees: 9% p.a. profit charge, up to 59 days charge-free credit and organisation liability.
No annual fee for life for principal and supplementary cards; no spending condition.
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This page covers reviewed personal card products and separately labelled business and relationship-only options. Network variants are shown separately where their benefits differ; paired DUO cards are identified on their detail pages. Retired and discontinued products are excluded.
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