Compare Balance Transfer Credit Cards in Malaysia

Here are Malaysia's best balance transfer credit cards! Find lowest and waived interest rates when you transfer balance from your credit card into your savings account. Get 0% balance transfer for 12 Months to help you on your financial needs! Apply now at Loanstreet.

Credit Cards

Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
1.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
8.0%
Annual Fee
RM240
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
4.99% p.a
Cashback
N/A
Annual Fee
RM550
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM240
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM88
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM88
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
1.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM70
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
6.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM95
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM30
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM500
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Interest Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.0% p.a
Cashback
N/A
Annual Fee
RM148
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
0.8%
Annual Fee
Free*
Interest Rate
8.88% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
9.95% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
9.95% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
8.88% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
13.5% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM550
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM1000
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
8.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
8.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM250
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM550
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM550
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM130
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM130
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM60
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM60
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.5%
Annual Fee
RM150
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
6.0%
Annual Fee
RM388
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.2%
Annual Fee
RM333
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.3%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM333
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.1%
Annual Fee
RM150
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.1%
Annual Fee
RM150
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.2%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM75
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM75
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
2.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.1%
Annual Fee
RM150
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.1%
Annual Fee
RM150
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.2%
Annual Fee
RM333
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
0.2%
Annual Fee
RM333
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
10.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM800
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
1.5%
Annual Fee
RM70
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
N/A
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM600
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
1.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
1.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
5.99% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
5.0%
Annual Fee
RM68
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
N/A
Annual Fee
RM90
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
10.0%
Annual Fee
RM600
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM200
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
1.1%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Interest Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
6.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
6.0%
Annual Fee
Free*
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM200
Profit Rate
15.0% p.a
Balance Transfer
0.0% p.a
Cashback
5.0%
Annual Fee
RM70
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
Free*
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM50
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM150
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM300
Profit Rate
12.0% p.a
Balance Transfer
0.0% p.a
Cashback
N/A
Annual Fee
RM500
Interest Rate
15.0% p.a
Balance Transfer
7.77% p.a
Cashback
8.0%
Annual Fee
RM168
Interest Rate
15.0% p.a
Balance Transfer
6.0% p.a
Cashback
N/A
Annual Fee
RM20
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Frequently Asked Questions (FAQ)

A balance transfer credit card is a card which allows you to transfer your debt from an existing credit card to another credit card to save on the interest charged for repayments.

You can call the bank and request for them to help you with the balance transfer. Some banks may require you to fill out a form and send the current statement of the credit card that you wish to transfer from. The bank will either approve the full or partial amount that you have requested to transfer. It would depend on your credit limit which is set differently for every bank.After the bank has approved your request, they will automatically transfer the amount to the balance transfer credit card. This process could take up to 2-3 weeks, depending on the respective bank.

  • Banks will normally provide a lower interest rate to attract customers. So, when they provide lower interest rates, it means it will be beneficial to you as you will be paying a lesser amount in the long run.
  • Besides that, some banks provide a zero-interest period to new customers which may last for a few months to a few years depending on the bank that you choose.
  • You will also be able to keep track of all your debts in one single account. This helps you considerably as you will only need to remember one card provider’s terms and conditions and also the repayment due dates.

There are a few limitations and requirements, such as:

  • a minimum duration which ranges from 3 months to 36 months
  • have different interest rates from 0% p.a up to 10.22% p.a
  • some may not have a one-time upfront handling fee, whereas others can have up to 10.99% one-time upfront handling fee
  • a minimum transfer amount which ranges from RM500 to RM5,000

It’s as simple as filling up an application form and submitting the relevant personal documents. On Loanstreet, just press apply and fill in your details. You will receive a phone call from us within 1 working day in order to check your eligibility, after which we will submit your application to the banks. You will then deal with the banks directly until your application is approved and your credit card is received.

  • Ensure that you have sufficient income to repay your balance and the income declared in the application is solely yours.
  • You could also have a guarantor who has a good credit history to cosign the application, for example, your parents, to be able to get a preferred interest rate.

Employed

  • Latest Month Payslip and/or
  • Latest EA Statement and/or
  • EPF Statement and/or
  • Employment Letter / Employer Confirmation

Self-Employed

  • Latest 1 year Tax Returns / Tax Receipts
  • Latest 6 months company CASA statement (for company directors)

However, do check with your respective bank on what documents you will need, as some banks will require extra documents.

Every card issuer has a different processing time to approve your application. However, it usually takes 7-10 days to receive your card, either by mail or collection at the bank. To make the processing time faster and more efficient, be sure to submit all the relevant documents with the correct details required by the card issuer.

You must contact your respective bank immediately and request to block your card. If you do not report it as soon as possible, you may be liable for the charges made to your card. The hotline services are available 24 hours for this issue. Besides that, you should also report to the police to protect yourself from any unauthorised usage.