Bank Simpanan Nasional Al -Aiman Master Credit Cards

Bank Simpanan Nasional

Bank Simpanan Nasional

This is an Islamic credit card issued under Shariah Compliant of Bai’Inah concept designated for Government/ Private Sector Employee with a line of financing granted by us to you and where any amount of the financing utilised by you has not been settled in full on or before a specified date, the unsettled amount may be subject to profit or other charges.

Bai’Inah is when the financier sells an asset to the customer on a specified deferred payment and the asset is immediately repurchases by the financier for a cash discount which is declared during the process of Aqad.

BSN Al -Aiman MasterCard Standard

Bank Simpanan Nasional Al -Aiman MasterCard Standard

Benefit

  • Every RM 1 spend = 1 Bonus Point
  • Free Travel Inconvenience Insurance when you charge your air ticket by Affin Master Credit Card.
    Flight delayed or canceled – up to RM 300
    Lost Baggage or delayed – up to RM 500
  • Credit Shield Program – pay RM 0.30 for every RM 100 to join.

Annual Income – RM 18,000
Annual Fee – Principle RM 60 , Supplementary RM 30 ( Government workers enjoy 3 years waiver and subsequent year based on usage; Non government workers enjoy 1 year waiver and subsequent year based on usage; refer table below )

Annual UsagePricinple Annual FeeSupplementary Annual Fee
RM 1,200 – RM 1,999RM 45RM 22.50
RM 2,000 – RM 2,999RM 30RM 15
RM 3,000 – RM 3,999RM 15RM 7.50
RM 4,000 and aboveFreeFree

BSN Al -Aiman MasterCard Emas

BSN Al -Aiman MasterCard Emas

Benefit

  • Every RM 1 spend = 1 Bonus Point
  • Free Travel Inconvenience Insurance when you charge your air ticket by Affin Master Credit Card.
    Flight delayed or canceled – up to RM 600
    Lost Baggage or delayed – up to RM 800
  • Credit Shield Program – pay RM 0.30 for every RM 100 to join.

Annual Income – RM 48,000
Annual Fee – Principle & Supplementary Free for life

Eligibility – Principle 21 years old, Supplementary 18 years old

Joining FeeUnknown
Cash Advance FeeMinimum RM 10 or 5%
Minimum Monthly RepaymentMinimum RM 50 or 5%
Over-limit FeeRM 5
Late Payment ChargeMinimum RM 5 or 1%
Interest Free Period20 days
Card Replacement Fee1st time – Free
Subsequent RM 50
Conversion For Overseas TransactionsTransactions conducted outside Malaysia will be converted to Ringgit Malaysia using the exchange rate
fluctuates on the date the transaction is received and/or processed.
Sales Draft RequestRM 5 /copy and RM 15 /original sales draft
Statement RequestUnknown

For more information, please visit http://www.bsn.com.my

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