It turns out the $13,500 balance transfer to my day-to-day CC had come from my BankWest CC (I asked for the Balance Xfer when I accepted an increases credit limit for this card), not the new HSBC CC I'd applied for recently. It was just coincidence that the BankWest CC xfer happened at the same time the new HSBC CC arrived in the post. I rang HSBC to activate the new CC today and was told that the $10K balance xfer for this card had been processed on the 27/2 so there should now be an extra $10K credit balance sitting in my NAB day-to-day CC account. I'll withdraw that $10K on Monday and deposit the funds into my Credit Union account so it can be added to my online savings account earning 6.1%.

I'll have a total of $34,500 of 0% balance transfer funds invested at 6.1% once I do the deposit on Monday. $11,000 of this is from the Virgin CC where the 0% period ends on 10 April, so I'll be repaying this amount on 5th April (to make sure it gets processed before the Easter Holiday period).

The new 0% offers are only until August and September this year, so I'll have to keep an eye out for any new offers that arise in the meantime.

Enough Wealth