Features & Benefits

  • Interest Savings – enjoy 0%* interest rate for up to 12 months.
  • Flexible repayment – pay from as little as S$50 or 2.5% of the statement balance, whichever is higher.
  • Financial Control – consolidate all your other credit card balances into a DBS Credit Card.

POSB Balance Transfer

Feel lighter with a 0% interest loan you can get in 3 easy steps – a POSB Balance Transfer.


Eligibility & Fees

Tenure 3 months 6 months 12 months
Applied interest rate (p.a) 0% 0% 0%
Administration fee 1.5%# 3.58% 2.5%# (online exclusive) 6.38%
4.5%# (online exclusive)
Effective interest rate (p.a)* 6.12%# (Cashline)
6.15%# (Credit Card)
7.52% 5.27%# (Cashline)
7.61% 5.34%# (Credit Card)
7.12% 5.06%# (Cashline)
7.32% 5.20%# (Credit Card)

#For online application.
*The effective interest rate is calculated taking into consideration the administration fee and based on the assumption of a minimum monthly payment of: 2.5% for Cashline / 3% for DBS/POSB Credit Card(s) 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 Cashline account or DBS/POSB Credit Card(s) accordingly.


  3 months 6 months 12 months
Interest from other bank's credit cards at 24% p.a S$300 S$600 S$1200
Interest from Cashline or DBS/POSB Credit Card Balance Transfer at 0% p.a S$0 S$0 S$0
One time administration fee+ S$75 (1.50%) S$125 (2.50%) S$225 (4.50%)
Savings^ S$225 (75% Savings) S$475 (79% Savings) S$975 (81% Savings)

+ The one-time administration fee will be debited from your DBS Cashline / Credit Card account accordingly.

^ Figures have been simplified for illustration purposes only. Interest savings are based on the 24% p.a. interest rate on other banks' credit cards over a 6-month and 12-month repayment period, as well as the one-time administration fee from.

DBS / POSB Balance Transfer Terms and Conditions


How to Apply

Apply now For customers with Credit Card and/or Cashline account. No documents are required.

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