• Credit Card Balance Transfer Facility in Malaysia

    The lenders offering the balance transfer facility in Malaysia are as follows:

    BSN Balance Transfer Programme

    The outstanding debt from any credit card can be transferred to BSN. The credit card bill can be consolidated with a low interest flexible payment option. The interest rate can be as low as 0% for up to 1 year. The repayment option is available for up to 36 month. No early termination fee is charged.

    You get a choice to transfer the credit balance to the 17 credit cards offered by BSN. The minimum monthly payment is 5% of the outstanding amount. 0% fee is charged on transfer of RM1000 for 12 months and thereafter 3.6% interest is charged per annum.

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    Balance transfer facility in Malaysia

    HSBC Balance Transfer Plan

    With the HSBC credit card balance transfer you can get back in control of your finances. The interest rate offered is as low as 0% and the repayment term is 12 months. There is no early termination fee or setup fee charged. You can choose from 8 credit cards to transfer the outstanding balance. The minimum monthly payment is 5% of the outstanding balance. 0% interest is charged on transfer of RM1000 that will be paid over in 3 months.

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    Maybankard Balance Transfer Program

    You can transfer the credit balance to Maybankard and save on the credit card bills as lower rates of interest are offered and you can choose an appropriate plan that suits your needs. You are offered 21 cards to transfer your credit card balance.

    The repayment term is 36 months and 5% is charged on the outstanding balance towards monthly payment. 0% interest is charged on transfer of RM1000 that will be paid over in 12 months and when 3% handling fee is paid.

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    Maybankard Balance Transfer Islamic Ikhwan Card

    You can now transfer the credit card balance to Maybankard Islamic Ikhwan card. You can enjoy the 36 months repayment period. You will have to pay an upfront fee of 3%. You get interest rate as low as 0% per annum. 12 month interest free term is offered on paying the upfront fee.

    You won’t be charged the early termination fee. You get to choose from the 6 Maybankard Islamic Ikhwan cards. The minimum monthly payment is 5% of the outstanding balance. 0% interest is charged on transfer of RM1000 that will be paid over in 12 months and when 3% handling fee is paid.

    AEON Cards Balance Transfer Plan

    AEON credit cards offers 0% interest for 6 months on the credit card balance that is transferred from other banks. There is no extra fee, processing fee or early termination fee charged. You can choose from up to 10 credit cards offered by AEON. The minimum monthly payment is RM50 or 5% of the outstanding balance. 0% interest is charged on transfer of RM1000 that will be paid over in 6 months.

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    Public Bank Balance Transfer

    Public Bank offers 0% interest for 6 months on the credit card balance that was transferred from other banks. The repayment term offered is up to 24 months. The bank does not charge a setup fee and it gives you 13 credit cards to choose from to transfer your balance. The 0% interest is charged when you transfer RM5000 that will be paid over in 6 months. The minimum monthly payment is RM50 or 5% of the outstanding balance.

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    RHB Smart Move Balance Transfer

    RHB offers low interest rate on credit card balance transferred that will be paid off in 24 months. Interest rate offered starts from 1.2% interest per annum. The repayment term is 24 months. There is no early termination fee or setup fee charged. You get to choose from 19 credit cards offered by RHB to transfer the credit card balance. The minimum monthly payment is RM50 or 5% of the outstanding balance. 1.2% interest is offered when you transfer RM3000 which will be paid over in 6 months.

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    AffinBank Balance Transfer Instalment Plan

    With AffinBank you can get 0% interest on credit card balance transferred from 6-24 months on paying an upfront interest fee. The repayment term offered is 36 months. You won’t be charged any setup fee.

    You get to transfer the credit card balance to the 8 credit cards offered by AffinBank. On transfer of RM1000 that will be paid over in 6 months, you will be charged 2% interest per annum. The minimum monthly payment is either RM50 or 5% of the outstanding balance. An early termination fee of RM100 is charged.

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    OCBC Balance Transfer

    The interest rate offered starts from 2% per annum. The repayment term offered on the OCBC credit card balance transfer is 12 months. There is no early termination fee or setup fee charged. On transfer of RM1000 that will be paid over in 6 months, you will be charged 2% interest per annum and no upfront handling fee is charged. The minimum monthly payment is RM50 or 5% of the outstanding amount. The credit card balance can be transferred to the chosen 5 credit cards.

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    Citibank Balance Transfer Plan

    You can transfer your credit card balance to Citibank for a lower rate of interest. The balance can be transferred for up to 7 months. You will not be charged the processing or upfront fees. There is no early termination or setup fee charged.

    The interest rate offered starts from 2.99% per annum. 2.99% interest is charged when you transfer RM1000 that will be paid over in 9 months. You get a choice of 13 cards to transfer the credit card balance to. The minimum monthly payment is 5% of the outstanding balance.

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    UOB Fixed-Pay Balance Transfer

    If you transfer the credit card balance to UOB and choose the fixed-pay balance option, you will be paying the same instalment each month for a period of 6 or 12 months. The interest rate offered start at 3.3% interest per annum. There is no setup fee charged. On transfer of RM1000 that will be paid over in 6 months, you will be charged 3.3% interest per annum. The minimum monthly payment is RM50 or 5% of the outstanding amount. The early termination fee is RM100. You get to choose from 10 cards to transfer the credit card balance.

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    AmBank AmTransfer

    If you want to clear your debts faster, then transfer your credit card balance to AmBank and enjoy the low interest rate and flexible repayment option. The interest rates offered starts at 4.99% per annum. The repayment tenure lasts for up to 24 months. There is no setup fee charged.

    You get to choose from 31 cards to transfer the credit card balance. On transfer of RM1000 that will be paid over in 6 months, you will be charged an interest of 4.99% per annum and no upfront handling fee is charged. The minimum monthly payment is RM50 or 5% of the outstanding amount. The early termination fee is RM100.

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    Citibank Balance Transfer via instalment plan

    You can now transfer your credit card outstanding balance to a brand new CitiBank credit card and convert the debts to monthly instalment for a repayment term of up to 36 months. There is no setup fee charged and the interest rate starts from 5.32% interest per annum. On transfer of RM1000 that will be paid over in 30 months, you will be charged a 5.32% interest per annum. RM100 is charged towards the early termination.

    Citibank Ready Credit Balance Transfer

    The outstanding credit card balance that was transferred to Citibank can be repaid in fixed monthly instalments. The interest rate offered starts from 5.9% per annum. The repayment tenure is up to 48 months.

    There is no early termination fee or setup fee charged. On transfer of RM1000 that will be paid over from 6 months to 48 months, the interest charged is 5.9% per annum with no upfront handling fee. The bank does not even charge an early termination fee.

    CIMB Balance Transfer Plan

    You can now transfer your credit card balance to CIMB for flexible repayment and zero processing fee. Interest rate is offered from 5.99% and repayment term of up to 12 months. There is no early termination fee or setup fee charged. You get to choose from 18 credit cards offered by CIMB to transfer your credit card balance. On transfer of RM1000 that will be paid over in 6 months, you will be charged 5.99% interest per annum. The minimum monthly payment is RM50 or 5% of the outstanding balance. There is no early termination fee charged.

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