How to Apply to BSN Gold Visa Mastercard Credit Card

Experience an elevated lifestyle with the BSN Gold Credit Card. With dining, travel, and shopping privileges, this card unlocks VIP benefits for savvy spenders.
The BSN Gold Credit Card offers cardholders exclusive access to offers and perks befitting an upscale lifestyle. Take advantage of low interest rates, complimentary travel insurance, airport lounge access, rewards points, instalment plans and more. With worldwide acceptance, the card provides convenience and privileges whether in Malaysia or globally.
Benefits
- Low Interest Rates: enjoy low finance charges as low as 11% p.a. for prompt repayments. Significantly lower than average credit cards in Malaysia.
- Travel Insurance: get coverage up to RM100,000 against travel accidents. Also enjoy coverage for inconveniences such as flight delays, lost baggage, and missed connections.
- Airport Lounge Access: 6 complimentary Plaza Premium Lounge visits annually at KLIA and klia2.
- Rewards Points: accumulate and redeem Happy Points for gifts, vouchers, frequent flyer miles, and more via the BSN Happy Rewards programme.
- Instalment Plans: convert big ticket purchases into affordable monthly instalments.
- Worldwide Acceptance: seamless usage at over 29 million merchant outlets and 1 million ATMs globally.
Prerequisites
To be eligible for the BSN Gold Credit Card, applicants should meet the following requirements:
- Minimum income of RM36,000 per annum or RM3,000 monthly
- Minimum age of 21 years
- Malaysian citizenship
Who is this card for?
The BSN Gold Credit Card is ideal for professionals, entrepreneurs, executives and discerning consumers who live an upscale lifestyle with frequent spending on areas like dining, travel, shopping, groceries, and bills payment.
With privileges like airport lounge access, travel insurance, shopping and dining deals, and instalment plans, it is suited to cardholders who can maximize the usage of these benefits.
The low interest rates also make it attractive to applicants who maintain good credit repayment habits. High credit limit requests are recommended for big-ticket spenders who wish to earn more rewards points or utilize large amounts of credit.
Overall, the lifestyle privileges and prestige make the BSN Gold Card a great fit for upper middle-income and above individuals desiring exclusive access and special treatment.
Step by step to apply for the card
Here is a step-by-step guide to apply for the BSN Gold Credit Card:
- Go to the BSN website and navigate to Credit Cards section. Click on ‘Apply Now’ for the BSN Gold Credit Card.
- Then you will be able to see two options to proceed with the ordering of this card. If you wish to order online, you can click on the link “Drop your Details.
- Enter your basic information and one of the agents from bank will get in touch with you.
- Provide all the information as required by the staff member.
- Activation can be done online by SMS OTP once approved. The card will be couriered to your address within 2 weeks.
Alternatively, you can also be walk-in to any BSN branch nationwide to apply in person. You may locate the nearest branch to you via website.
[junkie-button url=”https://www.bsn.com.my/PersonalBanking/Cards/bsn-gold-credit-card?lang=en” style=”green” size=”medium” type=”round” target=”_self”] PRESS HERE TO APPLY THE BSN GOLD CREDIT CARD [/junkie-button]
Positives and negatives of the card
Pros:
- Low interest rates make it cost efficient if balances are paid promptly
- Airport lounge access provides convenience and luxury when travelling
- Complimentary travel insurance reduces risks associated with trips
- Worldwide acceptance enables seamless usage locally and globally
- Dining and shopping privileges provide savings on lifestyle spending
- Rewards points can be redeemed for attractive rewards
Cons:
- High minimum income criteria make it unattainable for lower income segments
- Many benefits may be irrelevant to non-frequent travelers or shoppers
- Rewards catalogue may offer limited redemption options
- Instalment plans and large credit limits can encourage overspending
- Late fees and finance charges can be expensive if repayments are missed
How to unlock the card?
Follow these steps to activate and unlock your new BSN Gold Credit Card:
- Wait for the card to arrive by post to your registered address within 10-14 business days after approval.
- Locate the last 4 digits of your new credit card number printed on the sticker seal on the front of the envelope.
- Send an SMS to 66399 in the following format: ACTIVATE<space>Last 4 digits of new card number<space>Last 5 digits of IC number.
For example: ACTIVATE 1234 55555
- You will receive an SMS reply with a One-Time Password (OTP). Reply to the SMS with the OTP number to complete activation.
- You will receive an SMS confirmation once your card has been activated successfully.
- Register for BSN online banking and mobile banking to access your card details, statements, make payments and more.
Your new credit card is now ready for use at merchants and ATMs!
Fees and Tariffs
Here are some fees and charges associated with the BSN Gold Credit Card:
- Annual Fee: RM0 (Waived)
- Cash Advance Fee: 5% or RM15 minimum
- Monthly Finance Charges: 13.5% p.a. (retail purchases) & 17.5% (cash advances)
- Late Payment Fee: 1% minimum RM10, maximum RM100
- Balance Transfer Fee: 0% – 2.5%
About BSN
BSN (Bank Simpanan Nasional) is one of Malaysia’s largest and most established banks, with over six decades of experience in serving the financial needs of Malaysians. Founded in 1960, BSN has grown from humble beginnings to become a leading financial services provider in Malaysia today.
With over 3,000 self-service terminals and close to 1,000 branches nationwide, BSN provides a comprehensive range of banking solutions including deposits, credit cards, loans, remittance services, and more. It serves over 8 million customers comprising individuals as well as small, medium and large corporations.
Beyond retail banking, BSN also offers business banking, global banking, Islamic banking, development financing, insurance, stockbroking, leasing and factoring services through its group of companies. As a trusted household brand, BSN prides itself on combining innovative financial products with excellent customer service to enhance accessibility.
The BSN Gold Credit Card allows cardholders to enjoy the privileges of BSN’s expertise and scale as a leading financial institution. From everyday banking needs to complex financial solutions, BSN has the experience and reach to cater to diverse customer profiles.
[junkie-button url=”https://apps.apple.com/my/app/bsnsecure/id6449446936″ style=”green” size=”medium” type=”round” target=”_self”] PRESS HERE TO DOWNLOAD THE BSN APP FOR IOS [/junkie-button]
[junkie-button url=”https://play.google.com/store/apps/details?id=com.bsn.mybsn&hl=en_US&gl=US” style=”green” size=”medium” type=”round” target=”_self”] PRESS HERE TO DOWNLOAD THE BSN APP FOR ANDROID [/junkie-button]