Visa · ConventionalBSN · MALAYSIA
BSN Visa Cash Back Credit Card
Min. annual incomeRM48,000RM4,000 / month equivalent
Principal annual feeRM0
Card networkVisaConventional card
THE DETAILS
Benefit breakdown
Monthly cashback tiers
| Total monthly retail spend | Groceries / dining / petrol | Other local | Overseas |
|---|---|---|---|
| Below RM1,000 | 0.2% | 0.2% | 1% |
| RM1,000 to below RM3,000 | 1% | 0.2% | 1% |
| RM3,000 and above | 5% | 0.2% | 1% |
Groceries, dining and petrol each have an RM15 monthly cap (RM45 combined); other local and overseas rates are uncapped. Credited next statement cycle. Government, charity and other excluded transactions do not qualify.
Travel inconvenience limits
| Covered event | Threshold | Maximum |
|---|---|---|
| Lost luggage | More than 48 hours | RM1,600 |
| Delayed luggage | More than 6 hours | RM1,600 |
| 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
- 15% / 17% / 18% 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.
- Travel accident insurance
- Up to RM100,000 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.
- 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.