Enjoy 25% interest for 6 months on transferred balances.

Eligible NCB Cards

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Managing business finances is now easier with the NCB Business Credit Card Balance Transfer.

Take advantage of this fantastic opportunity to save on interest charges and get your business back on track.

With a low-interest rate of 25% for 6 months and the convenience of managing all your business finances in one place, there has never been a better time to transfer your credit card balance.

Take advantage of this offer today!

Who is this programme for?

The NCB Business Credit Card Balance Transfer is available to both new and existing NCB credit card customers.*

Non NCB Business Credit Card Holders

Qualified customers can apply for an NCB Business Credit Card. Once approved, the balance on the external credit card will be transferred to the new NCB Business Credit Card.

Existing NCB Business Credit Card Holders

Qualified customers will be assessed and directed to apply for a limit increase if the existing limit is insufficient to cover the balance transfer.

*Offer only available on NCB JMD business credit cards.

Application Requirements

Apply Now:

New Customer Existing Customer

Frequently Asked Questions

What is NCB Business Credit Card Balance Transfer?

NCB Business Credit Card Balance Transfer allows customers to transfer outstanding balances on Business credit cards at external financial institutions to a new or existing JMD denominated Business Credit Card. The outstanding balance should be repaid in fixed monthly instalments, at an agreed interest rate, over a predetermined repayment period.

Who can benefit from NCB Business Credit Card Balance Transfer?

Qualifying customers with existing balances held at other financial institutions whose accounts are in good standing and existing NCB credit card customers with an NCB Business Elite, NCB Executive Travel Business or an NCB Business Edge credit card.

Is there a minimum and maximum amount for a transaction to be eligible for NCB Business Credit Card Balance Transfer?

Yes. To qualify, cardholders must satisfy the minimum balance transfer amount of J$250,000.

Are there any fees associated with the Balance Transfer Plan?

Yes, there is a fee of J$5,000.

What is the available plan for Business Balance Transfer?

Customers are allowed to repay the balance transfer amount at 25% per annum amortized up to 6 months which is an effective annual rate of 27.75%. Any other balances or purchases on the credit card will attract the regular credit card interest rate.

What transactions are eligible for the Balance Transfer plan?

Outstanding balances on business credit cards from external financial institutions.

How do customers access the NCB Balance Transfer?

New customers may apply for an NCB Business Elite, NCB Executive Travel Business or an NCB Business Edge business credit card. Once contacted by a representative they must advise them that they would like to transfer balance/balances held at other financial institution to the new credit card they are applying for. Existing customers may send us an email at [email protected] or contact their Bank Representative.

Will I see details of the Balance Transfer on my statement?

Yes. Your statement will reflect the transaction amount, fixed monthly instalment payments, interest rate and the number of instalments left to be paid.

If I cannot pay the monthly instalment for the Balance Transfer amount for the month, will I incur penalty charges?

The monthly instalment amount will form a part of your minimum payment which must be paid in full on or before your due date. If at least this amount is not paid by your due date, then you would have forfeited the Balance Transfer arrangement and the transaction would be converted to the regular interest rate on the credit card. A late payment fee will also be applied and the card restricted based on the length of time the amount remains unpaid.

If l am currently carrying a balance on my card, will I still be charged interest on my monthly instalment amount
even if I pay it off in full?

No. Interest will only be calculated on your balance prior to the balance transfer.

Can a supplementary cardholder request a Balance Transfer?

An application/request for Business Credit Card Balance Transfer can only be made by the primary cardholder.

How much of the Business Credit Card Balance Transfer repayment amount will be applied to my available credit limit?

You do not have a separate credit limit for Business Credit Card Balance Transfer thus the entire amount will be deducted from your card's available credit limit. Your available credit limit will be replenished as you pay your total due amount each month.

Do I earn rewards on the Balance Transfer Amount?

No. You will not earn cash back or travel benefits on your Balance Transfer amount.

Can the NCB Business Credit Card Balance Transfer and NCB Flexi Pay Biz Programme run concurrently on one NCB Business Credit Card

No. There can only be one instalment profile on the credit card at any time, as such a customer currently on the Balance Transfer profile will not be able to access a NCB Flexi Pay Biz plan.