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HSBC Balance Transfer Instalment FAQ

What is Balance Transfer Instalment (BTI)?

Our Balance Transfer Instalment lets you consolidate and transfer your outstanding balances from one credit card to another. The outstanding balance can then be paid down with fixed monthly instalments.

What's the difference between the HSBC Balance Transfer (BT) and the HSBC Balance Transfer Instalment (BTI)?

The HSBC BT requires you to pay a minimum of 5% of the full BT amount as part of the Minimum Monthly Payment. Finance charges/management fees will then be imposed on the unpaid balance after the expiry of the plan.

The HSBC BTI will be billed as fixed monthly instalments. You are required to pay the monthly instalment in full as part of the minimum monthly payment. Finance charges/management fees will be imposed on any unpaid monthly instalments.

Who is eligible for BTI?

HSBC/HSBC Amanah principal credit card/credit card-i cardholders are eligible for BTI.

What is the minimum amount that you can convert into BTI?

The minimum amount required for a BTI plan is RM1,000.

Is there any early termination fee?

No, there is no early termination fee. However, if you wish to cancel your BTI before its expiry, you can chat with us on the HSBC Mobile Banking app (learn more at or or call our contact center.

For more information on BTI, kindly visit or

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