Convert Credit Card Balance To Installments | OCBC Malaysia

OCBC BALANCE CONVERSION

Convert your statement purchases into monthly instalments

Why you will love this

Lower monthly repayments

Freedom to choose from any retail purchases

Multiple repayment options for up to 36 months

Who can apply

Existing OCBC Credit Card holders

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Enjoy low repayments when you convert multiple purchases into one instalment plan of up to 36 months with OCBC Balance Conversion.

FEATURES AND BENEFITS

Lower monthly repayments

Stretch your repayments by up to 36 months

Freedom to choose

Select retail purchases in your current month's credit card statement* and convert them into instalments before the payment due date.

*Subject to a minimum of RM1,000

HOW IT WORKS
Balance Conversion
Interest Rate
Repayment Tenure
OCBC Balance Conversion
RM1,000 and above
7.99% a year
12, 24, 36 months
YOUR MONTHLY REPAYMENTS

The table below shows the breakdown of monthly repayments for each tenure option with converted amount of RM1,000.

Amount Flat Interest Rate Effective Interest Rate Tenure Selection Monthly Repayment
RM1,000 7.99% a year 14.43% a year 12 months RM89.99/month
for 12 months
14.66% a year 24 months RM48.33/month
for 24 months
14.53% a year 36 months RM34.44/month
for 36 months
BEFORE YOU APPLY

Terms and conditions

OCBC Balance Conversion Terms and Conditions (EN/ BM) 

All applications for OCBC Balance Conversion are subject to approval at OCBC Bank's sole absolute discretion.

WAYS TO APPLY

Apply for an OCBC Balance Conversion today

Call us at +603 8317 5000 to know more.

FAQ
Common questions
What do I have to do before applying?

Please ensure that:

  • Your Card is activated and in good standing.
  • You have no outstanding Statement Balance Due as shown on your credit card monthly statement.
  • Your OCBC Credit Card available limit is sufficient for the Balance Conversion interest amount to be charged on your card.

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