At a Glance

Instant2 access to cash at 0%^ interest

Instant2 funds disbursement at 0%^ interest over 3, 6 or 12 months tenure

Flexible repayment

Pay as little as S$50 or the minimum due on your statement balance, whichever is higher.

Manage multiple bills easily

Pay just one bill at 0%^ interest when you transfer all outstanding balance to a DBS Credit Card or Cashline Balance Transfer

Apply online easily

Existing DBS Credit Card / Cashline customer? No documents are required.

Apply now

Enjoy 1% cashback when you apply today. Click here to find out more.


Rates & Fees

Tenure 3 mths 6 mths 12 mths
Applied interest rate (p.a)^ 0% 0% 0%
1.8% 2.5% 4.5%
Effective interest rate (p.a)1 7.34% (Cashline)
(Credit Card)
5.27% (Cashline)
(Credit Card)
5.06% (Cashline)
(Credit Card)

Interest, fees and charges are subject to compounding if it is not paid in full.

^The one-time administration fee will be charged to your Cashline/ Credit account accordingly. The promotional interest rate will expire and cease to apply after the stipulated promotion period indicated in your BT application or upon full repayment of the BT amount (whichever is earlier) and the interest rate will be adjusted to our prevailing interest rate or preferential interest rate, if applicable.

1The effective interest rate is calculated based on the reducing outstanding amount over the tenure of the loan and takes into account the administration fees, assuming a monthly minimum payment of 2.5% (for Cashline) and 3% (for DBS/POSB Credit Card), plus interest, fees and charges and full payment in the final month of the tenure.

Interest, fees and charges are subject to compounding if it is not paid in full.

2Please note that for loans approved after 9pm during month end (eg 31st March), the funds will only be credited on the following day. If the following day falls on a Sunday or Public Holiday, the crediting will be on the next working day (eg Mon to Sat).

DBS/POSB Balance Transfer Terms and Conditions (WEF 1 September 2023)

List of Fees and Charges

Important Notes:

  1. A DBS/POSB deposit account (excluding Joint All, Trust, MSA, SAYE and POSB current accounts) is required for loan disbursement.
  2. There shall not be any excess in credit (credit balance) or Giro arrangement in your Credit Card or Cashline account for Balance Transfer application.

How does DBS Balance Transfer Work?

Two ways to relax your finances with DBS Balance Transfer

1. Dive into unused credit limit for cash

Cash out unused credit limit on your DBS/POSB Credit Card or Cashline to DBS Saving account

How DBS Balance Transfer works - Step 1 Dive into unused credit limit for cash

2. Pool outstanding balances, save on interest

Use the funds from Balance Transfer to pay off your outstanding bill with other bank(s)

How DBS Balance Transfer works - Step 2 Pool outstanding balances, save on interest

Here’s an illustration of how much you could save with Balance Transfer

  Bank XYZ DBS
Outstanding amount: S$10,000
Tenure 12 months
Interest 24% 0%
One-time administration fee^ - 4.5%
One-time administration fee amount - S$450
Interest S$2,400 $0
You could save S$1,950! 

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 12-month repayment period.



Online exclusive! Apply for POSB Balance Transfer

Apply for DBS Balance Transfer today with promo code “DBSBT” and receive 1% cashback on your approved loan amount! Valid for loan amount of S$10,000 and above with a minimum loan tenure of 12 months.3

3Balance Transfer 1% Cashback Promotion Terms and Conditions apply. Promotion ends 30th April 2024. The Cashback will be credited within 120 days from the Balance Transfer application approval date.


Eligibility requirements


21 – 75 years old


Existing DBS Credit Card / Cashline customer

Don't have a DBS Credit Card or Cashline?

Apply for a DBS Credit Card or Cashline to get started.


Apply now

Enjoy the benefits of Balance Transfer today.

Singaporeans & Permanent Residents

Apply now


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