Promotion has ended.New BT will have a penalty clause if you settle early.Just got updated by Bank Officer last week.
IMHO, in terms of BT services, HLB is still the best. Reason:
i) Just a call to the officer and the process will be settled. Hassle free
ii) No need to submit latest credit card statement
iii) No need to fax anything. just call.
iv) BT processed in 5 working days(max). normally is 3 working days
v) BEST!!They can transfer money to any account you want, not just the credit card

rate wise,not the best..6% per annum for 6 months
but if u want fast and hassle free BT or cash, I can only think of HLB
PM me if you need the contact from the officer
Just SMS her and she will call you