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    Public Bank Balance Transfer

    Credit Scheme Duration 6 months 6 months 1 year 2 years3 years
    Minimum Transfer Amount RM500-RM1,999.99 RM2,000 and more RM1,000 RM3,000 RM6,000
    One-time Upfront Charges/Interest/ Management Fee 1.5% 0% 3% 5% 7%

    Benefits of Public Bank Balance Transfer

    The following are the benefits of balance transfer through this bank:

    • The plan does not charge any processing fee.
    • You need not produce any other bank statement for the balance transfer.
    • You can enjoy more savings along with flexibility.
    • The minimum transfer amount is RM2,000.
    • The maximum transfer amount is up to 80% of the approved credit limit that is available.

    How to Complete Public Bank Balance Transfer

    You can complete the balance transfer process in either of the two ways:

    • Option 1: Call 03-21768000 to apply.
    • Option 2: You can apply online through or

    Terms & Conditions

    Here are the applicable terms and conditions:

    • All the primary or principal Public Bank/Public Islamic Bank Visa MasterCard Credit cardholders can use this Balance Transfer Programme.
    • You can transfer your outstanding credit card balances from more than one bank.
    • The Balance Transfer Programme offers different credit scheme durations ranging from 6 to 36 months starting from the date your account is debited.
    • The bank will charge an Early Settlement Penalty Fee of RM100 if you discontinue/terminate the programme by paying the entire payment for the Approved Balance before the expiry date of your chosen credit scheme duration.
    • Any reward points like Cash MegaBonus or Hibah Performance Bonus is not applicable in this programme.
    • During the promotion period, your card account status should be current and you should have sufficient credit to permit the execution of the balance transfer.


    Q. What is the Management Fee charged on the overdue amount?

    A. A management fee or tiered interest rate of 15% -18% p.a. will be charged on the overdue/ outstanding amount.

    Q. Can i acquire a balance transfer plan for a tenure of 4 years?

    A. No. The maximum available tenure is 36 months i.e. 3 years.

    Q. How will I know about the status of my Balance Transfer programme?

    A. You will get a notification from the bank if your application for Balance Transfer is declined. If it is approved, then the bank will make the payment of the approved balance amount to your account with the other bank in a way the bank considers fit.

    Q. How will I know if there are any changes in the Terms and Conditions?

    A. Your bank reserves the right to change, add or delete the Terms and Conditions periodically with minimum 21 days prior notice. You can check out the bank’s website to see the changes in Terms and Conditions.

    Q. What happens if I fail to make the minimum payment by the due date?

    A. If you fail to pay within the due date, then the standard late payment charges will be applicable - 1% of the total outstanding balance or RM10, whichever is higher. The late payment charges are levied on the unpaid minimum payment amount.

    Other Bank Balance Transfer Plans

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