# HSBC: Balance transfer: 0% interest for 6 months, processing fee from 2.5%

Turn your HSBC credit card limit into cash at 0% interest for 6 months with a processing fee from 2.5% (EIR 5.47% p.a.), per the promotions page.

- Deal: 0% (Deal)
- When: Ongoing since 10 Nov
- Status on 2026-11-13: undated
- Category: Cards & Banks
- Conditions: HSBC credit cardholders; apply in the HSBC Singapore app; latest rates shown in the app.
- Promotion page: https://www.hsbc.com.sg/promotions/#loanpromotions
- Book / order: https://www.hsbc.com.sg/credit-cards/features/balance-transfer/
- Menu / poster (PDF): https://www.hsbc.com.sg/content/dam/hsbc/sg/documents/balance-transfer-terms-and-conditions.pdf
- Where: Not stated

## Details

### Promotions page offer
- 0% interest for 6 months
- Processing fee from 2.5% (EIR 5.47% p.a.)

### Balance Transfer page
- Tenor of 6 or 12 months at the promotional rate; after that the prevailing cash advance rate applies
- One-time processing fee of S$88 if the approved amount is below S$20,000; waived above S$20,000
- Money can go to any current or savings account or a non-HSBC credit card
- Repay as little as S$50 or the minimum payment on your card statement

### Good to know
- The Balance Transfer page sends you to the app for current rates; the 0% / 2.5% figures are from the promotions page
- T&C: Balance Transfer terms and conditions PDF

- Confidence: low
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/hsbc-balance-transfer-0-percent-6-months-2026-11-10
- Add to calendar: https://spill.sg/p/hsbc-balance-transfer-0-percent-6-months-2026-11-10/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=HSBC%3A+Balance+transfer%3A+0%25+interest+for+6+months%2C+processing+fee+from+2.5%25&dates=20261113%2F20261114&details=Turn+your+HSBC+credit+card+limit+into+cash+at+0%25+interest+for+6+months+with+a+processing+fee+from+2.5%25+%28EIR+5.47%25+p.a.%29%2C+per+the+promotions+page.%0ANo+end+date%0AHSBC+credit+cardholders%3B+apply+in+the+HSBC+Singapore+app%3B+latest+rates+shown+in+the+app.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fhsbc-balance-transfer-0-percent-6-months-2026-11-10&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=HSBC%3A+Balance+transfer%3A+0%25+interest+for+6+months%2C+processing+fee+from+2.5%25&body=Turn+your+HSBC+credit+card+limit+into+cash+at+0%25+interest+for+6+months+with+a+processing+fee+from+2.5%25+%28EIR+5.47%25+p.a.%29%2C+per+the+promotions+page.%0ANo+end+date%0AHSBC+credit+cardholders%3B+apply+in+the+HSBC+Singapore+app%3B+latest+rates+shown+in+the+app.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fhsbc-balance-transfer-0-percent-6-months-2026-11-10&location=&startdt=2026-11-13&enddt=2026-11-14&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/hsbc-balance-transfer-0-percent-6-months-2026-11-10?save=1&remind=1

_From Spill. Source: hsbc.com.sg. Terms can change._