BSN Al-Aiman Gold Credit Card-i
Free-for-life Islamic Gold with automatic travel takaful
Apply for BSN Al-Aiman Gold Credit Card-i →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
BSN BSN Al-Aiman Gold Credit Card-i overview
The BSN BSN Al-Aiman Gold Credit Card-i is a Gold-tier Visa points card built around rewards points. Free-for-life Islamic Gold with automatic travel takaful. It best suits middle-income earners, with a minimum income requirement of RM36,000 a year. It carries no annual fee. Standout perks include complimentary travel insurance, a Shariah-compliant structure.
Features & benefits
- ✓Free for life — no annual fee
- ✓Happy Points rewards programme
- ✓Automatic travel takaful up to RM100,000
Is the BSN Al-Aiman Gold Credit Card-i worth it?
The BSN Al-Aiman Gold Credit Card-i is best suited to middle-income earners — its minimum income requirement is RM36,000 a year (about RM3,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Complimentary travel insurance
- +Shariah-compliant — no conventional interest (riba)
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — BSN sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read BSN's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official BSN Al-Aiman Gold Credit Card-iterms & product disclosure →BSN Al-Aiman Gold Credit Card-i FAQ
You need a minimum annual income of RM36,000 (about RM3,000 a month). BSN also considers your overall credit standing.
No — the BSN Al-Aiman Gold Credit Card-i is free for life with no annual fee.
It earns 1 reward point per RM1 spent. Free-for-life Islamic Gold with automatic travel takaful.
Yes — it is a Shariah-compliant card-i, which avoids conventional interest (riba) and instead uses a Shariah-approved fee structure.
It's a good fit for middle-income earners who want rewards points — its main draw is "Free-for-life Islamic Gold with automatic travel takaful". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the BSN Al-Aiman Gold Credit Card-i compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with BSN before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by BSN; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.