Submit an online application via OCBC online banking and you may receive promotional interest rates. Or call 03 8317 5000 to apply now.
Low Interest Plans
Transfer your debt now to enjoy special low interest fees each month!
- OCBC Balance Transfer
Pay Over With Interest Rate At When You Transfer 6 months 1.88% p.a. and no one-time upfront handling fee from RM1000 12 months 3.88% 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
- RM50 or 5% of outstanding amount
- Early Termination Fee
- None
How To Apply for OCBC Balance Transfer
Stay afloat in the vast ocean of your credit card debts
Frequently Asked Questions about OCBC Balance Transfer
Things you might want to know
New cardmembers of OCBC will enjoy a low interest rate of 1.88% p.a. on the balance transfer amount, subject to terms and conditions. Transfer your outstanding credit card balances to OCBC credit card now.
How does OCBC Balance Transfer work?
Now with OCBC Balance Transfer, you can transfer your outstanding credit card balances from other banks. You can easily track your monthly repayments with OCBC internet banking.
Gain more freedom and transfer up to 80% of your total available credit line, with 6-month or 12-month repayment period, slashing your credit card interest rate to more than half! The minimum transfer amount is RM1,000.
See table below for the interest rates:
| Interest Rate | Tenure | Eligibility |
| 1.88% p.a. | 6 months | New & existing cardmembers |
| 3.88% p.a. | 12 months | New & existing cardmembers |
How much do I need to pay a month?
You can opt to make monthly repayments in full, which includes interest. Otherwise, you can make the minimum repayment at 5% of the outstanding amount or RM50, whichever is higher.
What if I make the monthly repayment after the due date?
Late payment will result in 1% charges of the outstanding amount or RM10, whichever is higher. But fret not, in case you forget to make your repayments the maximum charges are capped at RM100.
Are there any charges on unpaid monthly repayment?
There are no ‘charges’. However, your interest rate will be reverted to the highest rate of 18% p.a., which defeats the purpose of taking up a low interest balance transfer in the first place!
Can I make an early settlement before maturity?
Yes, you can. One of the best parts of OCBC Balance Transfer is that there is no penalty on early settlement, neither a processing fee.
Apply for a Balance Transfer with one of these OCBC Credit Cards
Get out of debt fast - enjoy 1.88% interest.
| Credit card image | Credit card name and benefits | Annual Fee | Minimum Annual Income | Apply Online |
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 | OCBC MasterCard BlueFeel the steely confidence of the OCBC Mastercard Blue. Uncapped up to 1% cash rebate on all your retail spending and an annual fee that's waived for life. |
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 | OCBC Great Eastern Platinum MasterCardExclusively for Great Eastern policyholders a credit card that allows you to pay for purchases and bills, as well as covers you up to RM100,000 insurance coverage! |
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 | OCBC World MasterCardAll the world's a stage with OCBC. Travel in style with instant access to KLIA Plaza Premium Lounge, free travel insurance, and 24/7 concierge! |
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 | OCBC MasterCard PinkExplore the sweeter side of life with OCBC MasterCard Pink. No annual fee ever and up to 1% unlimited cashback on your retail spending, anytime, anywhere. |
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 | OCBC 365 MasterCardNo-one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fee for the three years. |
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 | OCBC Cashflo MasterCardManage your cash smarter with OCBC Cashflo. Enjoy annual fee waiver for first 3 years and let it converts your shopping expenses into a 0% installment plan. |
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 | OCBC Premier Voyage MasterCardOCBC Premier Voyage is made of Duralumin, strong but a lightweight alloy of aluminum. Enjoy range of personalised concierge services with a luxury touch! |
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