Hi all,
Need an advise. My situation, I want to clear off my cc debt amount of rm10k

I'm interested with these 2 offer
1. Ambank Balance transfer - Ambank promo
2. Al Rajhi Personal Financingi - Al Rajhi Personal financing promo

The diff
1. 8.99 pa and come with gift(40" Sharp LCD or Sony Xperia arc)
2. 7.25 pa

My plan is to settle witihin 2yrs.
Thanks in advance.