What is Balance Transfer? (Credit Cards in Malaysia)

By Editorial Team -
A balance transfer allows you to transfer the ‘credit card balance’ that you owe in one bank to the other bank. This service allows you to reduce the interest (17.5% per year) that you are paying the banks to as low as 0% for 3 months. However, please take note that the ‘0% for 3 months’ will expire after three months and the interest will return to 17.5% per year.

The following are some of the *balance transfer programs available:

Banks
Balance Transfer Rates
Balance Transfer Tenure
Maybank
0% per month
3 months
Public Bank
0%
6 months
Eon Bank
2.99% onetime interest charge
6 months
RHB
3% onetime interest charge
12 months
Citibank
3.99% per year
9 months

*Note:
Please check with the banks for updates.

Comments

Post a Comment

Pages

Popular posts from this blog

Top XRP ETFs to Watch in 2025: Dominating Holdings, Low Fees, and Performance Insights (November 2025 Update)

By -
Image
The XRP ETF ecosystem has exploded in the past week, with four major U.S. spot ETFs launching between November 13 and November 24, driving cumulative inflows past $1 billion since Canary's (XRPC) debut. Regulatory tailwinds from the SEC's July 2025 guidance and Ripple's $125 million settlement have fueled this surge, alongside XRP's price holding above $2.20 (currently ~$2.22, up 1.4% intraday despite broader market volatility).  A fierce "fee war" has pushed U.S. spot expense ratios to historic lows (0.19–0.35%), with waivers extending through mid-2026 for many. Analysts now project $10–15 billion in total inflows over the next 12 months, as spot products capture 85%+ of flows. European and Canadian ETFs continue to thrive for regional investors, while futures-based options suit leveraged traders. On November 13, 2025, Canary Capital's Canary XRP ETF (ticker: XRPC) became the first pure-play spot XRP ETF to trade on a major U.S. exchange (Nasdaq). Its deb...
Read more

Top 10 Pharmaceutical Companies by Revenue and Market Cap in 2025 (November Edition)

By -
Image
The pharmaceutical industry continues to show robust performance in Q3 2025, with key players reporting strong sales driven by oncology, immunology, and metabolic drugs. Eli Lilly maintains its lead in market capitalization, fueled by high demand for its GLP-1 treatments Mounjaro and Zepbound, with projected full-year revenue growth of around 32%. Johnson & Johnson reported Q3 sales of $24.0 billion, up 6.8%, and raised its 2025 sales outlook. Roche achieved 7% sales growth in the first nine months to CHF 45.9 billion ($52.8 billion), raising its full-year guidance to mid-single-digit growth. Other top companies like AstraZeneca, Novartis, and Vertex reported double-digit growth in key segments. Challenges persist, including patent expirations and biosimilar competition, but new approvals and acquisitions signal continued innovation. This edition updates data with Q3 2025 figures where available. Credit:  fiercepharma.co...
Read more

Top 10 Gold and Silver ETF Picks for November 2025: Best Investments for Hedging Amid Inflation, Tariff Adjustments, and Fed Easing

By -
Image
Introduction As November 2025 unfolds, the stock market navigates a complex and evolving landscape shaped by President Trump's adjusted tariff policies, which have moderated slightly but still contribute to persistent inflation around 3.4% and economic uncertainty. Despite these headwinds, the Federal Reserve's ongoing rate cuts—totaling 0.875% so far this year—have ignited a powerful market melt-up, with the S&P 500 rallying 39% over the past six months on strong corporate earnings and AI optimism.  Gold prices have surged past $4,150 an ounce as a hedge and inflation buffer, while cryptocurrencies continue to hit new highs and maintain their upward trajectory. However, warnings of an AI bubble abound and linger, with elevated valuations in tech giants signaling potential risks that may not materialize until the Fed tightens policy or if policies change.  Silver prices have risen above $55 per ounce and reached an all time high last month, fueled by industrial demand in ...
Read more

Tech and Innovation ETFs in 2025: Top Picks, Strategies, and Risks (November 2025)

By -
Image
As we enter the latter half of 2025, the technology sector continues to dominate global markets, driven by breakthroughs in artificial intelligence (AI), semiconductors, robotics, and cloud computing. With the S&P 500's tech component accounting for over 34% of the index and the Nasdaq-100 even more heavily weighted toward innovation-driven companies, tech and innovation ETFs offer investors a streamlined way to capitalize on these trends. These exchange-traded funds (ETFs) provide diversified exposure to high-growth areas without the need to pick individual stocks, reducing some of the inherent risks while maintaining potential for substantial returns. Update:  Top 10 Stocks and ETFs Poised to Outperform in November 2025 This guide explores the current market landscape, key selection criteria for ETFs, top picks for 2025, portfolio-building strategies, associated risks, and forward-looking forecasts. Whether you're a beginner investor or a seasoned portfolio manager, this ...
Read more

Top 10 Stocks and ETFs Poised to Outperform in November 2025

By -
Image
As November 2025 unfolds, the stock market navigates a complex and evolving landscape shaped by President Trump's adjusted tariff policies, which have moderated slightly but still contribute to persistent inflation around 3.4% and economic uncertainty. Despite these headwinds, the Federal Reserve's ongoing rate cuts—totaling 0.875% so far this year—have ignited a powerful market melt-up, with the S&P 500 rallying 39% over the past six months on strong corporate earnings and AI optimism. Gold prices have surged past $4,150 an ounce as a hedge and inflation buffer, while cryptocurrencies continue to hit new highs and maintain their upward trajectory. However, warnings of an AI bubble abound and linger, with elevated valuations in tech giants signaling potential risks that may not materialize until the Fed tightens policy or if policies change. Drawing from analyses by Zacks, Forbes, ValueSense, US News, Morningstar, Bankrate, and Motley Fool, this list highlights 10 high-conv...
Read more

Top 10 Food Companies by Revenue (2025)

By -
Image
Based on the most recent 2025 revenue data as of November 2025 (using trailing twelve months or fiscal 2024 figures where full calendar 2025 data is not yet available due to ongoing reporting), here are the top 10 food companies ranked by revenue. This update incorporates latest quarterly reports, TTM figures, and industry rankings from sources like Food Engineering's 2025 Top 100 Food and Beverage Companies, which notes PepsiCo surpassing Nestlé for the top spot based on reported sales. Top 10 Food Companies by Revenue (2025) This ranking reflects the largest companies primarily by annual revenue, emphasizing food production, processing, distribution, and retail sectors globally ( 1 ,  4 ). 1. Nestlé (Switzerland) Annual Revenue: USD  $113 billion ( nestle.com ) Key Brands: Nescafe, KitKat, Maggi, Purina, Waters Headquarters: Vevey, Switzerland Global Footprint: 188 countries Strategic Significance: World’s largest food manufacturer Notes:  World's largest food ...
Read more

Top 10 ETF Picks for November 2025: Best Investments for Growth Amid AI Surge, Tariff Adjustments, and Ongoing Fed Easing

By -
Image
Introduction As November 2025 progresses, the stock market contends with an evolving backdrop marked by President Trump's adjusted tariff policies, which have moderated but sustain inflationary pressures near 3.3%. The Federal Reserve's total 1.00% rate cuts this year have ignited a powerful rally, driving the S&P 500 up 42% over the past six months, fueled by stellar earnings and AI progress. Gold has surpassed $4,300 per ounce as an inflation buffer, while cryptocurrencies maintain their upward trajectory. However, AI bubble worries linger, with lofty tech valuations susceptible to shifts if policies change. Aggregated from insights by Zacks, Forbes, Morningstar, Bankrate, and Motley Fool, this list spotlights 10 premier ETFs emphasizing AI innovation, sturdy sectors, and diversified strategies to traverse economic divides. Top 10 ETFs Selections highlight YTD performance, AUM for dependability, and anticipated growth in AI, tech, healthcare, and broad markets. Data sourc...
Read more

5 Best GPUs for AI Video Generation 2025

By -
Image
As AI video generation tools like Stable Video Diffusion, Runway ML, and emerging models from OpenAI continue to evolve, having the right GPU is crucial for creators, developers, and enthusiasts. In 2025, AI video workflows demand high VRAM for handling large models, efficient tensor cores for acceleration, and robust support for frameworks like PyTorch and TensorFlow. NVIDIA remains the leader due to its CUDA ecosystem, but AMD offers competitive alternatives with improving ROCm support. This guide ranks the best GPUs based on performance, VRAM, power efficiency, and value for AI video tasks such as text-to-video, video upscaling, and style transfer. Key Factors to Consider When Choosing a GPU for AI Video Generation Before diving into recommendations, here's what matters most in 2025: VRAM Capacity : Aim for at least 24GB to run high-resolution models without batching or offloading. Architecture : NVIDIA's Blackwell (RTX 50-series) offers multi-frame generation (MFG) for fast...
Read more

Top Silver ETFs to Watch in 2025: Best Picks for Strong Returns and Low Costs

By -
Image
Along with gold, silver is in high demand as precious metals are highly sought after as safe havens in uncertain economic environments, boosting prices and assets for top silver ETFs like the iShares Silver Trust (SLV). Investors use silver ETFs for various purposes. Other than its safe-haven benefits, some invest for speculative reasons, hoping to profit from potential increases in silver prices or as a hedge against geopolitical turmoil or currency devaluation. Keep reading to learn more about investing in silver and see a list of top ETFs investing in the precious metal.   What Are Silver ETFs?  Silver ETFs are exchange-traded funds that provide exposure to the price of silver, a precious metal. These ETFs are designed to track the performance of silver prices, making it easier for investors to gain exposure to the silver market without physically owning and storing the metal itself. Silver's unique combination of properties, including its electrical conductivity, thermal c...
Read more

Top Pharma ETFs for 2025: The Best Pharmaceutical Investments for Healthcare Growth

By -
Image
The pharmaceutical sector continues to thrive in 2025, driven by breakthroughs in biotechnology, rising demand for innovative treatments, and a global push toward personalized medicine. With an aging population and increasing healthcare spending projected to reach $10 trillion worldwide by 2026, investing in pharma offers a compelling opportunity for long-term growth. Exchange-traded funds (ETFs) focused on pharmaceuticals provide diversified exposure to leading drug makers, reducing the risk of picking individual stocks like Eli Lilly (LLY) or Johnson & Johnson (JNJ). In this guide, we'll explore the top pharma ETFs for 2025, ranked by assets under management (AUM), year-to-date (YTD) performance, and overall appeal for investors seeking stability and upside in healthcare. Whether you're a beginner eyeing low-cost options or a seasoned trader chasing high-growth biotech plays, these best pharmaceutical ETFs can anchor your portfolio. All data is current as of mid-November ...
Read more