Get quick access to cash to handle what you need urgently with Balance Transfer. Plus, get cash instantly via your Credit Card or Cashline account, with interest-free, flexible loan repayment terms.


Features & Benefits

Get cash for urgent needs

Pay for your medical bills, down payments, or unexpected expenses on time.

Enjoy interest savings

Let us ease the repayment load with a 0% interest rate for up to 12 months.

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.

Apply online easily

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

Apply now


1. Unlock your unused credit limit for cash

Transfer the combined unused credit limit on your DBS Credit Card or Cashline account to your DBS account.

2. Pay off any outstanding balance using Cashline or a DBS Credit Card

Combine all outstanding balance from other banks on Cashline or a DBS Credit Card. Pay everything off at 0%* interest over 3, 6 or 12 months.

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! ^

+ 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 12-month repayment period, as well as the one-time administration fee from DBS.

Don’t have a DBS Credit Card or Cashline?

Get a DBS Credit Card or Apply for Cashline

and enjoy the benefits of Balance Transfer today.


Who can apply?

  • Existing DBS Credit/Cashline customer
  • Singaporean Citizen or Singapore Permanent Resident
  • 21 – 65 years old

Rates & Fees

You need a DBS Credit Card or Cashline account.

Should you use the credit balance on Cashline or your DBS Credit Card? Here’s a breakdown of the fees you would need to pay:

  DBS Cashline DBS Credit Card
Tenure 3 mths 6 mths 12 mths 3 mths 6 mths 12 mths
1.5%# 3.58% 2.5%# (online exclusive) 6.38%
4.5%# (online exclusive)
Same as Cashline Same as Cashline Same as Cashline
Effective interest rate (p.a)* 6.12% 7.52% 5.27%# 7.12% 5.06%# 6.15%# 7.61% 5.34%# 7.32% 5.20%#

DBS / POSB Balance Transfer Terms and Conditions

#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.


How to apply

Enjoy the benefits of Balance Transfer today.
Apply for a DBS Credit Card or Cashline to get started. Or,

Apply now

if you’re an existing DBS Cashline/Credit Card user.

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