- 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 custsvc@publicbank.com.my 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
- RM100
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
Apply for a Balance Transfer with one of these Public Bank Credit Cards
Get out of debt fast - enjoy 0% interest.
| Credit card image | Credit card name and benefits | Annual Fee | Minimum Annual Income | Apply Online |
|---|---|---|---|---|
 | Public Bank Gold MasterCardPublic Bank Cashback MegaBonus offers you up to 0.2% back in cash for every Ringgit you spend. Low cash loan fees and free travel insurance. |
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 | Public Bank Visa InfiniteAn exclusive credit card from Public Bank with unlimited cash rebate on retail spending, fast airmiles conversions, and free travel insurance. |
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 | Public Bank Gold VisaPublic Bank MegaBonus gives you up to 0.2% back in cash for every Ringgit you spend. Enjoy 24-hour customer service and low cash advance fees. |
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 | Public Bank Platinum MasterCardPlatinum privileges abound - free up to RM1million travel insurance. |
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 | Public Bank Visa PlatinumEnjoy unlimited cashback on retail purchases without any restrictions. |
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 | Mutual Gold Public Bank Visa PlatinumA card only for Mutual Gold and Mutual Gold Elite Members of Public Mutual. Earn 2x cash back when you spend overseas, and free travel insurance. |
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 | Public Bank AIA Visa Gold2% cash rebate on AIA insurance premiums and unlimited MegaBonus of up to 0.5% on all other purchases make this a Gold cashback card. |
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 | Public Bank Classic VisaPublic Bank Classic Visa Cash is a card with no frills and no stress. |
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 | Public Bank Executive MasterCardFree travel insurance and reward points on your shopping! A unique credit card that changes colour to Lavender, Pink, Turquoise, Grey or Green. |
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 | Public Bank MasterCard StandardPublic Bank MasterCard Standard is a card that everyone new to credit cards will need. No frills, no stress and easily maintained. |
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 | Public Bank Visa SignatureEnjoy 6% cashback and earn VIP Points on your retail spending, plus complimentary access to airport lounges, and free travel insurance - No annual fee! |
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 | Public Bank Petron Visa GoldGet this PB credit card to enjoy up to 5% cashback at any Petron service station in Malaysia. Get uncapped 0.5% cashback for all other expenses! |
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 | Public Islamic Bank Visa Gold Credit Card-iUnlimited cashback and high travel insurance coverage with Public Bank! Enjoy fast and convenient payments at the counter with Visa payWave. |
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 | Public Islamic Bank Visa Platinum Credit Card-iGet premium benefits from Visa and Public Bank. Free Plaza Premium Lounge access, unlimited cash rebates, and RM1 million travel coverage! |
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 | Public Islamic Bank MasterCard Platinum Credit Card-iGet free access to Plaza Premium Lounge in Malaysia for principal and supplementary cardholders. |
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 | Public Islamic Bank MasterCard Gold Credit Card-iEnjoy unlimited 0.2% cashback on everything you spend. For peace of mind, charge your full travel fare to enjoy RM500,000 travel coverage. |
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 | Public Bank Visa CommercialGive yourself and your company a controlled line of credit for efficient cash flow management - only for registered public and private companies. |
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 | Public Bank World MasterCard Credit CardEnjoy free access to Plaza Premium Lounges in Malaysia for 5 times a year! |
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 | Public Bank Quantum VisaA Free-for-Life card promises 5% cashback and up to 2 VIP Points when you swipe it at your favorite restaurant, cafe or clothing brands anywhere. |
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 | Public Bank Quantum MasterCardHave no annual fees for life and get more out of your credit card. Spend more to get more rewards, and cashback up to 5%! |
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 | Public Bank Visa BusinessTake charge of your business with the Public Bank Visa Business. Provide your employees with a secure line of credit and concentrate on growing your business. |
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