Yes, really. I did receive sms from HSBC offering 0% BT for 6 months. But this promotion is not advertised in thier website.

Trying hard to understand what are you trying to say. Let's try
When you do installment ... the lump sum already become small payment. So it will look weird that you are actually BT more than what you owe to the bank right ? Unless of course you intend to close the other cc then might as well terminate the installment plan and do a full BT.

On another note, I hope all the folks here will be mindful on how they present their fact about the BT waiver. I'm concerned that there's increasingly many want cards with free GST. IMHO, the real consideration would be to use cc which best suit your lifestyle.  E.g SCB Titanium does not have free GST waiver but I'm very sure folks who has it does not cancel it, pay the GST and become the envy of those who can't apply for it.

I don't want to sound harsh but if you can't pay RM50 then please don't bother to use cc. Use cash.
CC rewards you when you spend ... never ever chase a cc just because of the freebies. You are unlikely to have a happy ending that way.

Existing installment plan cannot do BT to another card while the new transaction as you mentioned going to swipe 10k tomorrow can be BT to another card (for new transaction, must wait it appear on the statement b4 apply for BT). This is not consider partial BT.

Partial BT eg:
Existing outstanding balance without installment plan = RM25000
Apply BT to another card = RM15000
Balance outstanding on existing card = RM10000

Full BT eg:
Existing outstanding balance without installment plan = RM25000
Apply BT to another card = RM25000
Balance outstanding on existing card = RM0

Hope that this will answer your question...