What is Balance Transfer? | Updated

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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
12 months
CIMB Bank
0% per rmonth
6 months
Hong Leong
0.5 % per month
6 months
RHB
3% onetime interest charge
12 months
HSBC
5.99% per year
12 months

*Note:
Please check with the banks for updates.

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