If you have Amex Gold card, you can do a balance transfer. Their best rate I called them was this:

Minimum amount: RM2,000/-
Period: 24 months
Fee: RM30/-
Rate: 0.375% per month (or about 4.5% per annum)

Early settlement is useless because they will charge you the full interest anyway.

Only problem is that you need to make a big purchase using another credit card and do the balance transfer. Good thing you get your reward points twice!