Credit Cards with 0% Interest on Balance Transfer

Credit Cards With 0 Interest on Balance Transfer 

0% balance transfer credit cards help you consolidate your outstanding debts efficiently. The functioning is quite easy — you move your balances from other cards to a specific card and enjoy an interest-free period. If you pay all the outstanding balance within this time, you won’t have to pay any interest. Note that this tenure varies for each bank and card. 

When you repay, you only have to pay the transferred amount without any additional interest. This is a good option if you’re currently overwhelmed with debts from one or more cards. However, keep in mind that despite no interest charges, a few banking institutions may charge a nominal one-time processing fee. Make sure to check these details before finalising your credit card with 0 interest on balance transfer.

Top 0% Interest on Balance Transfer Credit Cards in the UAE

Check out the top cards with 0% interest on balance transfer — 

Key Benefits of Zero Interest Balance Transfer Cards 

Enjoy the following perks with 0 percent transfer credit cards in the UAE — 

Interest-Free Period for Repayment

The most important benefit is the 0% interest rate offered for a set period (usually 6–18 months). This allows you to repay debt without worrying about accumulating interest.

Easy Debt Consolidation

Multiple card balances can be transferred into a single card. This simplifies the repayment process — instead of worrying about multiple due dates and interest rates, you just need to deal with a single card. 

Helps Save Money on High-Interest Debt

Transfer balance from high-interest credit cards to avoid additional finance charges, ultimately reducing the principal amount.

Improves Financial Discipline

With structured repayment and zero interest, you can plan your budget better and focus on clearing debt within the interest-free period.

Flexibility of Tenure

UAE banks offer different tenure options (commonly 3, 6, 12, or 18 months). This flexibility lets you choose a repayment plan that aligns with your financial management.

Boosts Your Credit Score

Timely repayments on balance transfer credit cards can positively impact your credit Score, improving eligibility for future loans or credit facilities.

Points to Consider Before Applying for Zero Interest Balance Transfer Cards

Here’s what you must remember before applying for credit cards offering 0 interest on balance transfer — 

✔️ Check the balance transfer fee to ensure savings are worth it

✔️  Confirm the interest-free tenure (usually 3–18 months) and plan to repay within this period

✔️  Make sure your outstanding balance qualifies for transfer

✔️  Review the card’s credit limit to confirm it can cover your debt

✔️  Always pay at least the minimum due on time to avoid losing the 0% benefit

✔️  Understand the post-tenure interest rate that applies after the promotional period

✔️  Compare other card features such as annual fees, rewards, and cashback benefits

✔️  Avoid making new purchases on the card, as these may attract regular interest charges

✔️ Check the bank’s terms and conditions for hidden charges or penalties

Apply for Credit Cards With 0 Interest on Balance Transfers via Paisabazaar.ae

With Paisabazaar.ae, you can easily find the right card from the comfort of your home! Whether you’re looking for balance transfers, cashback, more rewarding spends, and more, you can get the most suitable one with us in an instant!

The process is straightforward — 

Complete the lead form> Shortlist credit cards with no interest balance transfer interest charges > Compare & Apply!