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.

Citibank Balance Transfer via Instalment Plan
Best Interest Rate
5.32% p.a.
Minimum Transfer
RM1,000
Max Duration
36 months
Related products
Choice of up to 0 cards

Low Interest Plans

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

Pay OverWith Interest Rate AtWhen You Transfer
6 months5.81% p.a. and  no one-time upfront handling feefrom RM1,000
9 months5.56% p.a. and  no one-time upfront handling feefrom RM1,000
12 months5.44% p.a. and  no one-time upfront handling feefrom RM1,000
18 months5.35% p.a. and  no one-time upfront handling feefrom RM1,000
24 months5.32% p.a. and  no one-time upfront handling feefrom RM1,000
30 months5.32% p.a. and  no one-time upfront handling feefrom RM1,000
36 months5.33% p.a. and  no one-time upfront handling feefrom RM1,000

Fees & Charges

Early Termination Fee
None

How to apply

Stay afloat in the vast ocean of your credit card debts with Citibank Balance Transfer via Instalment Plan.

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

  1. Simply leave your contact details to Citibank Balance Transfer via Instalment Plan online application form. Citibank sales representative will call you back within 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.

More Information

It's always a good idea to keep the outstanding balance of your credit card at 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?

A credit card flexi payment plan that gives you a low and flat interest rate when you consolidate all the outstanding balances from other credit cards to Citibank credit card. You can choose a comfortable repayment period that fits your need, which is between 6 to 36 months.

You 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 outstanding 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? 

Can I settle my credit card debts early?

Yes, you can. There is no early settlement fee for this balance transfer plan!

Am I eligible to collect rewards from balance transfer repayment?

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