I'm looking for a personal loan to consolidate all my credit card debts(n some small amount personal loan)
into 1..
Any recommendation?

You maybe right if your 13% reducing balance is cheaper than PL rate..
But if eg
Profit Rate: 16.31% (SCB islamic), reducing balance, yup your 13% beats it.

But if some of us we have default a payment or so , our cc rate is at 17 or even 18%.
I was looking at my UOB cc statement, at the back it mention tier 1 rate is 15%, t2 17 , t3 18%..
Well 15% is VERY close to the PL rate..

Hmm my cimb cc statement also 15, 17, 18% respectively... I wonder where u get 13%

balance transfer, u are assuming u have 2 cards?
What if a person hold 4 cards?
min pay for card A , B, C , D
min 5% of each card already hard to handle .. .
then balance transfer say 12 mths..will make matter worst.