BSN-UUM Gold MasterCard Credit Card-i by Bank Simpanan Nasional

Receive free automatic travel accident insurance of up to RM 300,000 when you charge your full travel fare to your card!

The Touch 'n Go auto-reload card is linked to this card so you can enjoy fantastic toll rebates and discounts!

Get special discounts and offers for dining, shopping and travel treats at selected merchants!

Earn	Spent In
2x Happy Points Per RM 1	Overseas retail transactions
2x Happy Points Per RM 1	Selected local dining, local golf, and local travel
1x Happy Points Per RM 1	Local retail transactions

Pay Over	With Interest Rate At	When You Transfer
3 Months	0.3% p.a. with no one-time upfront handling fee	From RM 500
6 Months	0.3% p.a. with no one-time upfront handling fee	From RM 1,000
9 Months	0.3% p.a. with no one-time upfront handling fee	From RM 1,000
12 Months	0% p.a. with no one-time upfront handling fee for the first 6 months, 0.3% p.a. with no one-time upfront handling fee for the subsequent years	From RM 1,000
12 Months	0% p.a. with no one-time upfront handling fee (limited time only)	From RM 1,000
24 Months	0% p.a. with no one-time upfront handling fee for the first 12 months, 0.375% p.a. with no one-time upfront handling fee for the subsequent years	From RM 1,000
36 Months	0.375% p.a. with no one-time upfront handling fee	From RM 2,000

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with 3% one-time upfront handling fee	RM 500 to RM 999
6 Months	0% p.a. with 3% one-time upfront handling fee	RM 1,000 to RM 1,999
6 Months	0% p.a. with 3% one-time upfront handling fee	RM 2,000 and above
12 Months	0% p.a. with 4% one-time upfront handling fee	RM 1,000 to RM 1,999
12 Months	0% p.a. with 4% one-time upfront handling fee	RM 2,000 and above
24 Months	0% p.a. with 5% one-time upfront handling fee	RM 2,000 and above

Pay Over	With Interest Rate At	When You Spend
6 Months	0% p.a. with no one-time upfront handling fee	From RM 500
36 Months	0% p.a. with no one-time upfront handling fee	From RM 500

Annual Fee For Primary Card	Free
Annual Fee For Supplementary Card	Free
Minimum Monthly Payment	RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee	RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 75
Cash Withdrawal Fee	RM 12.75 or 2.69% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

9.95% Per Annum	Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
13.5% Per Annum	Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
17.5% Per Annum	Tier 3: Cardmembers who do not fall within the above categories

Minimum Annual Income	RM 24,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	UUM Community

Apply for BSN-UUM Gold MasterCard Credit Card-i by Bank Simpanan Nasional