How to Apply to BSN Visa Cash Back Credit Card

If you are a frequent spender on your credit card, getting a cashback card would be a good option. Look at the BSN Visa Cash Back Credit Card and see if it’s the perfect option.

Por: vinicius em dezembro 2, 2023 Última atualização em: abril 24, 2024

The BSN Visa Cash Back Credit Card offers up to 5% cashback on everyday spending categories with no annual fee. Read on to learn how this card can help you earn rewards on your routine expenses.

Offered by leading national bank BSN, the BSN Visa Cash Back Credit Card bundles generous cashback with flexible financing options. Cardholders enjoy up to 5% cashback on groceries, dining, and fuel purchases along with unlimited 1% cashback overseas. Add in perks like travel insurance and installment payment plans, and it’s a rewarding card for daily use.

Key Benefits

The BSN Cash Back Card allows cardholders to earn cashback on common spending categories:

Eligibility Criteria

To apply for the BSN Visa Cash Back Credit Card, applicants must meet the following criteria:

Malaysian citizenship
Minimum age 21 years old for main cardholder, 18 years old for supplementary cardholder
Minimum monthly income of RM4,000
Supporting documents including ID, income proof, and address proof

Who is this card for?

The BSN Visa Cash Back Credit Card is a great fit for regular shoppers and diners who want to earn rewards on everyday purchases. Specifically, it suits those who:

Shop frequently at supermarkets and grocery stores
Dine out often at restaurants and eateries
Fill up petrol routinely such as weekly or biweekly
Make occasional overseas transactions
Have a minimum monthly income of RM4,000
Want a card with no annual fee

For Malaysians who spend regularly on groceries, dining, and fuel, the up to 5% cashback in these categories can add up to significant savings. The unlimited overseas cashback also rewards frequent travelers.

How to Apply for the BSN Cash Back Card

Applying for the BSN Visa Cash Back Credit Card is straightforward:

Gather required documents – identification, income statements, address proof
Visit any BSN branch nationwide to submit your application or apply online at BSN Credit Card Application Page. You may visit the official page
Provide contact details and complete application form
BSN will contact you regarding application status
If approved, receive your new card within 10 business days

Pros and Cons of the Card

Getting a cashback card may look like a great thing to do. Similar to the benefits, there are few drawbacks that you need to consider when getting this card as well. Let’s take a quick look at them.

Pros:

Up to 5% cashback on common spending categories
No annual fee
Balance transfer and installment plan options
Wide acceptance at BSN branches and merchants

Cons:

Monthly cap of RM15 cashback per category
Minimum monthly income requirement of RM4,000
Cashback on general spend only 0.2%
High interest rate if balance not paid in full

While the card has limitations like the cashback caps, it remains a solid choice for earning rewards on groceries, dining, and fuel with no annual fee. Responsible use by paying balances off monthly is advised.

How to Activate Your New BSN Cash Back Card

Once you receive your new BSN Visa Cash Back Credit Card by post, follow these steps to activate it:

Call the BSN Customer Service hotline at +603-2176 8000.
Provide your full name, IC number, and new credit card number.
Set your credit card PIN number when prompted. Choose a secure 6-digit PIN.
The officer will guide you through the activation and PIN set up process.
Once activated, sign the back of your new credit card immediately.
You can begin using your card for purchases right away both in-store and online.

Activating your card is essential to use the card and access your BSN credit card account online or via the mobile app. Avoid unauthorized use by keeping your PIN confidential.

PRESS HERE TO APPLY THE BSN CASH BACK CARD

Fees & Charges

When used responsibly, the BSN Cash Back Card has low fees:

No Annual Fee: no annual card membership fees;
Interest Rate: 15% per annum if balance not paid in full;
Cash Advance Fee: 5% of amount withdrawn or RM15, whichever is higher;
Minimum Monthly Repayment: 5% of outstanding balance or RM50, whichever is higher;
Late Payment Penalty: 1% of total outstanding balance or minimum RM10;
Overseas Transaction Fee: 1% of foreign currency transaction amount.

To avoid fees, pay your balance in full each month by the due date. Set up autopay or payment reminders to help avoid late fees.

About BSN

Bank Simpanan Nasional (BSN) issues the Visa Cash Back Credit Card. Established in 1974, BSN is one of the largest banks in Malaysia with over 3,000 branches and ATMs nationwide.

As a government-owned bank, BSN aims to provide inclusive financial services to citizens across Malaysia. They offer a wide array of products from savings accounts to loans, investment products, remittance services, and more.

With its extensive reach and focus on accessibility, BSN is trusted by many Malaysians. The BSN Cash Back Card benefits from the bank’s broad acceptance and support capabilities.

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Contact BSN Customer Service

If you have any questions about your BSN Cash Back Credit Card, contact customer service at:

Call +603-2176 8000;
WhatsApp +6018-222 8888;
Visit any BSN branch nationwide for in-person assistance. You can locate the closest branch on the website.

BSN provides support via phone, email, and in branch. You can expect them to be responsive and helpful every time you connect.

Discover other credit card options in our website, like the BSN Platinum Visa Mastercard Credit Card!

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