If you're juggling multiple credit card payments or simply want to save on interest, balance transfers (BT) are your secret weapon. Two of Malaysia’s leading banks—Public Bank and Maybank—are offering irresistible 0% BT promotions that can help you breathe easier financially. Here's how to make the most of them.
🏦 Public Bank (PBBank) – 6 Months 0% Balance Transfer
Promotion Highlights:
Interest Rate: 0% for 6 months
Minimum Transfer Amount: RM1,000
Upfront Fee: Waived
Expiry Date: 31 December 2025
Why It’s Great: This short-term BT plan is perfect if you’re confident you can pay off your transferred balance within half a year. With no upfront fee and zero interest, it’s a clean slate to tackle your debt aggressively.
How to Apply:
Ensure your PBBank credit card has sufficient available credit.
Submit your BT request via PBBank’s online banking or branch.
Monitor your monthly statements to stay on track.
🏦 Maybank (MBB) – 12 Months 0% Balance Transfer
Promotion Highlights:
Interest Rate: 0% for 12 months
Minimum Transfer Amount: RM1,000
Maximum Transfer Amount: RM50,000 (up to 90% of your available credit limit)
Upfront Fee: Waived during campaign
Campaign Period: 23 June 2025 – 31 March 2026
Why It’s Great: This longer-term BT plan is ideal for those who need more breathing room. You get a full year to pay off your balance with no interest and no upfront fee—making it one of the most generous BT offers in the market.
How to Apply:
Apply before your credit card’s statement date to ensure smooth processing.
Use the MAE app or Maybank2u portal to submit your BT request.
Set up automatic payments to avoid missing monthly installments.
🧠 Pro Tips for Using BT Wisely
Don’t overspend: A BT is not a license to rack up more debt. Use it to consolidate and pay down existing balances.
Track your timeline: Set reminders for when your BT period ends to avoid surprise interest charges.
Pay on time: Missing payments can void your 0% rate and trigger penalties.
⏳ Final Thoughts
Balance transfers are a smart way to manage debt—if used strategically. Whether you choose PBBank’s 6-month sprint or Maybank’s 12-month marathon, both offers give you a chance to reset your finances without the burden of interest. Just remember: these promotions won’t last forever. Apply before the expiry dates and start your journey toward financial freedom.
" Since I have both PBBank and Maybank credit cards, I’ll be transferring between them to take advantage of the 0% interest offers—6 months with PBBank or 12 months with Maybank."