Affin Bank

AffinBank Balance Transfer Installment Plan

Get Balance Transfers from 6 to 36 months with one-time upfront interest charge starting from 2%. Tame your credit card bills now with Affin Bank!

Low Interest Plans

Transfer your debt now to enjoy special low interest fees each month!

AffinBank Balance Transfer Installment Plan
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2% one-time upfront handling feefrom RM1000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1000
18 months0% p.a. and 5% one-time upfront handling feefrom RM2000
24 months0% p.a. and 6% one-time upfront handling feefrom RM2000
36 months0% p.a. and 7% one-time upfront handling feefrom RM3000

Fees & Charges

There are always fees but how much are they?

Minimum monthly payment
5% of outstanding amount
Early Termination Fee
RM100

How To Apply for AffinBank Balance Transfer Installment Plan

Stay afloat in the vast ocean of your credit card debts

Save your money from high interest by transferring your credit card balance from other banks to a new Affin Bank credit card.

  1. Download and complete the Balance transfer application form
  2. Choose your installment tenure from 6, 12, 18, 24 or 36 months
  3. Submit to the nearest Affin Bank branch, or mail it to: AFFIN BANK BERHAD Card Business Department Level 1, Menara Affin No. 80, Jalan Raja Chulan 50200, Kuala Lumpur.

Frequently Asked Questions about AffinBank Balance Transfer Installment Plan

Things you might want to know

Lost many hours of precious sleep thinking about your list of debts and obligations? Transfer your outstanding credit card balance to an Affin Bank credit card and enjoy a one-time upfront balance transfer fee!

How does Affin Bank Balance Transfer Installment Plan (BTiP) Bank work?

Most banks offers annual interest rate for their balance transfer plans, which can go as high as a standard loan interest rate. 

With Affin Bank’s BTiP,  you only need to pay a one-time upfront fee in the first instalment month, which is based on the outstanding balance transferred to your Affin Bank credit card. 

The minimum transfer amount is RM1,000, depending on installment tenure chosen, and must not exceed 90% of your approved credit limit.

Is there an option of minimum repayment?

No, Affin Bank requests that you make a full repayment of your balance transfer before or on the statement due date. If balance transfer instalment is not made in full, the tiered interest rate between 12% p.a. to 18% p.a. will be imposed on the outstanding balance.

What will happen if I pay my monthly repayments late?

Late repayment of your balance transfer monthly instalment not only attracts a finance charge of up to 18% p.a. on the outstanding balance, but also a late payment penalty of 1% or RM10, whichever is higher up to a maximum of RM100.

Make sure that you have a good budgeting plan that allows you to make the repayments in full and on time. Otherwise, the penalty charges are not worth your effort on this balance transfer.

How much is the penalty for early settlement?

In the event that you wish to settle the outstanding amount early, a penalty of RM100 will be imposed upon your decision. The same penalty will be imposed if you cancel your balance transfer with Affin Bank.

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Apply online now for AffinBank Balance Transfer Installment Plan

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