- To apply, leave your contact details on the Citibank online enquiry form. Citibank sales representative will contact you within the next business day
- If you're big on talking, you can call CitiPhone at 03 2383 0000 (Kuala Lumpur), 04 296 0000 (Penang), 07 268 0000 (Johor Bahru) or 1 800 82 1010 (Sabah & Sarawak) anytime, any day.
Low Interest Plans
Transfer your debt now to enjoy special low interest fees each month!
- Citibank Balance Transfer Plan
Pay Over With Interest Rate At When You Transfer 12 months 8.99% p.a. and no one-time upfront handling fee from RM1000
Fees & Charges
There are always fees but how much are they?
- Minimum monthly payment
- 5% of outstanding amountof outstanding amount
- Early Termination Fee
- None
How To Apply for Citibank Balance Transfer Plan
Stay afloat in the vast ocean of your credit card debts
Frequently Asked Questions about Citibank Balance Transfer Plan
Things you might want to know
How does Citibank’s Balance Transfer Plan work?
Citibank Balance Transfer Plan allows you to transfer all or part of your outstanding balance from other credit cards to your Citibank credit card at an effective interest rate of up to 8.99% p.a. for 12 months.
The minimum transfer amount is RM1,000, while the maximum amount will be subject to your available credit limit and Citibank's discretion.
Do I get any benefits from this balance transfer. Any cash back or reward points?
Unfortunately, you won’t be eligible for benefits like cashback or rewards points for your balance transfer with Citibank.
Am I given the option of paying a minimum monthly payment?
There's a minimum monthly payment option of 5% of the outstanding balance you will be required to pay.
How much do I save?
Compared to a normal financing charge of 18% p.a. for 12 months, you can save a significant amount in Interest charges!
Illustration of Accumulated Amount of Interest Charges incurred per annum (p.a.):
| Outstanding Balances | Normal Finance Charge @18% p.a. for 12 months | Balance Transfer @8.99% p.a. for 12 months | SAVINGS |
| RM4,000 | RM594 | RM286 | RM308 |
| RM8,000 | RM1,188 | RM572 | RM616 |
What happens if I fail to make repayment before the monthly due date?
In this case, your credit card will be charged daily interest of 18% p.a. (or 1.5% per month) on the unpaid minimum monthly amount due.
On the other hand, if you fail to settle your outstanding balance in full before the end of the repayment period, 18% p.a. interest will be imposed on the outstanding balance.
Can I settle my credit card debts early?
Yes, you can. There is no early settlement fee for this balance transfer plan!
Apply for a Balance Transfer with one of these Citibank Credit Cards
Get out of debt fast - enjoy 8.99% interest.
| Credit card image | Credit card name and benefits | Annual Fee | Minimum Annual Income | Apply Online |
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 | Citi Rewards MastercardEnjoy unlimited access to airport lounge, 5x reward points, personal accident and purchase protection coverage, and golf privileges every year |
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 | Citi Business Platinum MastercardA unique card that balances your business and lifestyle needs, both locally or abroad. Earn unlimited cashback with automatic redemption. |
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 | Citi Business Signature CardGet cashback on everything! Business credit card that offers great rates and detailed expense reports to help you control your employee's spending |
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 | Citi Travel AccountA credit card that streamlines business expenses, gives 0.75% cashback on travel-related transactions and, insures against misuse by employees for up RM75,000. |
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