OCBC Balance Transfer allows you to transfer the whole or part of your outstanding balance from other Banks to your OCBC Credit Card and repay the approved amount in fixed monthly instalments.
OCBC BALANCE TRANSFER
Manage your credit card balance the smart way with just one click
Enjoy smarter card management when you transfer the outstanding balances of your other credit cards to your OCBC Credit Card.
FEATURES AND BENEFITS
More savings
Save up to 60% in interest charges, with no processing fees or handling charges and no penalty for early exit.
Save up to 60% in interest charges, with no processing fees or handling charges and no penalty for early exit.
More control
Enjoy fixed monthly instalments for the duration of your tenure for easier tracking of your repayments.
Enjoy fixed monthly instalments for the duration of your tenure for easier tracking of your repayments.
More freedom
Transfer up to 80% of your available credit line.
Transfer up to 80% of your available credit line.
HOW IT WORKS
Check out the table below to learn how you can manage your repayments better and save more.
| Interest Rate | Tenure | BT Amount | Interest at 18% a year (RM) | BT Interest Amount | Savings (RM) |
|---|---|---|---|---|---|
| 2.88% | 6 months | 3,000.00 | 159.45 | 86.40 | 73.05 |
| 2.88% | 6 months | 5,000.00 | 265.76 | 144.00 | 121.76 |
| 2.88% | 6 months | 10,000.00 | 531.51 | 288.00 | 243.51 |
| 4.88% | 12 months | 3,000.00 | 300.48 | 146.40 | 154.08 |
| 4.88% | 12 months | 5,000.00 | 500.80 | 244.00 | 256.80 |
| 4.88% | 12 months | 10,000.00 | 1001.60 | 488.00 | 513.60 |
*Customers can apply through our Customer Service hotline
BEFORE YOU APPLY
Terms and conditions
OCBC Balance Transfer Terms and Conditions (EN/BM)
All applications for OCBC Balance Transfers are subject to approval at OCBC Bank's sole absolute discretion.
WAYS TO APPLY
Apply for OCBC Balance Transfer today
or call us at +603 8317 5000.
FAQS
Common questions
How can OCBC Balance Transfer help manage my credit card balance?
Is there any cost when I apply for OCBC Balance Transfer?
| BT Interest | BT Tenure | Annualised Effective Interest | Eligibility |
| 2.88% of Approved Amount | 6 months | 9.81% a year | New and existing cardmembers |
| 4.88% of Approved Amount | 12 months | 8.89% a year | New and existing cardmembers |