Card Services & Rewards

DBS Credit Cards Balance Transfer

Enjoy extra cash starting from 0%* interest!

DBS 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 DBS credit card.

Promotional interest rates:

Tenture6 months12 months
Applied interest rate(p.a)0%0%
Administration fee2.50%4.50%
Effective interest rate(p.a)*5.34%5.20%

Interest savings

As compared to interest rates of 24% p.a. on other banks' credit cards, you can save so much more with our promotional interest rates.


For a Balance Transfer amount of S$10,0006 months12 months
Interest ChargesS$0S$0
One-off adminstration feeS$250S$450
Interest from other banks' credit cards at 24% p.a.S$1,200S$2,400
Your Savings (up to)S$950
(79% savings^)
S$1,950
(81% savings^)

Figures are simplified for illustration purposes.

* The Effective Interest Rate (EIR) is calculated based on an approved Balance Transfer amount of S$10,000 with monthly minimum payment of 3% of amount transferred and full payment of the outstanding amount transferred at the end of the tenure. EIR is subject to compounding if the monthly finance charges are not paid in full. A one-off administration fee of 2.5% and 4.5% for loan tenure of 6 and 12 months respectively will be debited from your DBS Credit Cards account accordingly.

^ Interest savings with DBS Credit Cards Balance Transfer (for repayment over 6 months or 12 months) when compared to interest rate of 24% p.a. on other credit cards.

How to Apply

  • Online Application form

    Apply now

  • SMS PROMO<space>BT<space>NRIC to 76060

    And we’ll contact you for a verbal sign up.

By completing the online form or sending an SMS to DBS Bank, you agree to DBS Bank contacting you with regards to the promotion even though you are registered with the DNC registry.

DBS Credit Cards Balance Transfer Terms and Conditions