Balance Conversion

Benefits & Privileges

Gain Financial Flexibility Today
Convert your outstanding CIMB Bank/CIMB Islamic Credit Card Balances into an affordable monthly instalment plan of your choice with CIMB Balance Conversion/Balance Conversion-i.
- Hassle-free application.
- Lower interest rates/profit rates.
- Fast approval.
Call us today at 03-6204 7788 (7am to 12am, daily) to apply! (for Balance Conversion only)

How to Sign Up

To apply, you may opt in via SMS request to 62886 according to the preferred tenure, as per instructions below.

For Balance Conversion

Tenure	SMS Instructions
6 months	SMS: CBC6<space>last 4 digits of credit card number
12 months	SMS: CBC12<space>last 4 digits of credit card number
18 months	SMS: CBC18<space>last 4 digits of credit card number
24 months	SMS: CBC24<space>last 4 digits of credit card number
30 months	SMS: CBC30<space>last 4 digits of credit card number
36 months	SMS: CBC36<space>last 4 digits of credit card number

For Balance Conversion-i

Tenure	SMS Instructions
6 months	SMS: SBC6<space>last 4 digits of credit card number
12 months	SMS: SBC12<space>last 4 digits of credit card number
18 months	SMS: SBC18<space>last 4 digits of credit card number
24 months	SMS: SBC24<space>last 4 digits of credit card number
30 months	SMS: SBC30<space>last 4 digits of credit card number
36 months	SMS: SBC36<space>last 4 digits of credit card number

Call us today at 03-6204 7788 (7am to 12am, daily) to apply (for Balance Conversion only)

Payment Table

The below table is for illustration purpose only.

Both tenure and flat interest rate/profit rate offered to cardholder is as per the Bank’s discretion.

*Balance Conversion / Balance Conversion-i at 9.80% p.a.**	Monthly Payments
	6 Months	12 Months	18 Months	24 Months	30 Months	36 Months
RM500	RM87.42	RM45.75	RM31.86	RM24.92	RM20.75	RM17.97
RM1,000	RM174.83	RM91.50	RM63.72	RM49.83	RM41.50	RM35.94
RM3,000	RM524.50	RM274.50	RM191.17	RM149.50	RM124.50	RM107.83
RM5,000	RM874.17	RM457.50	RM318.61	RM249.17	RM207.50	RM179.72

*The payable flat interest rate/profit rate of 9.80% p.a. is equivalent to an effective rate/ effective profit rate (“EIR/EPR”) of 16.61% p.a for 6 months, 17.62% p.a for 12 months, 17.82% p.a for 18 months, 17.81% p.a for 24 months, 17.72% p.a for 30 months, and 17.58% p.a for 36 months respectively.

EIR/EPR is the expression of the equivalent to the flat interest rate/flat profit rate quoted above using compounding/ accumulation and on an annualised interest/profit charges basis.

Terms & Conditions

Balance Conversion

Balance Conversion Terms and Conditions (ENG)

Balance Conversion Terms and Conditions (BM)

Balance Conversion Product Disclosure Sheet (ENG)

Balance Conversion Product Disclosure Sheet (BM)

Balance Conversion-i

Balance Conversion-i Terms and Conditions (ENG)

Balance Conversion-i Terms and Conditions (BM)

Balance Conversion-i Product Disclosure Sheet (ENG)

Balance Conversion-i Product Disclosure Sheet (BM)

Important Notes

CIMB Bank/CIMB Islamic reserves the right to approve the Balance Conversion/Balance Conversion-i at a lower amount or reject the application in its entirety at its absolute discretion.
The minimum Balance Conversion/Balance Conversion-i amount per credit card is RM500 while the maximum amount is subject to your eligible retail balances.
The Balance Conversion/Balance Conversion-i monthly payment will be reflected in your CIMB credit card statement.
Balance Conversion/Balance Conversion-i monthly payments must be paid in full by the credit card due date for each month. A late payment charges / compensation charges is calculated based on the actual cost up to 1% on the unpaid balance arising from retail transactions, cash advance and any programmes/arrangements operated by the Bank, subject to a minimum of RM10 and a maximum of RM100. A finance charge/profit charge of 18% per annum will be imposed on any outstanding amount due and remaining unpaid to the Bank under the Balance Conversion/Balance Conversion-i facility.
No Bonus Points or cash rebates will be awarded under this programme.

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