Features & Benefits

  • Interest Savings – enjoy 0%* interest rate for up to 12 months.
  • Flexible repayment – pay from as little as S$50 or 2.5% of the statement balance, whichever is higher.
  • Financial Control – consolidate all your other credit card balances into a DBS Credit Card.


DBS Balance Transfer

Roll along smoothly with DBS Balance Transfer. At 0% interest for 12 months, you’re in control.


Eligibility & Fees

Tenure 6 months 12 months
Applied interest rate (p.a) 0% 0%
Administration fee 3.58% 2.5%# (online exclusive) 6.38%
4.5%# (online exclusive)
Effective interest rate (p.a)* 7.52% 5.27%# (Cashline)
7.61% 5.34%# (Credit Card)
7.12% 5.06%# (Cashline)
7.32% 5.20%# (Credit Card)

#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.


  6 months 12 months
Interest from other bank's credit cards at 24% p.a S$600 S$1200
Interest from Cashline or DBS/POSB Credit Card Balance Transfer at 0% p.a S$0 S$0
One time administration fee+ S$125 (2.50%) S$225 (4.50%)
Savings^ S$475 (79% Savings) S$975 (81% Savings)

+ 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 6-month and 12-month repayment period, as well as the one-time administration fee from DBS.

DBS / POSB Balance Transfer Terms and Conditions

Important Information to Note:

Revision to DBS Balance Transfer Fees and Charges

With effect from 2 December 2019, the late payment charge for Balance Transfer on Cashline will be revised from S$105 to S$120

Revised DBS/POSB Balance Transfer Terms and Conditions (with effect on 02/12/2019)


How to Apply

Apply now For customers with Credit Card and/or Cashline account. No documents are required.
Contact me Need help? Leave your contact details with us and we will contact you.

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