Whoa... >100k 
Another simpler way to calculate your gains is just based on your FD interest, assuming:
- you put the total BT amount into FD
- all BT done are 0% and no charge incur
Hence, you just reap the FD interest every month. If need be, add in the reward points redemption value.

With the rough simple calculation I posted earlier. Assuming maintaining accumulated BT amount and FD interest of 3%p.a.
BT 40k ==> FD interest of RM100/mth.
BT 100k ==> FD interest of RM250/mth.

Caution: serious attention/timing needed in handling this procedure.
Disclaimer: calculation above are for reference only.

cash advance from CC is another animal lo, i believe what we do here is

1. swipe x amount
2. we have x amount in cash, put in FD
3. BT x amount to another bank and pay in installment with 0 interest.

Problem is are you discipline enough to save the X amount, most people would just continue to use for other stuff as it appear as extra cash on hand.

Your direct access or rhb ready for BT is always 0%-6mth BT?

Thanks.. Very good planning of you to fall your BT on March; as I think normally bank BT-0% promo normally falls on the early quarter of the year.. Too bad..most of my insurance normally falling at End of the yr..

wat is DA?   is it also not other charges like the RHB?

actually how the bank can earn if they offer 0%?

and first to introduce 2% rebate for all petrol stations. 

Hi all , if i have an outstanding of 18k cc debts and the card is not active for months, can i still apply for BT?
Thanks 😥

Thanks for some of the information.
Anyway, anyone knows how do banks define bad payment record?
what if I repay slightly more than the minimum every month?

This is why i suggest him to do EPP (Easy payment plan) if he can't do BT. EPP at least can stop further finance charge, fixed repayment amount and shorter the repayment tenure.

With EPP plan. convert to 24month EPP.

PB 4.9k/5k  22% upfront interest = Rm1078
HL 4.9k/5k   26% upfront interest = Rm1274
CIMB 9.8k/10k  27%  upfront interest = Rm2646
HSBC 20k/21k  27%  upfront interest = Rm5400

Since all your card is out of credit limit, the upfront interest you will need to settle by cash in order to convert to EPP. (upfront interest can be add into CC if there is enough limit)

If let say you afford to pay the upfront interest, thereafter installment will be
Rm4900 + Rm4900 + Rm9800 + Rm20,000 = Rm39,600 / 24 mth = Rm1650 per month.

So you just need to pay Rm1650 for 24month and your debt will be cleared.

If can't afford to come out too much upfront, you can just do it one by one. This will still save up a lot compare with just paying the min amount of 5%.

There are pros and cons for both way.

With EPP, you can fix the repayment amount for 24mth and if really have some hard time, the min payment is 5% of Rm1650.

Without EPP, your min amount will be 5% of total balance. If you have hard time and just keep on pay 5% min every month, the repayment tenure and interest will drag you further more.

So it's depend on personal financial planning and the  repayment attitude.

There are pros and cons for both way.

With EPP, you can fix the repayment amount for 24mth and if really have some hard time, the min payment is 5% of Rm1650.

Without EPP, your min amount will be 5% of total balance. If you have hard time and just keep on pay 5% min every month, the repayment tenure and interest will drag you further more.

So it's depend on personal financial planning and the  repayment attitude.