Should be based on your available credit limit

But why would you do that? Makes no sense

Managed to tfr excess payment from the supp card to principal and other supp cards under that principal card.

I have a rather technical question on BT.  Let's assume the max amount available for BT is 80% of the available credit limit. Is it always based on the available credit limit or still subject to not exceeding the maximum credit limit?

For e.g.

Maximum Credit Limit = 10k
Available credit limit = 10k
Max BT amount = 10k x 80% = 8k

If a person do overpayment of 5k into the card, the available balance becomes 15k, so what is the maximum bt amount? Is it

i) 10k x 80% = 8k or
ii) 15k x 80% = 12k or
iii) 10k only as that is the maximum credit limit?

Hope some sifu can shed some light on this. Thanks.

yes, its possible and i have done that with MBB.
To answer your question, it is ii) 15k x 80% = 12k.
bearbear it make sense to pro long the payment period with same amount of money, consider below scenario.

assuming zero outstanding, no new transaction, and allow 100% of available CL to be used for BT for ease of explanation.

MBB CC CL is 5k, and deposit 7k cash into it, so the available CL is now 12k (with 7k credit in the account).
If we BT 12k from other bank to MBB for 12 mths plan, effectively the monthly repayment is 1k, since we have 7k in credit, we do not need to pay single sen for 7 months.

Whereby had we BT 5k to MBB and paid the 7k cash to other CC, we will have to pay  RM416.67 (5000 / 12) every month to MBB CC.

Just to share... I applied PBB BT every month and able to use upto 100% CL and still able to swipe until 105% of CL. Got rejected at online swipe when cross 105% CL, I pay my pbvs some amount instantly to bring down a little below 105% and I can resume my online swipes.

Try at your own risk.

9. There is no additional fee or charges on Balance Transfer application. The profit rate will follow the existing retail profit rate (17.5% or 16% or 13.5% based on the tiered profit rate charged).

No. They only debit my total BT amount to the BT accounts. No any surcharges.

be careful with its T&C, there is a trap. The tenure is 24 mths and 0% applicable for 1st 12 mths only.
if you settle early, there is interest and management charge imposed~

Plan E (24 months) ‐ Interest Rate/Balance Transfer Fee at 0% per month for the first 12 months and subsequent months at 0.375%. The minimum transfer amount is RM1,000.

12. In the event of early termination of the BT Programme, the whole balance of the instalment amount which includes the outstanding principal and interest/actual management fee will be charged to the Cardholder’s account.