Automatic Balance Conversion

Personal

Business

Automatic Balance Conversion programme is by invitation only

This programme automatically converts eligible cardholders’ credit card outstanding balances to monthly instalments.

Lower interest rate

Effective Interest Rate (EIR) at 13% per annum compared to 15% to 18% per annum on your credit card outstanding balances.
Zero fee

No processing and termination fee when you settle the instalment plan early.
Hassle-free

Automatically converts your outstanding credit card balances every 12 months at a lower interest rate for eligible cardholders.
Flexibility

You can choose to opt out from future conversions.

Eligible cardholders will be automatically enrolled for the programme.

Your outstanding credit card balances will be converted to 36 monthly instalments.

Minimum convertible amount is RM1,000 only.

Click here for Product Disclosure Sheet (PDS) for Automatic Balance Conversion

Click here for Fees and Charges

Click here for Client Terms and Product Terms for Credit Card