How to Apply to BSN Platinum Visa Mastercard Credit Card

The BSN Platinum Card offers accelerated rewards and flexibility for daily expenditures – an excellent card for frequent shoppers and diners.
The BSN Platinum Credit Card provides cardholders with a compelling set of benefits that make everyday spending more rewarding. From earnings rates to privileges and repayment flexibility, it is designed to provide strong value to users.
Benefits
The BSN Platinum Card comes with the following key benefits:
- Earn 2x Happy Points per RM1 spent on dining, golf, travel and overseas purchases. This accelerated earn rate makes racking up points faster.
- 0% EasyPay instalment plans allow cardholders to convert purchases into 3-36 month instalments at 0% interest. Useful for big ticket items.
- Balance Transfer facility lets cardholders transfer outstanding balances from other credit cards at a lower interest rate of 12%. This consolidation helps manage repayments better.
- Complimentary access to BSN’s airport lounges in Malaysia and worldwide, offering a seamless travel experience.
- Exclusive privileges and discounts at merchant partners across dining, shopping, petrol and more. Enjoy great deals on everyday expenditures.
- Global customer assistance service for convenience and peace of mind when travelling.
- Credit shield insurance provides coverage against outstanding balances in case of death or total permanent disability.
Prerequisites
To be eligible for the BSN Platinum Card, applicants need to meet the following requirements:
- Minimum income of RM4,000 per month or RM48,000 annually
- Minimum age of 21 years old for principal cardholder
- Malaysian citizenship
About BSN Bank
BSN Bank is one of the largest banking groups in Malaysia with over 60 years of experience. Headquartered in Kuala Lumpur, it provides a wide range of financial solutions across retail, commercial and investment banking.
With over 400 branches across Malaysia, BSN Bank has an extensive physical network complemented by digital banking channels. It offers services like savings accounts, loans, credit cards, wealth management, insurance and more.
As a leading financial institution, BSN Bank has over 40,000 employees and manages total assets exceeding RM800 billion. It constantly innovates to launch new products, being amongst the first to offer digital banks and Islamic banking. With its stable history and customer-focused approach, BSN Bank provides robust support and flexibility to cardholders.
The BSN Platinum Card stands out for its strong rewards potential and repayment flexibility aimed at daily expenditures. Backed by BSN Bank’s scale and experience, it is undoubtedly a compelling choice for consumers in Malaysia.
Who is this card for?
The BSN Platinum Card is ideal for consumers who dine out frequently, travel often for leisure or business, and shop regularly. With its accelerated earn rates on dining, travel and overseas spending, it suits cardholders with these spending patterns well.
The card also appeals to applicants looking for repayment flexibility, via features like 0% EasyPay instalment plans and Balance Transfers. Professionals, entrepreneurs, and small business owners can benefit from spreading out big expenses over interest-free monthly instalments.
Finally, the lack of annual fees makes the BSN Platinum Card a cost-effective option for ordinary consumers who want an everyday card with good rewards potential. Compare credit card annual fees in Malaysia to find the best no annual fee cards.
Step By Step Guide to Apply for the BSN Platinum Card
Here is a step-by-step guide on how to apply for the BSN Platinum Credit Card:
- Go to BSN’s credit card application page.
- You will need to submit your details to request for the card. Click on the option named “Submit Details”.
- Enter all the information that you are asked to provide. This includes your salary confirmation details as well.
- One of the representatives from bank will get in touch with you within 2 business days. Upon verification, the agent will proceed with producing your card.
- Once done, you will be able to receive the card in mail. Or else, you may collect it from a branch of your choice.
- Alternatively, you can apply directly at any BSN branch. Locate your nearest branch on the website.
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Positives and Negatives of the BSN Platinum Card
Positives
- Strong rewards potential on everyday spends like dining, travel, shopping
- 0% instalment plans offer flexibility in managing expenses
- Balance transfer facility helps consolidate other card debts at lower cost
- No annual fee makes the card very cost-effective
Negatives
- Requires minimum annual income of RM48,000 which may be high for some applicants
- Interest charges apply after instalment plan tenure ends
- Rewards catalogue could offer more variety and value
- Does not offer complimentary airport lounge access outside Malaysia
So, in summary, the BSN Platinum Card packs very useful benefits for expenditures while being easy on the wallet. But it does need a moderate-income level and some rewards aspects could be improved further. Compare credit cards in Malaysia to find the best match for your profile and needs.
How to Unlock the BSN Platinum Card
Follow these steps to activate and unlock your new BSN Platinum Card:
- Wait for the card to arrive via post to your registered address within 2 weeks of approval.
- Locate the activation sticker on the front of the card package. Scratch gently to reveal a 6-digit MCPIN code.
- Send an SMS from your registered mobile number to 66100 with the text MCPIN<space>XXXXXX where XXXXXX is your MCPIN code.
- You will receive an SMS reply confirming successful activation of your card.
- Call BSN Contact Centre at 1300-88-1900 to generate your ATM PIN number. This is needed for ATM withdrawals.
- You can now start using the card for purchases online and in-store. The card is unlocked and ready for transactions.
Fees and Tariffs
Here are the key fees and charges for the BSN Platinum Card:
- Annual Fee: RM0 (No annual fee)
- Interest Rate: 15% p.a
- Late Payment Fee: Minimum RM10 or 1% of total outstanding
- Cash Advance Fee: 5% of amount withdrawn
- Balance Transfer Fee: 3% of amount transferred or RM20, whichever is higher
- Overseas Transaction Fee: 1% of transaction amount
Customer Service
Contact BSN for any credit card queries through the following channels:
- Phone: 1300 88 1900
- Email: [email protected]
- Online Chat: Available on website
- BSN Mobile App: Download app on Google Play or App Store]
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