RHB

RHB Smart Move Balance Transfer

Low rate balance transfer with up to 24 months to repay and consolidate your debt from other credit cards to your new RHB credit card.

Low Interest Plans

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

RHB Smart Move Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
12 months4% p.a. and 0% one-time upfront handling feefrom RM1000
18 months7% p.a. and 0% one-time upfront handling feefrom RM1000
24 months10.99% p.a. and 0% one-time upfront handling feefrom 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 RHB Smart Move Balance Transfer

Stay afloat in the vast ocean of your credit card debts

  1. To apply, you can choose to call RHB Customer Care Centre at 03-9206 8118 and request to apply for the RHB Smart Move Balance Transfer.
  2. Besides that, you can choose to walk in to the nearest RHB brances to speak to their friendly staff on duty to apply for this balance transfer plan. 
  3. If you choose to complete the application form in your own time, you can fax it to 03 2782 8888 or email it to telesales_department@rhbgroup.com along with a copy of the other banks' latest credit card statement.

Frequently Asked Questions about RHB Smart Move Balance Transfer

Things you might want to know

Extend the repayments of your outstanding credit card balance by up to 2 years! With RHB Smart Move Balance Transfer, you get to save money while clearing your remaining credit balance, subject to terms and conditions.

How does RHB Smart Move Balance Transfer work?

RHB Smart Move Balance Transfer offers effective interest rates ranging from 7.30% to 10.22% p.a. for up to 24 months when you transfer existing debts from other banks' credit cards to an RHB credit card. 

The interests applicable on your transferred amount will be charged one off, starting from 4% to 10.99%. You can choose a tenure that meet your repayment capability, whether 12, 18 or 24 months, with a minimum amount you can transfer is RM1,000.

What if I don't make monthly repayments in full?

If you're facing difficulty with keeping track of your monthly budget, you can always choose to make a minimum repayment amount, which is calculated as 5% of your total outstanding balance or RM50, whichever is higher.

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 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 / RAMCI, 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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Apply online now for RHB Smart Move Balance Transfer

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