guys need ur opinion here. my friend plans to do BT from cimb to to other bank. he has citibank card but BT for citibank is ridiculously high. so i tell him to apply for pbb and do the BT since pbb got cashback for GST and 0% for 6 months BT.

other option i give him is mbb 0% 12 months but need to pay rm50 for GST

which one is better ? or have other better choices, thanks