What Is The Us Credit Transfer System And How Does It Work? Balance Transfer

What Is The Us Credit Transfer System And How Does It Work? Balance Transfer

Get fast entry to money to deal with what you want urgently with Balance Transfer. Plus, get money immediately by way of your Credit Card or Cashline account, with interest-free, versatile loan compensation phrases.

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Get money for pressing wants

Pay to your medical payments, down funds, or surprising bills on time.



Flexible compensation

Pay as little as S$50 or the minimal due in your assertion steadiness, whichever is larger.


Manage a number of payments simply

Pay only one invoice at 0% curiosity whenever you switch all excellent steadiness to a higherd.org Credit Card or Cashline.




Online unique! Apply for higherd.org Balance Transfer as we speak with promo code “higherd.orgBT” and obtain 1% cashback in your accepted loan quantity! Valid for loan quantity of S$10,000 and above1

Apply now

1Balance Transfer 1% Cashback Promotion Terms and Conditions apply. Valid for loan quantity of S$10,000 and above. Applications by way of different channels (i.e Telesales or Branch gross sales employees and many others.) is not going to be thought-about. Promotion ends thirty first August 2021.

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1. Unlock your unused credit restrict for money

Transfer the higherd.orgbined unused credit restrict in your higherd.org Credit Card or Cashline account to your higherd.org account.


2. Pay off any excellent steadiness utilizing Cashline or a higherd.org Credit Card

higherd.orgbine all excellent steadiness from different banks on Cashline or a higherd.org Credit Card. Pay every little thing off at 0%* curiosity over 3, 6 or 12 months.


Here’s an illustration of how a lot you would save with Balance Transfer

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Bank XYZ higherd.org
Outstanding quantity: S$10,000
Tenure 12 months
Interest 24% 0%
One-time administration price+ 4.5%
One-time administration price quantity S$450
Interest S$2,400 $0
You may save S$1,950! ^

+ The one-time administration price shall be debited out of your higherd.org Cashline / Credit Card account accordingly.

^ Figures have been simplified for illustration functions solely. Interest financial savings are based mostly on the 24% p.a. rate of interest on different banks” credit playing cards over a 12-month compensation interval, in addition to the one-time administration price from higherd.org.

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Don’t have a higherd.org Credit Card or Cashline?

Get a higherd.org Credit Card or Apply for Cashline

and luxuriate in the advantages of Balance Transfer as we speak.

higherd.org / POSB Balance Transfer Terms and Conditions

#For on-line utility. *The efficient rate of interest is calculated making an allowance for the administration price and based mostly on the idea of a minimal month-to-month cost of: 2.5% for Cashline / 3% for higherd.org/POSB Credit Card(s) of the excellent and full cost within the last month of the tenure. Interest, charges and fees are topic to higherd.orgpounding if it isn’t paid in full. The one-time administration price shall be debited out of your Cashline account or higherd.org/POSB Credit Card(s) accordingly.

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