BSN-AIAFAM Visa Platinum Credit Card
BSN consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Bank documents checked · Terms last checked: 2026-11-10
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM2,666.67
- Minimum annual income
- RM32,000.00
- Qualifying spend
- Category and transaction conditions apply. See the source rows and bank terms below.
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM0.00
- Fee waiver
- Free for life
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Salary alone is insufficient: check the specific bank relationship, membership, policy or scheme eligibility before applying.
- October 2025 FAQ confirms RM32,000 annual income, AIAFAM community eligibility, 0.8% premium cashback including premiums below RM601, and 0.4% other retail. RM601 relates to ZIP eligibility, not a cashback minimum. ZIP and premium cashback cannot be combined.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| AIAFAM Insurance Premium | 0.8% | RM601.00+ | Not specified / uncapped in listing |
| Local And Overseas Retail | 0.4% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.