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Installment Programs

China Bank Credit Cards Balance Transfer Program

China Bank Credit Cards Balance Transfer Program

Transfer outstanding balances from your other credit cards to your China Bank Bank Credit Card for as low as 1.00% monthly add-on rate.

Don't have a China Bank Credit Card yet? Download and fill-out the Credit Card and Balance Transfer Application Forms and email them to together with the other documentary requirements.

Balance Transfer Program Terms & Conditions:

  1. The Balance Transfer Program is open to New-to-Bank and all existing active Principal China Bank Credit Cardholders in good credit standing*.

  2. The Balance Transfer Program is available for 3, 6, 9, 12, 18, and 24 month terms.

    Terms Monthly Add-On Rate Factor Rate Monthly Effective Rate Annual Effective Rate
    3 1.25% 0.3458333 1.864% 22.362%
    6 1.25% 0.1791667 2.106% 25.275%
    9 1.25% 0.1236111 2.187% 26.243%
    12 1.00% 0.0933333 1.788% 21.456%
    18 1.00% 0.0655556 1.804% 21.643%
    24 1.00% 0.0516667 1.798% 21.576%

  3. A minimum Balance Transfer amount of Php 3,000.00 is required for this program.

  4. To apply, the applicant shall** - 
    1. For New-to-Bank customers, simply fill-out a China Bank Credit Card Application Form and Balance Transfer Application Form. 
    2. For existing China Bank Credit Cardholder, simply call the China Bank Customer Service 24/7 Hotline at +632 888-55-888 or DTF 1800-1888-5888 (PLDT) and request for Balance Transfer. Applicant can also fill-out a Balance Transfer Application Form and send via email to or via fax to (632) 843-3681.

  5. If there is available credit limit, the cardholder may request for 80% of his/her available credit limit for Balance Transfer transactions.

  6. The cardholder shall continue to pay, at least, the minimum amount due and other financial obligations to the other credit card company prior to the approval of the Balance Transfer application.  China Bank shall not be liable for interest, or any over-payment, or for late payment or other finance charge that the cardholder may incur as a result of the disapproval of the Balance Transfer application and of failure or delay by China Bank in making payment before the due date of his/her non-China Bank Credit Card.

  7. Approved Balance Transfer applications shall not earn rewards points.

  8. The Balance Transfer application shall be subject to appropriate evaluation. China Bank shall have the exclusive right to approve or reject the Balance Transfer request.

  9. For New-to-Bank customers, allow China Bank twenty-five (25) calendar days to effect the Balance Transfer request, from the time the completed forms were received by China Bank. For existing China Bank Credit Cardholders, allow China Bank ten (10) business days, from the time the Balance Transfer request was received by China Bank.

  10. China Bank will notify cardholder via SMS once the Balance Transfer application has been approved and payment to the non-China Bank Credit Card has been made. 

  11. The approved Balance Transfer amount shall be posted in equal and successive monthly installments and shall commence on the cardholder's next billing date until the Balance Transfer balance is paid in full. 

  12. Failure to pay any four (4) consecutive minimum amount dues shall constitute default and the remaining unpaid monthly installments, total outstanding balance and all applicable fees and charges shall immediately become due and demandable. 

  13. In case of pre-termination for Balance Transfer by the cardholder, China Bank shall impose a five percent (5%) handling fee based on the remaining unpaid installment amount or P500, whichever is higher.  The unpaid remaining total principal amount plus applicable fees shall be posted back as a regular straight transaction.

  14. Approved Balance Transfer applications can no longer be reversed / cancelled.

  15. The cardholder acknowledges his liability to China Bank for every approved Balance Transfer application and shall form part of the cardholder's obligation to China Bank. 

  16. Officers of China Banking Corporation are disqualified from availing the Balance Transfer Installment facility.

  17. Terms and conditions governing the issuance and use of China Bank Credit Cards are incorporated herein by reference and made integral hereof.

*Good credit standing refers to Cardholders whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those whose China Bank Credit Cards are not reported lost or stolen, and those who have not, otherwise, violated any of the Terms and Conditions governing the Issuance and Use of China Bank Credit Cards.

**For BDO cardholders, their latest BDO Statement of Account is an additional requirement for the China Bank Credit Card Balance Transfer Program.

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