2. What are the unique features and benefits of the new BSN Visa Debit Card/-i?

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1 FREQUENTLY ASKED QUESTIONS THE NEW BSN VISA DEBIT CARD/-i 1. What is BSN Visa Debit Card/-i? The BSN Visa Debit Card/-i is the first multi-privilege Visa paywave debit card issued in Malaysia and is linked to your BSN savings account. The card offers a host of benefits and privileges to help you live your life easy and debt free. It can be used to make purchases wherever the Visa or Visa paywave logo is displayed worldwide and even for online purchases. For ATM transactions, you can use it at any BSN ATM, MEPS ATM or ATMs that displays the Visa PLUS logo overseas. Either way you use it, the amount is deducted automatically from your BSN savings account - so it helps you to control your spending and live within your means. 2. What are the unique features and benefits of the new BSN Visa Debit Card/-i? Most debit cards have two key features: the ability to purchase items and the ability to withdraw cash at an ATM. The BSN Visa Debit Card/-i offers you more than that! You ll enjoy smart benefits and features like these and more all combined in one debit card. a) Visa paywave Just shop, wave and go with your BSN Visa Debit Card/-i wherever the Visa paywave symbolis displayed, locally or overseas. Visa paywave is a convenient, secure and quick payment method for purchases up to RM150 and no signature or PIN is required. No more worrying if you have enough cash in your wallet or fumbling for change. b) Built-in Touch n Go Features Enjoy the convenience of having a BSN Visa Debit Card/-i with built-in Touch n Go features. Reload and use it at tolls, public transport, car parks or wherever the Touch 'n Go sign is displayed. c) PLUSMiles Rewards & Privileges Take advantage of the PLUSMiles loyalty program tied to the BSN Visa Debit Card/-i and enjoy toll rebates, reward points and discounts at participating PLUSMiles merchants. For more information on PLUSMiles privileges, log on to d) BCARD Loyalty Program Collect BPoints when you charge your BSN Visa Debit Card/-i for purchases at over 800 BCARD participating outlets and redeem instantly or online. BCARD is Malaysia s premier lifestyle and brand-

2 focused reward program, partnering with merchants from various industries such as Starbucks, Berjaya Hotels & Resorts, Lazada and more. e) 0.5% Unlimited Cash Back Enjoy 0.5% cash back on all your retail purchases, including online transactions whenever you use your BSN Visa Debit Card/-i in Malaysia and overseas. What s more, there s no capping on the amount of cash back you can earn! The cash back will be credited into your savings account every month. 3. Who is eligible for BSN Visa Debit Card/-i? Individual customers who have a BSN savings account and meet the age requirement are eligible for the card. 4. How may I apply for the BSN Visa Debit Card/-i? Visit any BSN branch nearest to you to open a savings account. Complete the application form and select BSN Visa Debit Card or BSN Visa Debit Card-i. Bring along your MyKad for verification purposes. 5. I am an existing BSN Matrix/-i card holder. How do I convert my card/-i to the new BSN Visa Debit Card/-i to enjoy the new privileges? You can convert your card/-i to the new BSN Visa Debit Card/-i at any BSN branch. Just bring along your BSN Matrix/-i Card and MyKad for verification purposes. No charges will be imposed for the issuance of the new BSN Visa Debit Card/-i for new customers or existing customers who convert their card/-i during our promotion period from 1 December 2013 to 28 February The new BSN Visa Debit Card/-i carries the Visa paywave logo? What is Visa paywave and where can I use it? Visa paywave is a fast and convenient innovative contactless payment that lets you pay quickly for purchases under RM150 at any retailer displaying the Visa paywave logo in Malaysia and overseas. No signature or PIN is required. You can still use your BSN Visa Debit Card/-i for larger purchases by signing on the sales receipt like the normal way. Here s how it works: 1. Look for the contactless Visa paywave symbol in participating retail stores. 2. Wave your BSN Visa Debit Card/-i in front of the secure card reader. 3. Collect your purchases and go. If you want a receipt, you may request from the cashier.

3 7. Where can I use my BSN Visa Debit Card/-i? For Retail Purchases: At millions of Visa accepted outlets in Malaysia and overseas such as departmental stores, restaurants, petrol stations, retail outlets and more. For Online, Mail Order and Telephone Purchases: At online shopping websites worldwide, including purchases by mail and over the phone. For Cash Withdrawal: At BSN ATMs, MEPS ATMs and ATMs overseas bearing the Visa PLUS logo 8. Do I need to pay any charges when I use my BSN Visa Debit Card/-i for retail or online purchases? There are no charges or fees imposed for retail or online purchases using the BSN Visa Debit Card/-i. 9. What is my daily purchase limit? For security control, BSN allows you the flexibility to choose the desired purchase limit for your retail purchases. The default daily purchase limit is pre-set at RM1,000 for adult accounts and RM500 for teen accounts. You may change the limit to an amount between RM0 to RM10,000 at any BSN ATM or BSN branch. 10. How long does it take to receive a BSN Visa Debit Card/-i? You will get your BSN Visa Debit Card/-i instantly together with your PIN when you apply at any BSN branch. However if you request for a personalised card (with your name on it), you will be required to collect your card/-i after 14 days at the branch where you applied. 11. The new BSN Visa Debit Card/-i comes with a built-in Touch n Go feature. Where can I top-up my BSN Visa Debit Card/-i so that I can use it for toll and other payments? Currently the topping-up of your BSN Visa Debit Card/-i can only be done manually. Simply hand over your BSN Visa Debit Card/-i together with your cash at any Touch 'n Go Hubs, Touch 'n Go SPOTs at selected petrol stations, Touch 'n Go Sales Counters and Reload Lane at highways, selected PETRONAS stations, Rapid KL, LRT, KTM Komuter and other TNG reload agents. 12. Will I also be entitled to the 20% toll rebate under the Frequent Travellers Program offered by Touch n Go? Yes, you will be entitled to the 20% toll rebate program if you perform at least 80 toll transactions in a month in all highways. For more details on this program, Touch n Go privileges, terms and conditions, log on to The new BSN Visa Debit Card/-i also comes with PLUSMiles loyalty program application. What are the benefits that I can enjoy under this program when I use my BSN Visa Debit Card/-i for toll payment at PLUS highways? The key benefits that you will enjoy are: a) 5% toll rebate for monthly toll usage of RM100 and above at PLUS highways b) Reward Points for monthly toll usage of less than RM100 c) Discount & Privileges at participating PLUSMiles merchants

4 d) Free e-statement To be eligible for the 5% toll rebate, you need to register at using the Serial/Mfg Card Number (please refer to your Touch n Go reload receipt for this number). For more information on PLUSMiles loyalty program terms and conditions, log on to How do I collect and redeem BPoints with my new BSN Visa Debit Card/-i? Spend with your BSN Visa Debit Card/-i at any BCARD participating outlet to collect BPoints. Redeem your BPoints for exclusive items instantly at any BCARD participating outlet nationwide or redeem online at BPoints is equivalent in value to RM1. To log-in, just enter your BCARD number which is the bar code at the back of your debit card/-i. The last 6 digits is also your BCARD PIN. For more information on BCARD offers, participating outlets and terms & conditions, visit the BCARD website above or call BCARD Call Centre at Can I use my BSN Visa Debit Card/-i when I travel overseas? Yes, you can use your BSN Visa Debit Card/-i overseas provided you activate the overseas transaction flag prior to your departure. The activation process can be done through any BSN ATM, MyBSN, BSN Call Center or at any of BSN branches. Once activated, you can use it for retail purchases or to withdraw cash from any ATM overseas that bears the Visa PLUS logo. 16. What do I need to do if my Online Purchases and Oversea transaction is unsuccessful? You must activate Online Purchases and Oversea Transaction Functions to allow the transactions or spending. The activation can be done through BSN ATM, MyBSN, BSN Call Center or at any of BSN branches. 17. Can I disable the activation of Online Purchase and Overseas Transaction function? Yes. You can disable the functions via BSN ATM, MyBSN, BSN Call Centre or at any BSN branch. 18. What are the instances where pre-authorisation transactions are done to my savings account? Petrol Transactions A pre-authorisation amount of RM200-RM250 will be debited from your BSN savings account when you pay for your petrol at the pump (outdoor kiosk). The amount will then be reversed once the bank receives the actual settlement within 3 days. You are advised to pay at the cashier indoor to avoid the pre-authorisation holding. Hotel To avoid the pre-authorisation holding, you are advised to use your BSN Visa Debit Card/-i during check-out only. 19. Why is it that sometimes my BSN Visa Debit Card/-i transaction gets declined? Among the common reasons are: Insufficient balance in your savings account or due to withholding of pre-authorisation amount.

5 Transaction amount exceeds the set daily purchase limit. If your transaction is declined overseas, you may not have activated the Overseas Transaction flag at our BSN ATM prior to your departure. 20. What are the security features in the BSN Visa Debit Card/-i? EMV Smart Chip: Uses advanced smart chip technology for greater security. Visa paywave: The card never leaves your hand when making transactions, which reduces the risk of fraud. Visa s Zero Liability Policy: Protects you against any fraudulent or unauthorised purchases. Pre-set Daily Purchase Limit: The defaulted daily purchase limit is RM1,000 for adult accounts and RM500 for teen accounts. You may decrease or increase this limit at any BSN ATM or BSN branch. SMS Alerts: Transaction alerts via SMS will be sent to your registered mobile phone number for certain transactions using card/-i. Online shopping: When making payment for online purchases, a BOSS code (BSN Online Secured Shopping) will be sent to your mobile number registered with BSN via SMS for you to enter and complete the transaction securely. Note: Please ensure you update your latest mobile number at any BSN ATM or BSN branch. 21. What should I do if my BSN Visa Debit Card/-i is lost or stolen? You are required to report your lost or stolen card immediately through any one of the following channels: Call BSN Customer Service at (Malaysia) or (Overseas) Visit any BSN branch and make a report 22. What are my obligations as a BSN Visa Debit Card/-i Cardholder? a) The CardMember shall sign at the back of BSN Visa Debit/-i Card immediately upon receipt of the Card. b) Protect your Personal Identification Number (PIN). i. Do not write your PIN on BSN Visa Debit/-i Card or keep it together with the Card. ii. Do not use date of birth, identity card number or mobile number as PIN or password. c) The CardMember shall exercise reasonable precautions to prevent loss or theft of BSN Visa Debit Card/-i or disclosure of the Personal Identification Number (PIN) to any unauthorized person.

6 d) Any loss and theft of BSN Visa Debit Card/-i or disclosure of the PIN to an unauthorized person and unauthorized use of the Card must immediately be reported to the Bank by contacting BSN Call Centre at or (overseas). e) The CardMember shall not allow or empower any third party to use BSN Visa Debit/-i Card and cannot transfer or relinquish control or ownership of the Card or use it for purposes which is not allowed transaction by the Bank. f) The CardMember is responsible for ensuring sufficient funds in the account before effecting the transaction. g) Check your transaction records from time to time via to ensure transactions performed are correct and notify us in writing 14 days from the transaction date if there are any errors or omissions. If not, the transaction will be deemed as accurate. h) The CardMember shall use BSN Visa Debit Card/-i responsibly and not for any illegal or unlawful activities, or use the card to engage in an Internet gambling transaction done by the CardMember (BSN Visa Debit Card-i); or use the card as payment for non-shariah approved transaction (BSN Visa Debit Card-i). i) BSN shall not at any time be liable to you or any other person for any damage or loss suffered (including all direct, indirect, special or consequential damages, economic loss, loss of profits or loss of opportunity) arising from any interruption or unavailability of this website, the services herein and/or the content and/or your access to and use of the same for whatever reason other than a failure in the BSN s system or BSN s equipment breakdown or from any delay or error in any transmission or communication pertaining to your access and use of this website, the services and the content herein. Notwithstanding the aforementioned, the Bank shall not be liable for any damage or loss resulting from your fraudulent act. j) The CardMember shall not be held liable for losses arising from an e-banking, direct debit or card not present transaction unless the Bank can prove on a balance of probabilities that: (a) The CardMember has acted fraudulently (b)the CardMember failed to carry out the following obligations as informed by the Bank to the CardMember: (i) Deliberately or not deliberately disclosing the access identity (ID) and passcode to any other person via unsolicited s or on any website other than the official website of the bank(bsn); (ii) Taking reasonable steps to keep security device secure at all times; or (iii) Reporting a breach of the security of a pass code or the loss of a security device to the bank as soon as reasonably practicable, upon the customer becoming aware of the breach or loss respectively. (c) The CardMember has failed to carry out the obligation to report any unauthorised transaction to the Bank as soon as reasonably practicable, upon the Cardmember becoming aware of the unauthorised transaction.

7 23. As a new BSN Visa Debit Card/-i holder, what other additional benefits can I enjoy? You will also enjoy the following additional benefits: a) Annual Card Fee Waiver: Your annual card fee will be waived if your accumulated retail spend is RM3,600 and above within the 12 months prior to the annual card fee anniversary date. b) Up to 5X FREE MEPS cash withdrawal fee per month: Please refer to the FAQ on MEPS Fee Reimbursement Program What are the charges charges applicable by BSN for the BSN Visa Debit Card/-i? Fees & Charges Items Annual Fee (Annual fee is chargeable on a yearly basis during the card s anniversary date. Annual Fee will not be imposed to the Cardmember on the year the card is issued) Card Issuance/Renewal Fee Conversion/Upgrade from ATM Card or BSN Matrix/-i Visa Electron Debit Card to BSN Visa Debit/-i Card. Fees/Charges RM8 RM12 RM12 Card Replacement Fee (For damaged Debit/-i Card due to Cardmembers fault, lost and stolen) RM12 ATM Cash Withdrawal: Domestic BSN ATM Other Local Bank s ATM via MEPS Other Foreign Bank s ATM via MEPS International ATM Network via VISA PLUS ATM Balance Enquiry Transaction History (latest 2 months) Internet Banking mybsn.com.my Fund Transfer via ATM to MEPS member banks Free RM1/withdrawal RM4/withdrawal RM12/withdrawal Free Free RM1 per transaction

8 Sales Slip Retrieval Request Fee Conversion Fee for Overseas Transaction RM15 per copy As per conversion rate determined by VISA + any transaction fee charged by VISA (equivalent to 1%) Note: All Fees and Charges imposed on your BSN Visa Debit Card/-i are subjected to the 6% Goods and Services Tax (GST) effective from 1 April FREQUENTLY ASKED QUESTIONS MEPS - FEE REIMBURSEMENT PROGRAM 1. How does the MEPS fee reimbursement program work? As a new BSN BATMAN VISA DEBIT CARD/-i holder, you will enjoy reimbursement on your MEPS cash withdrawal fee depending on the plan you choose and upon fulfilment of the set conditions. Choose either ONE of the plans below when you open a new savings account or convert your card/-i. Type of Plan TRANSACTORS (22 years old and above) SAVERS (22 years old and above) YOUTH (21 years old and below) MEPS Reimbursement Program/ Bonus Returns Reimbursement of three (3) MEPS cash withdrawal fee per month Reimbursement of five (5) MEPS cash withdrawal fee per month 2% p.a. Bonus Returns* Reimbursement of three (3) MEPS cash withdrawal fee per month Condition(s) To Be Met With average monthly account balance of RM1, 500 and above. With average monthly account balance of RM3, 000 and above. On every average incremental growth of RM1, 000(month on month) rounded down to the nearest thousand. With average monthly account balance of RM500 and above. *For Giro-i account, the indicative rate is based on profit sharing ratio of 25:75 2. I have opened my BSN savings account when I was 20. What will happen to my account when I reach 22 years old? Your account will be automatically converted to Transactors plan once you reach 22 years old.

9 3. How will the MEPS cash withdrawal fee be reimbursed to me if I fulfill the set condition? The standard MEPs cash withdrawal fee will be imposed at the time of the transaction. However if you meet the set condition(s) for that month, the fee will be reimbursed back to your BSN savings account in the following month. No fee reimbursement will be done if you close your BSN savings account. 4. How is the Average Monthly Balance (AMB) calculated? AMB (New Account): AMB (Existing Account): EXAMPLE: Mr Zak opens a BSN savings account on 22 May The total end of day balance in his account as at 31 May 2014 was RM100, 000. MR Zak s account has been open for a period of 10 days for the month of May The AMB in his account for May 2014 = RM100, 000/10 days= RM10,000.

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