Public Bank

Public Bank Balance Transfer

Fancy paying no interest for a Balance Transfer? Apply for Public Bank Balance Transfer and choose 0% interest on a repayment period of 6 months.

Low Interest Plans

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

Public Bank Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 1.5% one-time upfront handling feefrom RM500
6 months0% p.a. and 0% one-time upfront handling feefrom RM6000
12 months0% p.a. and 3% one-time upfront handling feefrom RM1000
24 months0% p.a. and 5% one-time upfront handling feefrom RM3000
36 months0% p.a. and 7% one-time upfront handling feefrom RM6000

Fees & Charges

There are always fees but how much are they?

Minimum monthly payment
RM50 or 5% of outstanding amount
Early Termination Fee

How To Apply for Public Bank Balance Transfer

Stay afloat in the vast ocean of your credit card debts

  1. To apply, download and complete the application form from Public Bank.
  2. Mail your completed form to: Public Bank Berhad, Perkhidmatan Kad PB, Tingkat 10, Menara Public Bank, 146, Jalan Ampang, Peti Surat 11722, 50754 Kuala Lumpur
  3. You can also email your form to or fax to 03-2163-9400.

Frequently Asked Questions about Public Bank Balance Transfer

Things you might want to know

Languishing over high interest rates on your credit card debt? Fret not. Transfer your outstanding credit card balance to any Public Bank credit card and enjoy up to 36-month repayment period starting from ZERO interest with Public bank Balance Transfer! 

How does Public Bank Balance Transfer work?

With Public Bank Balance Transfer, you have the option of choosing between 6, 12, 24 and 36 months as your repayment periods. Unlike some other balance transfer plans out there, Public Bank also offers a one-time upfront interest. 

This means that you only have to pay a one-time interest for your transfer amount, at your first installment. The subsequent months will be interest free!

The maximum transfer amount is up to 80% of the total available approved credit on your credit card.

Is there any chance to get zero interest?

Yes, Public Bank Balance Transfer offers zero interest for 6-month repayment period and minimum transfer amounts of RM6,000. If your transfer amount is below RM6,000, there's a 1.5% one-time upfront interest.

Zero interest sounds good. However, you’ll have to keep your promise and clear the outstanding balance within 6-month to avoid being slapped with regular credit card interest rates.

What if I am not able to pay my monthly payments in full?

In the event that you are unable to make full monthly repayment, you can also make the minimum payment of 5% of your outstanding balance or RM50, whichever is higher.

How about if I make a late repayment?

You'll get penalised for doing this. The charges will be 1% of the total outstanding balance or RM10, whichever is higher. The maximum charges will be capped at RM100.

What if I am unable to settle the total repayment after promised balance transfer period?

The tiered interest rate of 15% p.a. to 18% p.a. will be applicable on overdue balance transfer repayments.

Can I settle the outstanding balance before maturity?

Yes, but you’ll have to pay an early settlement penalty of RM100.

Is this balance transfer plan open to supplementary card holders?

Unfortunately no. Public Bank Balance Transfer is only available for principal credit cardholders.

Hurry up and sign up for this amazing offer, valid until the 31st December 2017.

Read More

Apply online now for Public Bank Balance Transfer

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