UOB Fixed-Pay Balance Transfer

With UOB Fixed-Pay Balance Transfer you pay the same installments every month for 6 or 12 months. Manage your mounting credit card debts now!

UOB Fixed-Pay Balance Transfer
Best Interest Rate
3.3% p.a.
Minimum Transfer
RM1,000
Max Duration
12 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
6 months3.3% p.a. and  no one-time upfront handling feefrom RM1,000
12 months6% p.a. and  no one-time upfront handling feefrom RM1,000

Fees & Charges

Minimum Monthly Payment
RM50 or 5% of outstanding amount
Early Termination Fee
RM100

How to apply

Stay afloat in the vast ocean of your credit card debts with UOB Fixed-Pay Balance Transfer.

To apply for UOB Fixed-Pay Balance Transfer plan, follow these simple steps:

  • SMS UOBBT to 66300. An UOB officer will call you within few days; OR
  • Drop a line to 24-hour UOB Call Centre; OR
  • Download the application form, complete it, and attach a copy of your other bank credit or charge card statements, then fax it to 03 2690 0002, or mail to:
UOB Card Centre, P.O Box 10253, 50708 Kuala Lumpur.

More Information

Plan your personal budget easily with fixed repayments every month and save on your monthly expenses. With UOB Fixed-Pay Balance Transfer you will always know how much you have to repay every month, subject to terms and conditions.

What is Fixed-Pay Balance Transfer from UOB?

As the name suggests, you make fixed repayments every month with UOB Fixed-Pay Balance Transfer. All you need to do is choose a tenure of either 6 or 12 months. 

If you are able to settle the repayments within 6 months, you get a lower interest rate of 3.3% p.a. compared to 6% p.a. for a 12-month balance transfer.

For example, if you want to transfer RM5,000 for 12 months tenure, you will pay a monthly flat rate of RM441 at 6%, and only a slightly higher amount of RM449 for the first month to even out your repayments for those subsequent months.

Balance Amount TransferredFixed Interest @6%Total Amount12 months instalment1st Month instalment
RM5,000RM300RM5,300RM441
(RM5,300 / 12 months)
RM449

How much can I transfer to my new UOB credit card?

The minimum transfer amount is RM1,000 while the maximum goes up to 80% of your credit limit. The credit limit may differs for each credit card.

Is there an option for minimum monthly repayments?

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.

Will I need to pay charges for late payments?

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.

Can I terminate my balance transfer programme early?

This is possible if you can fully settle your outstanding balance before the maturity date. The early settlement fee will be RM100.