Citibank

Citibank Balance Transfer via Instalment Plan

Transfer your outstanding balance to a brand new Citibank credit card. Convert your debts to easy to manage monthly repayments for up to 36 months.

Low Interest Plans

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

Citibank Balance Transfer via Instalment Plan
Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and no one-time upfront handling feefrom RM1000
9 months5.56% p.a. and no one-time upfront handling feefrom RM1000
12 months5.44% p.a. and no one-time upfront handling feefrom RM1000
18 months5.35% p.a. and no one-time upfront handling feefrom RM1000
24 months5.32% p.a. and no one-time upfront handling feefrom RM1000
30 months5.32% p.a. and no one-time upfront handling feefrom RM1000
36 months5.33% p.a. and no one-time upfront handling feefrom RM1000

Fees & Charges

There are always fees but how much are they?

Early Termination Fee
RM100

How To Apply for Citibank Balance Transfer via Instalment Plan

Stay afloat in the vast ocean of your credit card debts

Transfer your credit card debt from other banks' to a brand new Citibank card and convert them into monthly instalments.

  1. To convert your outstanding credit card balance into bitesize instalments, simply leave your contact details to Citibank via email. Citibank sales representative will call you back as soon as the next business day.
  2. Alternatively, you can call the bank's customer service CitiPhone at 03-2383-0000 (Kuala Lumpur), 04-2960-000 (Penang), 07-268-0000 (Johor Bahru) or 1800-82-1010 (Sabah & Sarawak) available 24-hours a day to request for Dial-For-Cash.

Frequently Asked Questions about Citibank Balance Transfer via Instalment Plan

Things you might want to know

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!

What is 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.

Can I pay more on my monthly repayments?

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.

What if I fail to make my repayments?

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? 

What are my options for early settlement?

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.

Am I eligible to collect rewards from balance transfer repayment?

Unfortunately, no rewards or cash back is offered for this balance transfer plan.

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