RHB Smart Move Balance Transfer

Enjoy great savings with a 0% interest rate per annum for 12 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

RHB Smart Move Balance Transfer
Best Interest Rate
0% p.a.
Minimum Transfer
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
12 months0% p.a. and  no one-time upfront handling feefrom RM1,000
6 months4.88% p.a. and  no one-time upfront handling feefrom RM1,000
24 months5.88% p.a. and  no one-time upfront handling feefrom RM1,000
36 months6.88% p.a. and  no one-time upfront handling feefrom RM1,000

Fees & Charges

Minimum Monthly Payment
100% of outstanding amount
Early Termination Fee

How to apply

Stay afloat in the vast ocean of your credit card debts with RHB Smart Move Balance Transfer.

To apply, you can choose one of the following ways:

  1. Call the RHB Customer Care Centre and request to apply for the RHB Smart Move Balance Transfer; or
  2. SMS BTCX to 66300 and a RHB Customer Care personnel will help you with the application; or
  3. Download the application form in your own time and email it to [email protected] along with a copy of the other bank's latest credit card statement; or
  4. Visit the nearest RHB branches to speak to their friendly staff on duty to apply for this balance transfer plan. 

More Information

Extend the repayments of your outstanding credit card balance by up to 3 years! With RHB Smart Move Balance Transfer, you get to save money while clearing your remaining credit balance.

How does RHB Smart Move Balance Transfer work?

From 1 January 2024 until 31 December 2024, the RHB Smart Move Balance Transfer offers 0% interest rates per annum for a 12-month tenure. To participate in this promotional rate, the eligible minimum transfer amount is RM1,000 up to RM30,000* subject to the credit limit of your new RHB Credit Card/-i account. Terms and conditions apply.

On the other hand, if you wish to apply for a different tenure, this Balance Transfer plan comes with interest rates ranging from 4.88% to 6.88% per annum when you transfer existing debts from other bank's credit cards to an RHB credit card. You can choose a tenure that meets your repayment capability, whether 6, 24 or 36 months, with a minimum amount you can transfer is RM1,000.

Can I skip my monthly instalments?

You should exercise precaution in meeting your financial obligations as skipping even a month on your monthly instalment will cost you not only a prevailing interest charge of 18% p.a. on your outstanding balance but also a 1% fee (or a maximum of RM100, whichever is higher) for late payment on your balance transfer account.

That's not all, late payment can also reflect poorly on your credit history, as captured in the CCRIS / CTOS, which could potentially affect your loan application.

Are there any fees when I settle my debts early?

Luckily for you, there is no early settlement fee with RHB Smart Move Balance Transfer. So you can always settle your outstanding balance if you find enough cash on hand.

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