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 2025 to 31 December 2025, enjoy attractive interest rates ranging from 4.88% p.a. to 6.88% p.a. for its Smart Move Balance Transfer plan. Be sure to review the full T&Cs for more information!
Refer to the table below for the full breakdown.
| Tenure | Interest Rate | Minimum Transfer |
| 6 months | 4.88% p.a. | RM1,000
*Maximum amount should be 80% of the available credit limit |
| 12 months | 4.88% p.a. | RM1,000
*Maximum amount should be 80% of the available credit limit |
| 24 months | 5.88% p.a. | RM1,000
*Maximum amount should be 80% of the available credit limit |
| 36 months | 6.88% p.a. | RM1,000
*Maximum amount should be 80% of the available credit limit |
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.
