How to Apply to BSN Classic Visa Mastercard Credit Card

Offering straightforward rewards and convenience, the BSN Classic Credit Card is a great choice for everyday spending. With no annual fees and worldwide acceptance, this card from Malaysia’s leading savings bank delivers value at home and abroad.
The BSN Classic Credit Card provides cardholders with:
- Low interest rates starting from 11% p.a.
- No annual fees ever
- Supplementary cards at no extra cost
- Access to BSN’s extensive merchant network
- Worldwide acceptance including 1 million ATMs
- Interest-free instalments and balance transfer options
Benefits of the BSN Classic Credit Card
The BSN Classic Credit Card offers cardholders robust benefits focused on convenience and rewards:
- Low Interest Rates: enjoy reduced interest rates as low as 11% p.a. for government employees. This makes managing credit card debt more affordable.
- No Annual Fees: there are no annual fees to worry about, giving you one less fee to pay every year.
- Supplementary Cards: add family members to your account at no extra cost. Supplementary cardholders must be 18+ years old.
- Merchant Discounts: get discounts and deals at BSN’s network of retail, dining, and travel merchants across Malaysia.
- Worldwide Acceptance: use your card at over 29 million locations worldwide. Cash advances are available at over 1 million ATMs globally.
- Instalment Plans: convert big-ticket purchases into monthly instalments. Pay overtime at competitive interest rates.
- Balance Transfers: transfer high-interest balances from other cards and enjoy lower interest charges.
Eligibility for the BSN Classic Credit Card
To apply for the BSN Classic Credit Card, applicants must meet the following requirements:
- Minimum age 21 years old for principal cardholder
- Minimum income RM24,000 per year
- Malaysian citizenship
Supplementary cardholders must be at least 18 years old.
Who is this card for?
The BSN Classic Credit Card is an excellent choice for a wide range of cardholders in Malaysia including:
- First time or entry-level credit card users: the low fees and rates make it a great starter card to build credit.
- Savvy savers: for those focused on saving money, the lack of annual fees is a big perk.
- Government and public sector employees: they qualify for the lowest 11% p.a. interest rate.
- Typical households: with minimum income of RM24,000 per year, the card is accessible to average households.
- Supplementary users: family members can be added to enjoy benefits and build credit.
- Those who prioritize simplicity and transparency: the card offers straightforward benefits free of complex tiers and conditions.
Step-by-Step Guide to Apply for the BSN Classic Credit Card
Applying for the BSN Classic Credit Card is easy:
- Go to the BSN website credit card application page
- Click “Apply Online” and complete the online application form.
- Enter the details you are asked to submit.
- One of the agents will get in touch with you and provide you with directions on how to sign up with the credit card.
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Positives and Negatives of the BSN Classic Credit Card
Pros:
- No annual fee makes it very affordable
- Low interest rates mean smaller interest charges
- Worldwide acceptance at millions of locations
- Cash advances at over 1 million ATMs worldwide
- Supplementary cards help family members build credit
Cons:
- Lower tier card so rewards rate is just 1x points per RM1 spent
- No airport lounge access offered
- Credit limit may be lower than premium cards
- Interest-free period is 20 days which is shorter than some competitor cards
Overall, the BSN Classic Credit Card offers an excellent balance of affordability, acceptance, and usefulness for average Malaysian cardholders. The low fees and rates make it a great value option.
How to Activate Your New BSN Classic Credit Card
Activating your new BSN Classic Credit Card is a quick process that can be done in just a few minutes:
- Wait for your new credit card to arrive in the mail. It will typically arrive within 10-14 business days after approval.
- Locate the activation sticker on the front of your new credit card. Scratch off the silver panel to reveal a 6-digit activation code.
- Call the BSN Credit Card Activation Hotline at 1-300-88-1900.
- Enter your 16-digit credit card number when prompted.
- Key in your 6-digit activation code from the sticker when asked.
- Set your credit card PIN number when prompted. Choose a 4-digit PIN that is easy for you to remember but difficult for others to guess.
- Your card will now be activated for use! You can start using it at ATMs and merchants worldwide.
- For security, sign your name on the back of your card with a pen. Your signature is required when making in-store purchases.
With those simple steps, your new BSN Classic Credit Card will be ready for all your spending needs!
Fees and Charges for the BSN Classic Credit Card
The BSN Classic Credit Card offers low, transparent fees:
- No annual fee: enjoy a fee waiver for life with no annual fees to pay
- Interest rate: 11% p.a. for government employees, 13.5% p.a. for private sector
- Cash advance fee: 5% of amount advanced or minimum RM15
- Minimum monthly repayment: 5% of outstanding balance or minimum RM50
- Late payment penalty: 1% of total outstanding balance or minimum RM10
- Balance transfer rate: 13% p.a.
- Overseas transaction fee: 1% of transaction amount
How to Get Help for Your BSN Classic Credit Card
BSN offers multiple customer service channels for all your credit card support needs:
- Call: +603-2176 8000
- Website
- WhatsApp: +6018-222 8888
Alternatively, you may also visit one of the branches of BSN to learn more about your credit card. Finding the nearest branch to you would be an easy thing to do. All you have to do is to visit the website and proceed with finding the closest branch.
About Bank Simpanan Nasional
Bank Simpanan Nasional (BSN) is Malaysia’s premier savings bank and trusted financial institution. Formed in 1974, BSN’s purpose is to encourage the savings habit and provide affordable banking for all Malaysians. Today, BSN operates over 380 branches nationwide supported by over 3,000 ATMs and cash deposit machines. BSN offers savings accounts, fixed deposits, insurance, unit trusts, remittance services and more.
As a fully owned subsidiary of Permodalan Nasional Berhad, BSN enjoys strong financial backing from the Malaysian government. Deposits are guaranteed by PIDM up to RM250,000. With the stability and reputation of BSN behind it, the BSN Classic Credit Card delivers outstanding benefits to cardholders across Malaysia.
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