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Balance Conversion Plan

Convert your purchases into affordable monthly instalments via HSBC Malaysia mobile banking app.

Enjoy greater financial flexibility with HSBC Balance Conversion Plan

With our Balance Conversion Plan, you can convert your retail purchases into affordable monthly instalments.


  • Financial flexibility (instalment up to 36 months)
  • Instant approval
  • Lower interest rates
  • No early termination fee

How to apply for Balance Conversion?

  1. Transact a minimum of RM500 in a single receipt with your HSBC credit card.
  2. Logon to HSBC Malaysia mobile banking app to convert the transactions.

Watch the video below to learn more.

Alternatively, you can reach out to our contact  center if you would like to convert partial or full outstanding balances.

Frequently Asked Questions

Things you should know

Issued by HSBC Bank Malaysia Berhad Company No. 198401015221 (127776-V).

*The eligible amount for each Balance Conversion Plan ("BCP") is at a minimum of RM500 and a maximum of RM50,000. The Eligible Cardholder shall pay 100% of the BCP monthly instalment which is part of the Minimum Monthly Payment due on or before the payment due date. The interest rate offered is subject to HSBC's approval. The terms used herein are as defined in the HSBC Balance Conversion Plan Terms and Conditions.

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