Transfer your debt now to enjoy special low interest fees each month!
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 24 months | 2.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 36 months | 2.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 24 months | 5.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 36 months | 6.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 48 months | 6.99% p.a. and no one-time upfront handling fee | from RM1,000 |
| 60 months | 6.99% p.a. and no one-time upfront handling fee | from RM1,000 |
Stay afloat in the vast ocean of your credit card debts with UOB Balance Transfer Instalment.
To apply for the UOB Balance Transfer Instalment, follow these simple steps:
UOB Card Centre, P.O Box 10253, 50708 Kuala Lumpur.
Plan your budget easily with fixed repayments every month and save on your monthly expenses. With UOB Balance Transfer Instalment you will always know how much you have to repay every month, subject to terms and conditions.
As the name suggests, you make fixed repayments every month with UOB Balance Transfer Instalment. The interest rate is up to 6.99% per annum and all you need to do is choose a tenure of either 24, 36, 48 or 60 months.
For example, if you want to transfer RM5,000 for a 24-month tenure at 6.99% interest, your monthly installment will be approximately RM237.42. The first month's payment may be slightly adjusted to even out repayments over the subsequent months.
| Balance Amount Transferred | Fixed Interest @ 6.99% (Example) | Total Amount | 24 Months Instalment | 1st Month Instalment |
| RM5,000 | RM698 | RM5,698 | RM237.42 (RM5,698 / 24 months) | RM237.50 (approx.) |
Additionally, there’s also an ongoing promotion whereby you can enjoy the benefits of lower interest rates and one-time upfront payments.
Starting from 1 April 2026, UOB has changed how interest is calculated on its Balance Transfer Instalment plan.
The plan now uses a reducing balance method, meaning interest is charged only on your remaining principal each month rather than the full original amount. UOB calculates this using an effective interest rate on a 365-day basis, or 366 days in a leap year.
If you cancel the plan early, interest will be calculated up to the termination date and billed in your next statement cycle.
The minimum transfer amount is RM1,000 while the maximum goes up to 80% of your credit limit, whichever is lower. The credit limit may differ for each credit card.
If you think you can't make the full repayments, UOB allows a ‘second chance’ repayment – the minimum monthly repayment. It is 5% of the outstanding balance or RM50, whichever is higher.
Unfortunately, the answer is yes. You will need to pay the highest possible interest rate at 18% p.a. until your fully settle all your repayments if you don’t make your monthly payments on time.
This is possible if you can fully settle your outstanding balance before the maturity date. The early settlement fee will be RM100.
View the terms and conditions for more details.
