Balance Transfer (BT) Plans V4 - Banks Offer List

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Credit Cards Balance Transfer (BT) Plans V4 - Banks Offer List, Credit card debt consolidation

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TSbrotan	Apr 9 2016, 06:25 PM, updated 8y ago Show posts by this member only \| Post #1
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	Click Here For V2 Click Here For V3 FAQ On BT Topics (Read This Before You Ask Any Questions. If Your Questions Are Not Covered By The FAQ, Pls Ask In Forum) In the spoiler are some of the most commonly asked questions in the thread. I have compiled them here for easier reference as not to repeat the same question all over » Click to show Spoiler - click again to hide... « Q : Is it possible to BT within the same bank? Eg BT from Bank A to Bank A A : NO, it is not possible. You can only BT between cc of 2 different banks. Eg BT from Bank A to Bank B Q : Is it possible for Mr. A cc to BT to Mr. B cc ? That means BT between 2 different card holder A : NO, it is not possible. You can only BT between 2 cards with same card holder name Q : Is it possible to BT to non cc (eg debit card or saving/current acc)? A : NO, it is not possible. You can only BT between 2 credit cards (Note : HLB seems to be offer such service. Pls check with their CS) Q : What is the maximum amount that I can BT? A : Each bank has different policy but general consensus is 80% of your available balance credit. Eg if your credit limit is RM 20k and you still owe the bank RM 15k, then you can maximum BT RM 4k. However, always consult your bank for the actual amount Q : I want to know the best offer provided by banks, especially those with low or 0 interest / fees? Can you provide them? A : Pls refer to the spoilers below. We have information on 0% or low interest BT Q : Are your information below on bank offers up to date? A : They are always updated with latest info once someone or myself found out the current info is outdated. By default, you can assume they are up to date. If you find it is not, pls leave a comment in to forum and I will try my best to update them asap ######### Listed below are banks current offering of Balance Transfer (BT) program As I do this on a non regular basis, so if there is any update on the balance transfer offering or mistake in my post, pls let me know by PM so that I can update / correct it Disclaimer : I am not responsible for any financial issues arise from using the information provided. As I cannot list down all the T & C impose by banks, pls make sure you double check with the banks on the BT topics before you make any of your decision Thanks ######### Banks Currently Offering 0% Balance Transfer » Click to show Spoiler - click again to hide... « 1) Public Bank : 6 mths, Min - 6k per bank, Valid Until : 30/6/2014 (extended until further notice) 2) Aeon Credit Service : 6 mths, Min - 1k per application, Valid Until : NA Banks Currently Offering <= 3%/yr Balance Transfer » Click to show Spoiler - click again to hide... « 1) Public Bank : 1 yr, one time 2.5% fee, Min - 1k per bank, Valid Until : 30/6/2012 (extended until further notice) 2) Public Bank : 2 yr, one time 5% fee, Min - 3k per bank, Valid Until : 30/6/2012 (extended until further notice) 3) Affin - 36 mths, 7% fee, 0% interest / yr, Min - RM 3k per bank. Valid until : NA 4) BSN : 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank, Valid Until : 30/4/2013 (but BSN say so far always auto extend) 5) BSN : 24 mths, 0% fee, 0.375% interest/mth w/ 0% last 12 mths, Min - RM 1k per bank, Valid Until : 30/4/2013 (but BSN say so far always auto extend) 6) Hong Leong : Up to you when you want to settle (no end date), 6.99% one time fee, 0% interest, Min - RM 1k per bank, Valid Until : Not sure 7) Alliance : 24 mths, 0% fee, 2% interest/yr, Min - RM 2k per bank, Valid Until : 31/5/2012 8) Affin - 24 mths, 6% fee, 0% interest / yr, Min - RM 2k per bank. Valid until : NA General Balance Transfer Offering Bank Name : Public Bank » Click to show Spoiler - click again to hide... « Link : http://www.pbebank.com/en/en_content/personal/cards/bt.html Email : custsvc@publicbank.com.my Balance transfer details Valid Until : 30/6/2012 (extended until further notice) Early Settlement Penalty : RM 100 per balance transfer : Plan A - 6 mths, 0% fee, 0% interest, Min - RM 6k per bank : Plan B - 12 mths, 2.5% fee, 0% interest, Min - RM 1k per bank : Plan C - 24 mths, 5% fee, 0% interest, Min - RM 3k per bank : Plan D - 36 mths, 7% fee, 0% interest, Min - 6k per bank : Plan E - 6 mths, 1% fee, 0% interest, Min - 500 per bank Bank Name : Maybank » Click to show Spoiler - click again to hide... « Link : http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards Email : mbbcardservices@maybank.com.my Balance transfer details Valid Until : NA Early Settlement Penalty : RM 0 : Plan A - 6 mths, 0% fee, 0.5% interest/mth, Min - RM 1k per application : Plan B - 9 mths, 0% fee, 0.75% interest/mth, Min - RM 1k per application : Plan C - 24 mths, 0% fee, 0.375% interest/mth, Min - RM 2k per application : Plan D - 36 mths, 0% fee, 0.413% interest/mth, Min - RM 2k per application Bank Name : RHB » Click to show Spoiler - click again to hide... « Link : http://www.rhb.com.my/cards/benefits/smart_move/main.html Balance transfer details Valid Until : NA Early Settlement Penalty : No but up front interest paid will not be refunded : Plan A - 12 mths, 0% fee, 4% interest one time, Min - RM 1k per bank : Plan B - 18 mths, 0% fee, 7% interest one time, Min - RM 1k per bank : Plan C - 24 mths, 0% fee, 9% interest one time, Min - RM 1k per bank Bank Name : RHB Islamic » Click to show Spoiler - click again to hide... « Link : http://www.rhb.com.my/islamic_banking/cards/cc_main.html Balance transfer details Valid Until : 15/1/2014 Early Settlement Penalty : No but up front interest paid will not be refunded : Plan A - 6 mths, 0% fee, 0% interest one time, Min - RM 1k per bank : Plan B - 9 mths, 1% fee, 0% interest one time, Min - RM 1k per bank Bank Name : Aeon Credit Service » Click to show Spoiler - click again to hide... « Link : http://www.aeonmalaysia.com.my/acs/af/kona...ChannelId=-8814 Email : customer.service@aeonmalaysia.com.my Balance transfer details Valid Until : NA Early Settlement Penalty : RM 0 : Plan A - 6 mths, 0% fee, 0% interest, Min - RM 1k per application Bank Name : AmBank » Click to show Spoiler - click again to hide... « Link : http://www.ambankgroup.com/en/Personal/Car...es/default.aspx Balance transfer details Valid Until : NA Early Settlement Penalty : RM 100 per balance transfer : Plan A - 6 mths, 0% fee, 4.99% interest/yr, Min - RM 5k per transaction : Plan B - 12 mths, 0% fee, 8.99% interest/yr, Min - RM 5k per transaction : Plan C - 24 mths, 0% fee, 8.99% interest/yr, Min - RM 5k per transaction Bank Name : Al Rajhi Bank » Click to show Spoiler - click again to hide... « Link : http://www.alrajhibank.com.my/personal_fin..._transfer.shtml Balance transfer details Valid Until : NA Early Settlement Penalty : Yes but no formula. To be decided by bank (like car loan) : Plan A - 2 yrs - 5yrs, 0% fee, 7.99% interest/yr, Min - RM 2k per application Bank Name : BSN » Click to show Spoiler - click again to hide... « http://www.mybsn.com.my/tab_pb_transferplan.html Balance transfer details Valid Until : 30/4/2013 (but BSN say so far always auto extend) Early Settlement Penalty : RM 100 : Plan A - 3 mths, 0% fee, 0.3% interest/mth, Min - RM 500 per bank : Plan B - 6 mths, 0% fee, 0.3% interest, Min - RM 1k per bank : Plan C - 9 mths, 0% fee, 0.3% interest/mth, Min - RM 1k per bank : Plan D - 12 mths, 0% fee, 0.3% interest/mth w/ 0% last 6 mths, Min - RM 1k per bank : Plan E - 24 mths, 0% fee, 0.375% interest/mth w/ 0% last 12 mths, Min - RM 1k per bank : Plan F - 36 mths, 0% fee, 0.375% interest/mth, Min - RM 2k per bank Bank Name : CIMB » Click to show Spoiler - click again to hide... « Not Available Bank Name : OCBC » Click to show Spoiler - click again to hide... « Balance transfer details Valid Until : NA Early Settlement Penalty : NA : Plan A - 6 mths, 2% fee, 0% interest, Min - RM 1k per bank : Plan B - 12 mths, 4% fee, 0% interest, Min - RM 1k per bank Bank Name : Standard Charted » Click to show Spoiler - click again to hide... « Link : http://www.standardchartered.com.my/person.../advantages/en/ Balance transfer details Valid Until : NA Early Settlement Penalty : NA : Plan A - 12 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction : Plan B - 18 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction : Plan C - 24 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction : Plan D - 36 mths, 0% fee, 5.99% interest/yr, Min - RM 1k per transaction Bank Name : MBF » Click to show Spoiler - click again to hide... « Link : http://www1.mbfcards.com/promotion-powerdelicpair.html Balance transfer details Valid Until : 31/12/2012 Early Settlement Penalty : Pls call bank to find out : Plan A - Total accumulative BT for 1st 3k (can be few months BT accumulation) - 0%, after 3k 5.99% 1 time fee per BT. Eg. 1st mth BT - RM 1k, 2nd mth BT - RM 2k, 3rd mth BT - RM 1k, 4th mth BT - RM 1k Fee charge 1) 1st mth - 0% 2) 2nd mth - 0% 3) 3rd mth - 5.99% 4) 4th mth - 5.99% Rule : Must spend RM 300 per month or else normal BT interest rate will be charged for each month not meeting the target Bank Name : Citibank » Click to show Spoiler - click again to hide... « Link : http://www.citibank.com.my/english/existin...installment.htm Balance transfer details Valid Until : NA Early Settlement Penalty : RM 0 : Plan A - 0% BT available but only for existing customer. Not disclosed on website or through phone. Call bank to find out : Plan B - 6 mths, 0% fee, 5.81% interest/yr, Min - RM 1k per bank : Plan C - 9 mths, 0% fee, 5.56% interest/yr, Min - RM 1k per bank : Plan D - 12 mths, 0% fee, 5.44% interest/yr, Min - RM 1k per bank : Plan E - 18 mths, 0% fee, 5.35% interest/yr, Min - RM 1k per bank : Plan F - 24 mths, 0% fee, 5.32% interest/yr, Min - RM 1k per bank : Plan G - 30 mths, 0% fee, 5.32% interest/yr, Min - RM 1k per bank : Plan H - 36 mths, 0% fee, 5.33% interest/yr, Min - RM 1k per bank Bank Name : UOB » Click to show Spoiler - click again to hide... « Link : http://www1.uob.com.my/personal/promotions...tion_index.html Balance transfer details Valid Until : NA Early Settlement Penalty : RM 100 per balance transfer : Plan A - 6 mths, 3.3% fee, 0% interest, Min - RM 1k per bank : Plan B - 12 mths, 6% fee, 0% interest, Min - RM 1k per bank : Plan C - 6 mths, 0% fee, 0.499% interest/mth, Min - RM 1k per bank : Plan D - 12 mths, 2% fee, 0.75% interest/mth, Min - RM 1k per bank : Plan E - 18 mths, 5% fee, 1% interest/mth, Min - RM 1k per bank Bank Name : Hong Leong » Click to show Spoiler - click again to hide... « Link : http://www.hlb.com.my/pfs/cc/ccbt.jsp?flag=ccbt Balance transfer details Valid Until : Not sure Early Settlement Penalty : RM 0 : Plan A - Up to you when you want to settle (no end date), 6.99% fee, 0% interest, Min - RM 1k per bank Note : There seems to be contradicting T&C stated in the official document vs what is being described by the bank CS. Pls make sure you do your homework before you commit yourself Valid Until : NA Early Settlement Penalty : RM 100 : Plan B - 3 mths, 0% fee, 0.4% interest/mth, Min - RM 1k per bank : Plan C - 6 mths, 0% fee, 0.5% interest/mth, Min - RM 1k per bank : Plan D - 9 mths, 0% fee, 0.75% interest/mth, Min - RM 1k per bank : Plan E - 12 mths, 0% fee, 1% interest/mth, Min - RM 1k per bank Bank Name : Affin » Click to show Spoiler - click again to hide... « Link : [url=http://www.affinbank.com.my/news/2013-abb-btip.htm[/url] Balance transfer details Valid Until : NA Early Settlement Penalty : RM 100 per balance transfer : Plan A - 6 mths, 2% fee, 0% interest, Min - RM 1k per bank : Plan B - 12 mths, 4% fee, 0% interest, Min - RM 1k per bank : Plan C - 18 mths, 5% fee, 0% interest, Min - RM 2k per bank : Plan D - 24 mths, 6% fee, 0% interest, Min - RM 2k per bank : Plan E - 36 mths, 7% fee, 0% interest, Min - RM 3k per bank Bank Name : Alliance Bank » Click to show Spoiler - click again to hide... « Link : http://www.alliancebank.com.my/ccard_balan...e.html#BTFLE6MP Balance transfer details Valid Until : NA Early Settlement Penalty : RM 0 (but the remaining interest you still have to pay) : Plan A - 6 mths, 0% fee, 5.04% interest/yr, Min - RM 2k per bank Valid Until : NA Early Settlement Penalty : 5% of BT application amount + the remaining interest you still have to pay : Plan B - 12 mths, 0% fee, 6% interest/yr, Min - RM 1k per bank : Plan C - 18 mths, 0% fee, 6% interest/yr, Min - RM 2k per bank : Plan D - 24 mths, 0% fee, 6% interest/yr, Min - RM 2k per bank[/spoiler] Bank Name : Bank Islam » Click to show Spoiler - click again to hide... « Link : http://www.bankislam.com.my/Documents/BALA...ANSFER_FORM.pdf Balance transfer details Valid Until : NA Early Settlement Penalty : NA : Plan A - Min 12 mths, 0% fee, 1.5% interest / month, Min - RM 1k per bank This post has been edited by brotan: Nov 1 2016, 11:00 AM Amalsyah12 liked this post
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TSbrotan	Apr 9 2016, 06:25 PM Show posts by this member only \| Post #2
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	Reserved
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busyman	Apr 10 2016, 10:43 AM Show posts by this member only \| Post #3
Regular Senior Member 1,465 posts Joined: Feb 2009	Maybank BT 0% for 12 months? Or is it a typo ? Attached thumbnail(s)
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victorywp	Apr 10 2016, 11:15 AM Show posts by this member only \| Post #4
V.I.P All Stars 11,740 posts Joined: Oct 2013 From: Her Heart	QUOTE(busyman @ Apr 10 2016, 10:43 AM) Maybank BT 0% for 12 months? Or is it a typo ? but there's still upfront 3% fee.
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TSbrotan	Apr 10 2016, 11:17 AM Show posts by this member only \| Post #5
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	QUOTE(busyman @ Apr 10 2016, 10:43 AM) Maybank BT 0% for 12 months? Or is it a typo ? That's like 6% per annum. Lol
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busyman	Apr 10 2016, 11:35 AM Show posts by this member only \| Post #6
Regular Senior Member 1,465 posts Joined: Feb 2009	QUOTE(victorywp @ Apr 10 2016, 11:15 AM) but there's still upfront 3% fee. so it's really 0% with one time 3% fee ?
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victorywp	Apr 10 2016, 11:40 AM Show posts by this member only \| Post #7
V.I.P All Stars 11,740 posts Joined: Oct 2013 From: Her Heart	QUOTE(busyman @ Apr 10 2016, 11:35 AM) so it's really 0% with one time 3% fee ? yes, it should be that meaning.
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crazyito	Apr 10 2016, 01:44 PM Show posts by this member only \| Post #8
Getting Started Junior Member 82 posts Joined: Aug 2006 From: Petaling Jaya	we can only apply for BT when we receive the cc statement for other cc right? the interest free period is 20 days, usually receive the e-statement few days after the statement date, and the BT will be completed within 15 business days. won't it be late? sorry, new to BT
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TSbrotan	Apr 10 2016, 01:58 PM Show posts by this member only \| Post #9
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	QUOTE(crazyito @ Apr 10 2016, 01:44 PM) we can only apply for BT when we receive the cc statement for other cc right? the interest free period is 20 days, usually receive the e-statement few days after the statement date, and the BT will be completed within 15 business days. won't it be late? sorry, new to BT Most cases yes For pbb, don't need statement though
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sj0217	Apr 10 2016, 02:35 PM Show posts by this member only \| IPv6 \| Post #10
Look at all my stars!! Senior Member 6,483 posts Joined: Apr 2012	QUOTE(busyman @ Apr 10 2016, 11:35 AM) so it's really 0% with one time 3% fee ? Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate
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CP88	Apr 10 2016, 02:47 PM Show posts by this member only \| Post #11
Look at all my stars!! Senior Member 2,677 posts Joined: Dec 2010	QUOTE(sj0217 @ Apr 10 2016, 02:35 PM) Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate Look interesting for the Ikhwan if there's no 3%
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leo_kiatez	Apr 10 2016, 03:02 PM Show posts by this member only \| Post #12
Look at all my stars!! Senior Member 2,112 posts Joined: Jul 2013	QUOTE(sj0217 @ Apr 10 2016, 02:35 PM) Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate Apply for the Ikhwan BT, and update us here then..
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busyman	Apr 10 2016, 03:51 PM Show posts by this member only \| Post #13
Regular Senior Member 1,465 posts Joined: Feb 2009	QUOTE(sj0217 @ Apr 10 2016, 02:35 PM) Have asked about BT from MBB (MBB Card & MBB Islamic Ikhwan Card) Ya, 0% for 12 months come with one time fee 3% but for Islamic Ikhwan Card there is no 3% charge in their website. However, the Card Center Staff told me it should be 3% too, not sure whether which one is correct Maybank Credit Card Balance Transfer rate Maybank Islamic Ikhwan Card Balance Transfer rate interested with may bank BT, how much can we BT? 80% of CL? anyone experience more than 80% of CL ? Question Let say my Mbb CC statement date is 6th every month. So suppose my statement will be 6 may 2016, right now let say I have already spend RM100. I apple for BT from HL to MBB said next week(17/4/2016), and got approve. So where's the RM100 CC expenses go to ? will I still enjoy interest free period of 20 days after I got the 6 may 2016 statement? As I read somewhere that any expenses after the BT approve will be part of the loan.
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TSbrotan	Apr 10 2016, 03:53 PM Show posts by this member only \| Post #14
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	QUOTE(busyman @ Apr 10 2016, 03:51 PM) interested with may bank BT, how much can we BT? 80% of CL? anyone experience more than 80% of CL ? Question Let say my Mbb CC statement date is 6th every month. So suppose my statement will be 6 may 2016, right now let say I have already spend RM100. I apple for BT from HL to MBB said next week(17/4/2016), and got approve. So where's the RM100 CC expenses go to ? will I still enjoy interest free period of 20 days after I got the 6 may 2016 statement? As I read somewhere that any expenses after the BT approve will be part of the loan. you are trying to BT from HL to MBB or MBB to HL? although you did state it, your detail description still confused me BT from HL to MBB means you ask MBB to pay HL cc statement This post has been edited by brotan: Apr 10 2016, 03:55 PM
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sj0217	Apr 10 2016, 03:58 PM Show posts by this member only \| IPv6 \| Post #15
Look at all my stars!! Senior Member 6,483 posts Joined: Apr 2012	QUOTE(CP88 @ Apr 10 2016, 02:47 PM) Look interesting for the Ikhwan if there's no 3% Somehow MBB staff told me, there will be 3% one time fee regardless Islamic and normal Card QUOTE(leo_kiatez @ Apr 10 2016, 03:02 PM) Apply for the Ikhwan BT, and update us here then.. Too bad as my credit limit for Islamic Card only RM1,000, so unable to process for BT
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TSbrotan	Apr 10 2016, 03:59 PM Show posts by this member only \| Post #16
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	QUOTE(sj0217 @ Apr 10 2016, 03:58 PM) Somehow MBB staff told me, there will be 3% one time fee regardless Islamic and normal Card Too bad as my credit limit for Islamic Card only RM1,000, so unable to process for BT what the cs said make more sense because normally BT T&C are not tied to a type of cc but i can be wrong
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busyman	Apr 10 2016, 04:07 PM Show posts by this member only \| Post #17
Regular Senior Member 1,465 posts Joined: Feb 2009	QUOTE(brotan @ Apr 10 2016, 03:53 PM) you are trying to BT from HL to MBB or MBB to HL? although you did state it, your detail description still confused me BT from HL to MBB means you ask MBB to pay HL cc statement BT from HL to MBB( ask MBB to pay HL)
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TSbrotan	Apr 10 2016, 04:15 PM Show posts by this member only \| Post #18
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	QUOTE(busyman @ Apr 10 2016, 04:07 PM) BT from HL to MBB( ask MBB to pay HL) In short treat the monthly instalment for bt same like your normal cc expenses
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kelvinlzy	Apr 10 2016, 04:29 PM Show posts by this member only \| Post #19
Look at all my stars!! Senior Member 2,493 posts Joined: Mar 2014	May I ask, if I already have 1 BT account under Aeon Watami, can I do another BT using another Aeon Gold?
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TSbrotan	Apr 10 2016, 04:31 PM Show posts by this member only \| Post #20
Look at all my stars!! Senior Member 2,392 posts Joined: Dec 2009	QUOTE(kelvinlzy @ Apr 10 2016, 04:29 PM) May I ask, if I already have 1 BT account under Aeon Watami, can I do another BT using another Aeon Gold? nope. need to clear your existing bt before making a new one
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