Citibank
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 5.81% p.a. and no one-time upfront handling fee | from RM1000 |
| 9 months | 5.56% p.a. and no one-time upfront handling fee | from RM1000 |
| 12 months | 5.44% p.a. and no one-time upfront handling fee | from RM1000 |
| 18 months | 5.35% p.a. and no one-time upfront handling fee | from RM1000 |
| 24 months | 5.32% p.a. and no one-time upfront handling fee | from RM1000 |
| 30 months | 5.32% p.a. and no one-time upfront handling fee | from RM1000 |
| 36 months | 5.33% p.a. and no one-time upfront handling fee | from RM1000 |
Transfer your credit card debt from other banks' to a brand new Citibank card and convert them into monthly instalments.
It's always a good idea to keep the outstanding balance of your credit card on the lowest interest rate where possible. Which is why Citibank offers you the Citibank Balance Transfer via Instalment Plan!
With Citibank Balance Transfer via Instalment Plan, you can consolidate all the balances from other credit cards to one Citibank credit card and enjoy low interest fees. With flexible monthly instalment tenures of 6 to 36 months, you can choose a comfortable repayment period which fits your needs.
You’ll have to transfer at least RM1,000 to make this balance transfer work for you, while the maximum you can transfer will depend on your credit limit.
Citibank Balance Transfer via Instalment Plan offers fixed monthly instalment. So if you make an excess payment, your oustanding debt will not be reduced but will be treated as advance payment.
In the event that you fail to pay your monthly instalment for 3 months or more, a higher interest rate will be charged upon your outstanding balance. Would you want to risk going back to square one with high credit card interest charges?
If you decide to settle your credit balance before half the tenure to maturity, an early settlement fee of RM100 will be charged to you.
Unfortunately, no rewards or cash back is offered for this balance transfer plan.
| Credit card image | Credit card name and benefits | Annual Fee | Minimum Annual Income | Apply Online |
|---|---|---|---|---|
 | Citi SimplicityGet rewarded when you pay your bills on time with 10% interest back and if you are late on payments, cut the drama with no late fees. |
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 | Citi Rewards World MasterCardEntitlement, rewards and privilege are what follow when you have the Citi Rewards World MasterCard. Enjoy the exclusivity of World MasterCard status. |
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