Automatic Balance Conversion

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FOR BUSINESS

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Proceed

Automatic Balance Conversion programme is by invitation only

This programme automatically converts eligible cardholders’ credit card outstanding balances to monthly instalments.

Lower interest rate

Effective Interest Rate (EIR) at 13% per annum compared to 15% to 18% per annum on your credit card outstanding balances.
Zero fee

No processing and termination fee when you settle the instalment plan early.
Hassle-free

Automatically converts your outstanding credit card balances every 12 months at a lower interest rate for eligible cardholders.
Flexibility

You can choose to opt out from future conversions.

Auto enrolment

Eligible cardholders will be automatically enrolled for the programme.

Easy monthly instalments

Your outstanding credit card balances will be converted to 36 monthly instalments.

Low convertible amount

Minimum convertible amount is RM1,000 only.

Nationality: Malaysian
Monthly income: Less than or equal to RM5,000
Payment history: Payment ratio less or equal 10% (12 previous months’ average)
Payment ratio = Total payment / total statement balance (12 previous months)
Your credit card account is current and not delinquent

Click here for Product Disclosure Sheet (PDS) for Automatic Balance Conversion

Click here for Fees and Charges

Click here for Client Terms and Product Terms for Credit Card

Disclaimer

Break free and pay off your credit card outstanding balances with lower interest monthly instalments

Automatic Balance Conversion programme is by invitation only

Lower interest rate

Zero fee

Hassle-free

Flexibility

Features

Auto enrolment

Easy monthly instalments

Low convertible amount

Eligibility

Important Information