Cardholder Services

POSB Credit Cards Balance Transfer

Enjoy extra cash starting from 0%* interest!

POSB Credit Cards Balance Transfer

Product Details

  • Interest Savings – Enjoy 0% interest rate for up to 12 months.
  • Flexible repayment - pay from as little as S$50 or 3% of the statement balance, whichever is higher.
  • Financial Control – consolidate all your other credit cards balances into POSB credit card.

Tenure6 months12 months
Applied interest rate (p.a)0%0%
Administration fee3.58%6.38%
Effective interest rate (p.a)*7.61%7.32%


^Savings based on S5,000 withdrawnTotal interest and charges for 12 months
Interest from other bank’s credit cards at 24% p.aS$1200
Interest from DBS Credit Card Balance Transfer at 0%p.aS$0
One time Administration fee at 6.38%S$319
SavingsS$881 (73% Savings)

*The effective interest rate is calculated taking into consideration the administration fee and based on the assumption of a minimum monthly payment of 3% of the outstanding and full payment in the final month of the promotional period. Interest, fees and charges are subject to compounding if it is not paid in full. The one-time administration fee will be debited from your POSB Credit Card account accordingly.

^Figures have been simplified for illustration purpose only. Interest savings is based on a comparison of the interest rate of 24% p.a on other banks’ credit cards over a 12 months repayment period.

^Terms and Conditions apply.

How to Apply

  • Contact me

    Contact now

  • Enjoy 0% interest rate and administration fee of as low as 3.58% (see Rates tab) when you apply online!

    Apply now

POSB Credit Cards Balance Transfer Terms and Conditions

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