Balance Transfer with flexible repayments

Balance Transfer with flexible repayments

Interested in transferring your balances from other bank's credit cards to Citi credit card to enjoy lower interest rates? You may now transfer your balances and convert them into monthly instalments for better financial management!

For existing Balance Transfer customers

  • Flexible monthly repayments with a minimum 5% monthly repayment of total outstanding balances.
  • Effective interest rate of 8.99% p.a. for 12 months (equivalent to monthly interest rate of 0.749%).
  • Better financial management by consolidating all your credit card balances to Citi credit card.

Here's an example of how much you can save:

Outstanding Balances Normal Finance Charge 18% p.a. for 12 months* Balance Transfer at 8.99% p.a. for 12 months**
You Pay You SAVE
RM 4,000 RM 594 RM 286 RM 308
RM 8,000 RM 1,188 RM 572 RM 616

Important notes:

* Accumulated amount of interest charges incurred in a total of 12 months based on 18%p.a. with a 5% monthly payment on due date.

** Accumulated amount of interest charges incurred in a total of 12 months based on 8.99% p.a. for 12 months.

Other terms and conditions apply.

  • Citibank Online Convenient, secure and efficient banking at your fingertips!

Terms & Conditions and Product Disclosure Sheet

Click here to view Citi Balance Transfer Terms and Conditions.
Click here for Citi Balance Transfer Product Disclosure Sheet.

Looking for an additional card? You can compare credit cards to find a card that best suits your needs and rewards your lifestyle. Apply for credit card from a wide range of selection at Citibank Malaysia.