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Balance Transfer Credit Cards

Balance transfer credit cards can help you reduce the rate of interest you normally pay by transferring your credit card debts and repaying them at a lower rate over a set period. Balance transfer charges do vary between card issuers so it does pay to compare. The length of the set term may also effect the rate at different banks.

A low rate balance transfer card can work for you if you have an outstanding balance on your credit card at the regular finance charge rate. By switching banks/issuers and transferring your outstanding credit card balance to their low balance rate credit card you can receive a much lower finance charge on that balance. This will save you on interest repayments and the savings can be quite substantial.

Balance Transfer rates displayed are for the most part add-on interest, meaning the interest you are required to pay is pre-calculated and then set over the specified term.


Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
HSBC Red MasterCard Mastercard 3.50% P1,200
Free first year
P500/3% 0.60%
Add-on Interest
Apply
More Info
Card Type Finance Charge Annual Fee Cash Advance Balance Transfer Apply
Metrobank M Free MasterCard Mastercard 3.50% Free P300/3% 0.79%
Add-on interest
Apply
More Info





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