RHB - Balance Conversion Programme 2025

Find joy in consolidating your outstanding credit card balances into monthly instalment plans (flat rate of 4.88% p.a.*).

Make your finances more manageable with our RHB Balance Conversion Programme. By converting your outstanding credit card balances into affordable monthly instalments, you will not have the hassle of paying multiple bills and worrying about escalating interest rates/management fee. Apply now so you will be able to bring on the smiles and experience many joyful moments.

Campaign Period:
1 January 2025 – 31 December 2025

Why opt for the RHB Balance Conversion Programme.

Instant conversion into instalments upon confirmation

No processing fees for the conversion or termination fees for an early instalment settlement

Flat rate of 4.88% p.a.* for the instalment period

Flexible instalment tenure of 6 / 12 / 18 / 24 / 36 months

Instant conversion
into instalments
upon confirmation

No processing fees for the conversion or termination fees for an early instalment settlement

Flat rate of 4.88% p.a.*
for the instalment period

Flexible instalment
tenure of 6 / 12 /
18 / 24 / 36 months

Balance Conversion Amount :

RM10,000

Interest Rate/Actual Management Fee:

4.88% p.a.*

Tenure:

12 Months

Month Mth	Outstanding Principal (RM)	Monthly Instalment (RM)	Principal Reduction (RM)	Interest/ Actual Management Fee (RM)
1	10,000.00	874.00	799.93	74.07
2	9,200.07	874.00	805.85	68.15
3	8,394.22	874.00	811.82	62.18
4	7,582.40	874.00	817.83	56.17
5	6,764.57	874.00	823.89	50.11
6	5,940.68	874.00	829.99	44.01
7	5,110.68	874.00	836.14	37.86
8	4,274.54	874.00	842.34	31.66
9	3,432.20	874.00	848.58	25.42
10	2,583.63	874.00	854.86	19.14
11	1,728.77	874.00	861.19	12.81
12	867.57	874.00	867.57	6.43
		Total >	10,000.00	488.00

*Flat rate of 4.88% p.a. is equivalent to effective rate of 8.32% p.a. to 9.11% p.a.

Reach out to us today!

Apply now and our team will contact you to convert your balances in no time.

SMS ‘BC1’ to 66223 with the mobile number you have registered with us.

*SMS charges will be imposed as per respective Telco charges.

Kindly fill and submit the form below.