- To apply, download and complete the application form from Public Bank.
- 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
- You can also email your form to firstname.lastname@example.org or fax to 03-2163-9400.
Low Interest Plans
Transfer your debt now to enjoy special low interest fees each month!
- Public Bank Balance Transfer
Pay Over With Interest Rate At When You Transfer 6 months 0% p.a. and 1% one-time upfront handling fee from RM500 6 months 0% p.a. and 0% one-time upfront handling fee from RM6000 12 months 0% p.a. and 2.5% one-time upfront handling fee from RM1000 24 months 0% p.a. and 5% one-time upfront handling fee from RM3000 36 months 0% p.a. and 7% one-time upfront handling fee from 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
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% 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 till the 30th of June 2017