Balance Transfer Plus (BT Plus)

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Switch to a lower interest rate

Consolidate all your credit card outstanding balances and enjoy a fixed low interest rate across a range of flexible repayment periods.

Simple registration and application

Apply with ease – no supporting documents required.
Manage your finances

Consolidate all your credit card balances for better and easier financial management.
Wide range of repayment periods

Choose from a range of repayment periods – 12, 18, 24 or 36 months.
Monthly repayment of RM32.77 is based on transfer amount of RM1,000 at 5.99% p.a. with 36 months instalment period.

The monthly repayment amount is calculated based on:

[Balance Transfer Plus amount + (Balance Transfer Plus amount x interest rate per annum x repayment tenure in years)] / repayment tenure in months

For example:
The monthly repayment for a Balance Transfer Plus amount of RM1,000 with a tenure of 36 months and an interest rate of 5.99% p.a.
= [RM1,000+ (RM1000 x 5.99% x 3 years)] / 36 months
= RM32.77

Competitive rates

Enjoy a fixed interest rate of 5.99% p.a. across the range of repayment periods. This means your monthly repayment can be as low as RM32.77.
Additional information

Enjoy a low fixed interest rate of 5.99% p.a. across the flexible range of repayment periods

Balance Transfer Plus amount (RM)	Monthly repayment (RM)
	12 months	18 months	24 months	36 months
1,000	88.33	60.55	46.66	32.77
5,000	441.63	302.74	233.29	163.85
10,000	883.25	605.47	466.58	327.69
15,000	1,324.88	908.21	699.88	491.54
20,000	1,766.50	1,210.94	933.17	655.39