Balance Transfer Program



Application Hotline:

(+852) 2419 9812

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Clear credit card balance and easy to consolidate repayment!

Clear all your credit card debts with your determination! Balance Transfer Instalment Loan can let you consolidate your debts into one loan, reduce unnecessary interest payment and clear your credit card debts in one lump sum!

● Smart Tip - Key Facts Statement, Terms and Conditions

Preferential low interest rate

Monthly Flat Rate (APR)1 as low as 0.08% (3.70%)2

High loan amount

Loan amount can be as high as $1,800,000.

Long repayment tenor

Repayment tenor can be as long as 60 months.



Application Hotline :

(+852) 2419 9812


OCBC Wing Hang Credit Limited (“Company”) is the wholly-owned subsidiary of OCBC Wing Hang Bank Limited. The Company is the entity which processes the application of Balance Transfer Instalment Loan and provides related loan services. Customer can submit application through the branches of the Company and OCBC Wing Hang Bank Limited. To enquire the relevant terms and conditions, please contact the staff of the Company.


1. Annualized percentage rate("APR") is a reference rate which includes the basic interest rates and other fees and charges of a product expressed as an annualized rate. APR is calculated according to the method set out in the relevant guidelines under the Code of Banking Practice issued by the Hong Kong Association of Banks as the basis and has been corrected to 2 decimal places.


2. Using a loan amount of HK$100,000 as an example, the monthly flat rate (APR) applicable to loan tenor of 12 months and 24 months are 0.1% (4.17%) and 0.1% (4.34%), and 1% p.a handling fee included. The handling fee is payable upon loan confirmation. The interest is calculated based on 365 days per year. The example is for reference only. APR may differ due to different loan amount and tenor. The privilege is bound by the related terms and conditions. The APR ranged from 4.17% to 48% generally and flexible repayment period of 12 to 60 months, the approval of the final interest rate, loan amount and repayment period is subject to the financial condition of the customer. For details, please contact the staff of the Company.


Customers who are entitled with the offer of Balance Transfer Instalment Loan (the "Offer") and the Promotion are bound by the terms and conditions of this program, related loan application form and loan documents. For the terms and conditions and charges, please contact the staff of the Company. Loan amount, interest rate, monthly repayment amount and repayment tenor applicable to the individual applicant may be different and is based on the final approval status of the Company, please contact the staff of the Company for details and enquiries. The Company reserves the right to amend, extend, terminate or cancel the Promotion and amend the terms and conditions at any time without prior notice. In case of any dispute, the decision of the Company shall be final and conclusive. The Company reserves all the final decision on determining the interest rates, amending the terms and conditions in respect of the Loan, and approving the loan application. Reference will be made to the customer’s credit reports and the Company reserves the right to reject the loan application without specifying any reasons for its decision and interpretation,which shall be final, conclusive and binding on all.

The English version shall prevail if there is any inconsistency between the English and Chinese versions.

Before you make request for early repayment for Instalment loan, please refer to "FAQ" of this website.

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