Balance Conversion | Credit Card Features

Enjoy greater financial flexibility with HSBC Amanah Balance Conversion Plan

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

Benefits

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

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Download and apply via HSBC Malaysia app

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How to apply for Balance Conversion?

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

Watch the video below to learn more.

Video transcript downloaded for video of apply for Balance Conversion. This link will open in a new window

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

Frequently Asked Questions

Balance Conversion Plan (BCP) allows cardholders to convert their retail purchases to monthly instalment plan. You can now apply for BCP via HSBC Malaysia Mobile Banking App too.

BCP is open for HSBC / HSBC Amanah Principal credit cardholders. Primary credit cardholders are eligible to apply for BCP for the retail purchases transacted with their primary and supplementary card(s) transactions under their account.

You can apply for BCP via HSBC Malaysia Mobile Banking App if you satisfy the following eligibility criteria:

For existing-to-bank customers who has a registered HSBC Malaysia Mobile Banking App
Active Primary credit cardholders account with no past due or over limit
Account with eligible transactions between RM500 to RM50,000.
Eligible transactions are defined as retail purchases (local and overseas) including online transaction and bill payment.
Transactions that are not eligible for BCP are cash advance, outstanding balances under instalment plans, any fees (HSBC Amanah)/finance charge (HSBC), and applicable tax, if any.

Read Full FAQ open Frequently Asked Questions PDF. This link will open in a new window

Things you should know

Issued by HSBC Amanah Malaysia Berhad Company No. 200801006421 (807705-X).

^*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 mangement fee offered is subject to HSBC Amanah's approval. The terms used herein are as defined in the HSBC Amanah Balance Conversion Plan Terms and Conditions.

HSBC Amanah Balance Conversion Plan Terms and Conditions (PDF) Download link

HSBC Amanah Balance Conversion Plan