You can pay RM 166.67 up to you, but you can 5% only which is RM 100 for the first month, then RM 1.9k*5% = 95, then it keeps reducing until a minimum of RM 50 every month. Then, clear the final balance on the expiry date. In your approval email, you will see the expiry date.

Thanks for the clear explanation.

Any Uob 0% BT code?

It's stated right there at the top in your screenshot.

Monthly = 5% of outstanding amount or RM50, whichever is higher..

So your first month payment will be RM2000 x 5% = RM100
Second month payment will be RM1900 x 5% = RM95
Third month payment will be RM1805 x 5% = RM90.25
and so on until the 11th month payment..

on 12th month payment need to clear everything, check your CC statement it will tell you when is the BT expiry date which will be the final day to clear it all on 12th payment..

This post has been edited by Optizorb: Aug 19 2025, 06:54 PM

Cash on Call from Affin

nothing new.
for new card holders only right

BT41, 1.99% p.a.

For a moment I was thrilled with the 0% cash-on-call promo! But..for new card applicants only lah

For PBB BT, how long does the bank take to process the application and money appear in the other bank's CC?
T+2?

my experience for visa BT:

apply 7 Aug b4 12pm, first installment posted on 7 Aug, fund credited on 8 Aug

Updates from my side regarding PBB BT application.

Applied at 3 pm Thurs 21 Aug. First installment immediately appeared on PBB CC
Around 10 am Fri 22 Aug, the payment has been reflected on the other banks.

PBB has become very efficient.

This post has been edited by Gabriel03: Aug 22 2025, 10:19 AM

Applied MBB BT last Saturday. Received the miney to both PBB cards today. Affin not yet received. Should I be concern that I key in wrong number?

Just wait for a bit. Affin takes some time for money to be reflected in the account.

I didn't know that MBB process the BT application on the weekend.

Affin BT usually takes T+2 after verification call. Have you received the approval email by Affin? If yes, then the money will be coming soon.

MBB BT. Will wait for 1 more day for the money to reach Affin.

HLB 0% 12 month balance transfer or cash to HLB savings account is back. Last until 31 August only.

Affin Bank can convert the outstanding balance to 6 months at 0%. Received an SMS, I think it is for above RM3,000 RM 2000.

Add on: “2025 BALANCE CONVERSION CAMPAIGN”

https://www.affinalways.com/storage/TnC/TnC...ampaign-ENG.pdf

Cardmembers who did not receive the SMS and/or EDM from the Bank are INELIGIBLE and EXCLUDED from participating in this Campaign.

Credit to cybpsych

This post has been edited by fruitie: Aug 26 2025, 11:53 AM

Public bank got 0% BT now?

Can PBB Balance Transfer to AEON Credit Cards ? which bank do we choose ?

Citibank.