Balance Transfer Calculator


What is a balance transfer?

A balance transfer is where Heritage will provide a customer credit to pay off an outstanding amount on a non-Heritage credit account.

Why do a balance transfer?

By transferring your debt to a credit card account with lower interest and fees you may be able to pay off your balance sooner.

You could also help reduce the effort and costs associated with paying off a number of credit cards by transferring the debt over to a Heritage credit card account.

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It's a promise.

Heritage has won Mozo's 2018 People's Choice award for Outstanding Customer Satisfaction. Just another way we're putting People first.

Balance Transfer Calculator

Balance Transfer Calculator
Existing Balance $*
Present Interest Rate (% p.a.)*
Transfer Interest Rate (% p.a.)*
Transfer Rate Term (months)*
Your Approx Savings*
This calculator is a guide only. Fees and government taxes and charges may apply to a balance transfer transaction.
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How to use the calculator
How to use the calculator
  1. Enter the amount you would like to transfer from a non-Heritage credit account and the interest rate applicable to that account.
  2. Enter the Interest Rate and Term for the Balance Transfer offer.
  3. Click “calculate” to see how much you could save.

Please note:

This calculator is an estimate of the interest you could save by doing a balance transfer. It is a guide only and not a quote. The estimated savings assumes no transactions will be made on your credit card during the Balance Transfer period entered and does not take into account any repayments, fees or charges.

To find out more about the balance transfer facility, including detailed information on repayment amounts, drop into your local Heritage branch or phone the Queensland based Contact Centre on 13 14 22.

To approved applicants only. Fees and charges apply, Heritage Bank Limited ABN 32 087 652 024 and AFSL and Australian Credit Licence 240984.

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