BSN Balance Transfer Programme

Transfer your outstanding debts from any other credit cards to BSN. Consolidate your credit card bills with a low interest flexible payment package.

BSN Balance Transfer ProgrammeMin. Transfer RM500
Interest Rate
- to - p.a.

Interest Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountInterest Rate
RM500No maximumNo interest
RM1,000No maximumNo interest
RM1,000No maximumNo interest
RM1,000No maximumNo interest
RM1,000No maximumNo interest
RM2,000No maximumNo interest


What would make it different?

Fees & Charges


More Information

Enjoy ZERO interest rates for up to 1 year by transferring your outstanding credit card balance to BSN Balance Transfer Programme.

How does this BSN balance transfer programme work?

BSN Balance Transfer Programme offers repayment periods of up to 36 months, or a maximum of 3 years. To enjoy the 0% interest rate, you’ll have to take part in the 12 and 24 months balance transfer plans. 

For the 12-month plan, you'll enjoy 0% interest on the first 6 months, and a low 0.30% per month for the final 6 months.

Similarly, for the 24-month plan, the 0% interest is applicable for the first 12 months, with 0.375% interest per month charged for the next 12 months.

What is the minimum transfer amount?

The amount will depend on the repayment period. For a 3-month programme, the minimum transfer amount is RM500. 

You’ll have to transfer a minimum of at least RM1,000 for the 6, 9, 12 and 24 months programmes, and RM2,000 for the 36 months programme. The maximum transfer amount is up to 80% of your available BSN credit limit.

Who can apply for this BSN BT plan?

Both existing and new principal credit card holders are allowed to apply for the BSN Balance Transfer Programme. In other words, if you are a credit card holder with another bank, you can consolidate your outstanding credit card balance and transfer it to your BSN credit card.

Can a supplementary card holder apply for the BSN Balance Transfer Programme?

Yes, if the supplementary card holder has obtained prior consent from the principal card holder. The application form has to be signed by both card holders in this case.

What is the minimum amount for monthly repayment?

Besides full monthly repayments, there's another option of minimum monthly repayment at 5% of the total outstanding amount. 

However, if you choose to repay the minimum amount of 5% or part of the credit card outstanding balance, the remaining balance (including the balance of the Balance Transfer monthly installment amount, if any) is subject to the prevailing credit card interest rates.

What if I terminate my Balance Transfer before the tenure ends?

In the event of early termination of the Balance Transfer plan, the whole balance of the installment amount which includes the outstanding principal and interest will be charged to the Cardholder’s credit card account.