Visa / Mastercard · ConventionalBSN · MALAYSIA
BSN Platinum Credit Card
Min. annual incomeRM48,000RM4,000 / month equivalent
Principal annual feeRM0
Card networkVisa / MastercardConventional card
THE DETAILS
Benefit breakdown
Happy Points earning
| Eligible spend | Earn |
|---|---|
| Eligible local retail | 1 Happy Point per RM1 |
| Eligible overseas retail in foreign currency | 2 Happy Points per RM1 |
| Selected local dining / golf / travel | 2 Happy Points per RM1 |
Petrol, insurance / takaful, e-wallet top-ups, government / tax, JomPAY / FPX, cash / card plans, fees, refunds and disputed transactions are excluded. Platinum local bonus MCCs: dining 5462 / 5812 / 5813 / 5814; golf 7992; airline 4511 / 3000–3299; travel 4722 / 5962.
Travel inconvenience limits
| Covered event | Threshold | Maximum |
|---|---|---|
| Lost luggage | More than 48 hours | RM2,000 |
| Delayed luggage | More than 6 hours | RM2,000 |
| Flight delay | More than 6 hours | RM600 |
| Missed connection | More than 4 hours | RM600 |
Subject to the insurer / takaful certificate, eligible insured persons and trip-payment conditions.
Fees & charges
- Principal annual fee
- RM0
- Supplementary annual fee
- RM0
- Annual-fee waiver
- No annual fee for life for principal and supplementary cards; no spending condition.
- Retail finance / actual profit rate
- Government: 11% / 13.5% / 17.5% p.a.; private sector: 13.5% / 16% / 17.5% p.a.
- Minimum monthly payment
- 5% current balance + full monthly instalments + past due amount + amount over limit, or RM50, whichever is higher.
- Late payment / compensation
- 1% relevant outstanding balance, capped at RM100. No minimum RM10 is stated in the current BSN PDS.
- Cash advance charge
- 18% p.a., calculated daily; no interest-free period.
- Cash advance fee
- 5% or minimum RM10, whichever is higher, plus applicable service tax.
- Foreign currency conversion
- Visa / Mastercard rate plus 1% administration cost and applicable network transaction fee.
- Replacement card
- First replacement free; RM50 for second and subsequent replacements.
- Service tax
- RM25 annually per principal / supplementary card, distinct from annual-fee waiver.
- Retail grace period
- 20 days from statement date if preceding retail statement fully paid; excludes cash, balance transfer and card plans.
Requirements
- Minimum annual income
- RM48,000
- Principal age
- At least 21 years
- Application conditions
- Malaysian citizen; bank credit assessment and supporting income documents apply.
- Supplementary age
- At least 18 years
Payment plans
BSN 0% EasyPay Plan
| Minimum single receipt | Tenure | Interest / profit |
|---|---|---|
| RM500 | 6–36 months depending on merchant | 0% |
Only participating EasyPay merchants; request the plan at the point of sale. Separate Instalment-Pay conversion may carry an upfront fee.
Product features
- Prompt-payment rate tiers
- Lowest rate requires at least the minimum due paid promptly for 12 consecutive months. Middle tier requires ten or more prompt-payment months in a 12-month cycle; remaining accounts use the highest tier. The advertised “as low as” rate is conditional.
- Application documents
- NRIC and accepted income evidence: government latest payslip / employer confirmation; private-sector payslips / EPF / tax evidence; self-employed business registration and supporting business bank / tax statements. Special co-brands require their membership / employment evidence.
- Other repayment facilities
- Balance Transfer, EasyCash, Instalment-Pay and Auto Balance Conversion are separate facilities with their own rates, upfront fees, approval and repayment terms; a 0% headline does not make every plan free.
- Happy Points validity — dated change
- Until 30 November 2026 the previous three-year rule applies. From 1 December 2026 validity becomes two years, expiring at month end. Older points affected by the reduction receive a grace period to 31 January 2027; points older than two years are forfeited from 1 February 2027.
- Redeeming Happy Points
- Redeem eligible merchandise / vouchers, BSN SSP, service tax or participating airline points via BSN eWallet or online / manual redemption forms. Airline membership number is required. Points are not interchangeable 1:1 with airline miles.
- Travel accident insurance
- Up to RM300,000 when full eligible travel fares are charged to the card. Baggage and flight-inconvenience cover have separate limits; this does not provide airport lounge access.
- Network variants
- Visa and Mastercard designs in this product family share the listed core rewards, income and fee terms. Network merchant privileges can differ; neither variant is assigned an unverified mobile-payment logo.
- Secured application alternative
- The issuer offers a BSN Term Deposit / eligible SSP pledge route in place of income proof, normally from RM4,000 depending on card type. Pledged funds are blocked; current PDS states a credit limit up to 95% and stamp duty RM5 per RM1,000 approved limit.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.