You should also note that this card’s 3 Year Introductory Offer at Prime Rate provides a longer window for paying off a balance, but the trade-off is that you would pay 3.25% variable APR rather than 0% APR during the introductory period. There will be RM 10.00 for late payment fee per card. For example, if the outstanding credit card balance on your existing credit card is Rs.75,000 and your new credit card has a credit limit of Rs.50,000 then only Rs.50,000 can be used for transferring balance. By taking advantage of a 0% APR offer on a credit card, you can save money by having all of your payments go … The longer the intro offer lasts, the more time you’ll have to pay down your transferred debt. The card earns 2x ThankYou Points at supermarkets and gas stations on up to $6,000 in combined purchases each year and 1x ThankYou Points on all other purchases. Credit card balance transfer is a very popular and convenient feature of credit cards. To help you find the answer, we’ve used Bankrate’s Credit Card Payoff Calculator to simulate payoff plans with the SunTrust card and one of our top-rated zero APR balance transfer cards, the Citi Diamond Preferred Card. The choice category earns 3 percent cash back on one of the following categories such as travel, gas, dining, online shopping, drug stores or home improvement/furnishings and 2 percent on grocery store/wholesale club purchases each quarter (on the first $2,500 in combined choice category/grocery store/wholesale club purchases). Listed below are some points that significantly affect your decision of availing credit card balance transfer to pay off your existing credit card debt. In this category, our 5-star scoring system pays particular attention to the essential features of a balance transfer credit card, including: Balance transfer cards should ideally have a long 0% APR introductory offer — between 12 and 18 months, if not longer. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. Review for the Alliant Visa® Platinum Credit Card coming soon. The zero balance transfer fee offer is good for the first 60 days after your account opening. The interest rate per annual is 15.00%. Sometimes, it can even … Plus, earn 1X ThankYou® Points on All Other Purchases. With this card, Citi rounds up your rewards to the nearest 10 points — meaning that a $22 fill-up at the gas pump would earn 50 ThankYou Points instead of 44. The 18-month 0% intro APR period (13.99% - 23.99% variable APR after) is among the longest on our list of best balance transfer cards. Which certificate of deposit account is best? In the event the total outstanding including Balance Transfer instalment is not settled, on or before the due date of Union Bank Credit Card of a particular month, the unsettled portion of the instalment will be charged at the prevailing revolving interest rate applicable to the Union Bank Credit Card. On this page, you can check out recommendations for the best balance transfer credit cards available from our partners. With Public Bank Balance Transfer, you have the option to service your credit card outstanding balance from 6, 12, 24 and up to 36 months. Just like SBI the balance transfer facility can be utilised by either calling the bank, sending them an SMS or even by simply sending them an SMS. Keep in mind that multiple transfers can mean multiple transfer fees. The recommended credit score to apply is in the good to excellent range (670-850), but the balance transfer offer and spending and budget management tools through My Money Map could appeal to credit-conscious consumers looking to manage debt. U.S. Bank balance transfer offers U.S. Bank Visa Platinum Card. Read our U.S. Bank Visa® Platinum Card review. The Bank of America® Cash Rewards credit card offers introductory 0% APR for 12 billing cycles on both purchases and balance transfers made in the first 60 days. It also has a unique feature that rounds up your rewards to the nearest 10 points, increasing the rewards value of even the smallest purchase. Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. You can only transfer an amount equal to the credit limit of the new credit card. The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. The potential benefits are significant, just as long as you hold up your end of the bargain. Read our full Bank of America Cash Rewards credit card review. The facility provided by Standard Chartered Bank allows customers to transfer balances of up to Rs. What debts can you transfer to a credit card? The facility for balance transfers of credit cards offered by SBI again follows the same general principle and can be initiated by either logging into the credit card account or sending the bank a specific SMS or even just calling up their customer care facilities. In fact, the average credit limit for a new credit line for an account holder with super-prime credit is $10,069, according to the American Bankers Association’s Credit Card Market Monitor. 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. A Red Ventures company. Read our full BankAmericard credit card review. We'll process your application faster too! Should you get a balance transfer credit card? Credit card rewards shouldn’t be the main motivation behind getting a balance transfer card, but cash back or points can increase a card’s long-term value. The Citi Double Cash Card offers an inventive cash back rewards program on top of a generous 18-month 0% introductory balance transfer offer (13.99% – 23.99% variable APR after the intro period ends). With the U.S Bank Visa® Platinum Credit Card, you'll enjoy simplicity and more buying power. Floor, Menara Affin, Jalan … Public Bank, a complete one-stop financial portal, offering a range of accounts, credit cards, loans, deposits and other financial aids for our personal and commercial customers. Balance Transfer is a credit card installment facility whereby a principal Security Bank Credit Cardholder can request, via an application for the transfer of his/her outstanding credit card balances with other … Citi Flex Plan offers are made available at Citi's discretion. The best balance transfer credit cards will charge a low fee on transferred balances, or even no fee at all. The card doesn't charge penalty APR, which means your interest rate won't automatically rise if you pay your bill late (although we recommend paying on time and in full whenever possible). As with any credit card, applying for a balance transfer card typically leads to a short-term dip in your credit score. You can use the offer to transfer a balance from a high-interest account and potentially save money on APR while paying off the debt. Review for Alliant Visa® Platinum Rewards Credit Card coming soon. The Citi® Diamond Preferred® Card could help you maintain your excellent credit score thanks to a generous introductory balance transfer offer that’s one of the longest available on today’s market. Bankrate.com does not include all companies or all available products. * See the online application for details about terms and conditions for these offers. Experian reports that the average credit card balance reached $5,315 in 2020. Read our full Bank of America Cash Rewards credit card review. Enter your number below. 5 lakhs to their SC credit cards. Public Bank Balance Transfer adalan pelan pindahan baki kad kredit yang ditawarkan oleh Public Bank Berhad. This is to ensure that credit holders do not keep hopping from one credit issuer to another in order to avail lower rates of interest. This card comes from Alliant Credit Union, named Bankrate’s best credit union of 2020. Here’s what paying off a $5,000 balance transfer would look like with each card: *Intro offer on balances transferred during the first 60 days from account opening. CardSmart: Which offer is better, longer low APR or shorter zero APR? While you still may have credit left after transfer of previous credit card balance, it is always a good strategy to refrain from using your credit card until all balance transfer payments are paid and all subsequent charges are cleared. These transactions fall under standard interest rates offered by the credit card issuer. It isn’t a good idea to keep transferring your credit card balance. The best offers with the longest 0% APR terms tend to go to people who have good or excellent credit. If you’re committed to paying off a transferred balance in a year or less, this card might be worth a look. Zero-interest offers for balance transfers lasting 20 months or more aren’t as common as they used to be, but the U.S. Bank Visa Platinum Card is currently a rare exception. Generally, the interest charged to avail credit card balance transfer facility is less than what is charged by banks on credit card pending bills. financial product. Grouping multiple debts into one new credit account is a type of. ; Regular APR: Variable 15.49% to 25.49% based on your credit.For more information, see U.S. Bank Visa Platinum Card review. The best credit cards for balance transfers share a number of key features. Balance transfer fee of 2% of the amount transferred, $5 minimum. Pelan ini adalah antara pelan pemindahan baki kad kredit yang fleksibel dengan tempoh bayaran dari 6 bulan hingga 36 bulan. All conditions and rates mentioned here are decided by the banks and could change at any time so it would be best to confirm the same with the bank before actually applying for balance transfer. It might be possible to transfer part of a large loan balance to a balance transfer credit card and get some relief from interest charges. Psst... We'll ensure you're the very first to know the moment rates change. Also, some issuers let you transfer multiple debts to one balance transfer card, a form of debt consolidation. The Alliant Visa® Platinum Credit Card offers the opportunity for extra cost-cutting with its low balance transfer fee: $5 or 2% of the amount of each transfer, whichever is greater. One example is the SunTrust Prime Rewards Credit Card and its 3 Year Introductory Offer at Prime Rate. Passive income ideas to help you make money, Best age for Social Security retirement benefits, Alliant Visa® Platinum Rewards Credit Card, Bank of America® Cash Rewards credit card, expert advice on balance transfer credit cards. As the name implies, a balance transfer plan allows you to transfer the outstanding balance from one credit card to another – and repay them in instalments at a low interest rate. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. The following information needs to be furnished while applying for credit card balance transfer. 1.25% for tenures 18 months and 24 months. To find the one that’s best for you and your unique financial situation, consider the following tips: Most credit cards, including cards for balance transfers, list a recommended credit score to apply. The offers that appear on this site are from companies from which Bankrate.com receives compensation. There are forms which various banks furnish to facilitate application of credit card balance transfer facility. As such the number of times you can transfer your balance is a subjective thing which is purely at the discretion of the bank you have in mind. A 3% fee (min $10) applies to all balance transfers, No penalty APR. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. Select the Bank you want to “Transfer To” and enter the account number. Kad kredit Public Bank Petron Visa Gold juga menawarkan pelan pindahan baki (Balance Transfer Plan) dan pelan bayaran ansuran mudah (Easy Payment Plan). An excellent credit score is recommended to apply for the card, but using the balance transfer offer to pay down debt from another account could help you protect that status. Does the card have features that make it worth keeping after you’ve used the balance transfer offer to pay off debt? During that time, you have the chance to pay off the principal without having to pay interest. Balance transfers must be completed within 4 months of account opening. Privacy Policy. Read our Citi® Diamond Preferred® Card review. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. We don't spam or sell your details to annoying people. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. The temporary break from interest on your transferred balance could translate to a smaller monthly payment than what you’re currently making. As you shop around for balance transfer credit cards, you might find that not all cards provide an introductory offer of 12-20 months at zero interest. Cards available from our partners could help you avoid APR on a transferred balance well into 2021 or even 2022. You might experience a temporary dip in your credit score after you complete a balance transfer. So the idea is for you … Your introductory APR on balance transfers could vary from 0% to 5.99% depending on your creditworthiness, with 10.24% – 22.24% variable APR after. The issuer of your balance transfer card will notify you when the transfer is approved, but always check your other account(s) to make sure the old balance has been zeroed out. Thereafter, the APR may vary and as of 12/08/20 the undiscounted variable APR for Purchases and Balance Transfers is 13.99% – 23.99% … Most balance transfer cards recommend credit scores ranging from good to excellent. Plus, the 0% introductory APR offer for 12 billing cycles on purchases and balance transfers made within 60 days (13.99%-23.99% variable APR thereafter) can provide a temporary break from interest charges. A balance transfer card can help you pay off debt by transferring your existing balance to a new credit card with a 0% intro APR period. Questions and answers about balance transfer credit cards, More information on balance transfer credit cards, Bank of America® Cash Rewards credit card review, temporary dip in your credit score after you complete a balance transfer, How to do a balance transfer in 5 easy steps, How a balance transfer affects your credit score, How to do a balance transfer with Bank of America, get a balance transfer card with bad credit, Privacy policy / California privacy policy, 12 months (0% – 5.99% based on creditworthiness), 0% Intro APR for 12 billing cycles for any balance transfers made in the first 60 days, 0% Intro APR for 12 billing cycles for balance transfers made in the first 60 days, Best for longest 0% balance transfer offer, 12 months (on transfers made in first 60 days), 12 billing cycles (on transfers made in first 60 days), 20 billing cycles (13.99% – 23.99% variable after)*, 18 months (14.74% – 24.74% variable after), 18 months (13.99% – 23.99% variable after), 18 months on qualifying transfers (16.49% – 24.49% variable after), 15 months (13.49% – 23.49% variable after), 15 months on qualifying transfers (14.49%-24.99% variable after), 12 billing cycles on transfers made in first 60 days (13.99%-23.99% variable after), 12 billing cycles on transfers made in first 60 days (12.99%-22.99% variable after). After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. There are many banks that offer credit cards that have balance transfer facilities available on them. You’ll need to give the issuer the account numbers of the card or loan accounts you want to transfer balances from. © 2021 Bankrate, LLC. Uh-oh! Used correctly, balance transfer cards with introductory zero-interest offers can help you: However, transferring balances may or may not be the right move depending on your circumstances. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Request received - loud & clear!Returning you to where you were... (You can save searches, track your apps & save plenty of time!). 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. You don’t have to be an expert in personal finance to understand the balance transfer process. There is an interest charged on the amount that is transferred and is payable along with the amount transferred. He was previously an award-winning newspaper journalist in his native North Carolina. If you have an excellent credit score, consider asking to have the fee lowered or waived. Complete the application form (Reducing Balance and/or Fixed Pay), attach photocopy of your other bank credit card/charge card statement and send via mail to: UOB Card Centre, P.O Box 10253, 50708 Kuala … A balance transfer involves moving debt from one credit account to a different account, typically by using a balance transfer credit card that has a lower interest rate than the original account. However, most issuers will not let you transfer a balance from an existing account with that same issuer. So, if your second credit card has a limit of Rs.50,000 and your pending dues from previous credit card are Rs.75,000, then only Rs.50,000 can be transferred to the new credit card under the balance transfer scheme. This card does not have cash back.The balance transfer … Lower interest rates when you transfer over your credit card balance from other banks. Debt can cause a major disruption in your personal finances, affecting not only your current situation but also future credit opportunities. Still, don’t forget that you’ll probably have to pay a fee for each transfer, so multiple transfers will raise your total cost accordingly. With a good or excellent FICO Score (between 670 and 850), qualifying for a top-rated balance transfer credit card is generally easier. The good news is that you have the ability to calm things down with the help of a balance transfer credit card. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. Let us look at some of the most striking benefits of credit card balance transfer. The BankAmericard® credit card has one of the shorter offers among our list of best balance transfer credit cards, but other features could make it an attractive option. Customers can also make a payment of a minimum of 5% of the transferred amount each month and the facility can be availed by sending the bank an SMS indicating you wish to avail a balance transfer. The repayment periods can be 2 months or 6 months however, an interest of 1.7% per month is charged only if the tenure is 6 months. A balance transfer fee compensates a lender — in this case, the credit card issuer — for taking on the risk of issuing what amounts to a temporary interest-free loan. Most issuers will have a process online or in their mobile app that allows you to make balance transfer requests. Credit card balance transfer is a quick and almost hassle-free process. A balance transfer card can be a powerful tool in your debt-busting arsenal. Having a balance transfer fee lower than the industry standard helps this card stand apart from competitors despite a relatively short 12-month intro APR offer. These are all factors that make up your credit score. The information about the Citi Simplicity® Card, Wells Fargo Platinum card, Wells Fargo Cash Wise Visa®, U.S. Bank Visa® Platinum Card and SunTrust Prime Rewards Credit Card has been collected independently by Bankrate.com. Santa Claus comes around just once a year. Here is a table that depicts and compares the credit card balance transfer features offered the topmost credit card issuers in India. Get latest promotions and freebies from Public Bank Do a balance transfer with 0.0 p.a to your account for more cash in hand! Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. You’ll find essential details in the card’s terms and conditions, including the balance transfer fee, penalties for late payments and how much time you’ll have to transfer the balance to qualify for the introductory offer. When you do go in for a balance transfer, you will need to keep a few things in mind. The second-best option would be a low-interest intro offer. This card’s introductory balance transfer offer (18 months at 0% APR on qualifying transfers, then 16.49% – 24.49% variable based on creditworthiness) is among the longest available from our partners. Look for confirmation. Pending charges made before you initiated the transfer will still show up. The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Read our full Citi Rewards+ Card review. Also, the larger the balance, the harder it will be to pay it all off within an intro offer period. You’ll earn 1 percent cash back on every purchase and another 1 percent (2 percent total) when you pay for those purchases. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Bankrate.com is an independent, advertising-supported publisher and comparison service. Citi Flex Plan offers are made available at Citi's discretion. Bankrate.com is an independent, advertising-supported comparison service. Even Kotak Mahindra bank offers balance transfer facilities. Citi Flex Plan offers are made available at Citi's discretion. You’ll also enjoy the benefits of no late fees, no annual fees and no penalty APR. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. Each quarter you'll earn 3% on the first $2,500 in combined purchases with your choice category and the grocery store/wholesale club category, which earns 2%. Balance transfer is generally offered to customers who have been a credit card user for one particular company for at least a year. The time taken usually is a few days and varies from bank to bank. If you have an existing credit card with balance being charged a high rate of interest then it is advisable to go for credit card balance transfer to save up on interest payment. ; 0% promotional period: 18 billing cycles. **On transfers completed by March 31, 2021. Other account pricing and terms apply, Access your FICO® Score for free within Online Banking or your Mobile Banking app, As low as 0% introductory rate for 12 months on purchases and balance transfers (After the introductory period, a low standard variable rate applies ranging from 10.24%–22.24%. Balance Transfer / Balance Transfer-i. The introductory APR for the balance transfer offer is 0% – 5.99% based on your creditworthiness (with 13.24% – 23.24% variable APR after), so be aware that you’re not guaranteed a zero-interest introductory rate. The best way to use credit card balance transfer is to pay off all your dues within the free or nominal interest rate period. After that the variable APR will … A 3% fee (min $10) applies to all balance transfers, If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase, Contactless Cards - The security of a chip card, with the convenience of a tap. Still, depending on the size of the balance you’re transferring, the savings from avoiding a balance transfer fee could be worth a couple of hundred dollars. Depending on the card and the issuer, you might have the option of transferring a balance from another credit card, a loan or from multiple credit accounts. To go ahead and start comparing offers, skip down to Bankrate’s recap of the best balance transfer credit cards. Fee for balances transferred after the first 60 days is $10 or 3% of the amount of the transfer, whichever is greater. A Balance Transfer fee of 3% of each transfer amount ($5 minimum) will apply. Regular variable APR is the interest rate that you will be charged after the introductory 0% APR period. However, consolidating your debt with a balance transfer credit card and successfully paying off your balance within the intro offer period can significantly reduce your overall credit utilization ratio and prove to lenders that you can be trusted to pay back lines of credit issued to you — both of which can raise your credit score dramatically over time. Public Bank credit cards include a balance transfer facility whereby cardholders are allowed to transfer in full or in part (subject to min. With no rewards program, this card is ideally suited as a debt management tool. The Citi Rewards+® Card proves that you don’t have to be a big spender to enjoy the benefits of a balance transfer card (15 months at 0% APR, 13.49% - 23.49% variable after) that also earns rewards. 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