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Balance Transfer Calculator

Compare the total cost of keeping your current credit card balance versus accepting a balance transfer offer. See exactly how much interest you would save.

Your current card

Malaysian credit cards typically charge 15% to 18% p.a.

Balance transfer offer

Many BT offers are 0% for the promotional period.

Some banks charge 1%-3% upfront. Check the fine print.

Keep current card
Take BT offer
Total interest paid
RM 475.33
RM 0.00
Processing fee
RM 0.00
RM 0.00
Total cost (interest + fees)
RM 475.33
RM 0.00
Total amount paid
RM 10,475.33
RM 10,000.00
Months to clear
6 months
6 months
You save RM 475.33

The balance transfer saves you RM 475.33 in total interest and fees compared to keeping your current card.

Things to watch out for
  • Balance transfer offers typically revert to the full APR after the promotional period. Make sure you can clear the balance within the BT tenure.
  • Any new purchases on a BT card usually attract the full interest rate immediately — the promotional rate only applies to the transferred balance.
  • Late payments during the BT period may void the promotional rate entirely, reverting your entire balance to the standard APR.
CCRIS impact

A balance transfer application creates a new credit inquiry on your CCRIS report. If you are planning a major loan application (home loan, car loan), consider the timing — too many inquiries in a short period can reduce your approval chances. Learn more about CCRIS

This calculator provides estimates based on the inputs you provide. Actual interest calculations may vary depending on the bank, billing cycle, and compounding method. The current card calculation assumes monthly compounding with fixed payments. Always read the full terms and conditions of any balance transfer offer before applying.