{
  "id": "standard-chartered-credit-card-funds-transfer-0-interest-2026-11-10",
  "url": "https://spill.sg/p/standard-chartered-credit-card-funds-transfer-0-interest-2026-11-10",
  "brand": "Standard Chartered",
  "title": "Credit Card Funds Transfer: 0% interest, fee from 0.90%",
  "summary": "Standard Chartered cardholders can move part of their credit limit to cash at 0% interest for 3 to 12 months, with a lowered one-time processing fee from 0.90% (EIR from 2.06% p.a.).",
  "deal_type": "other",
  "badge": "0%",
  "price_sgd": null,
  "original_price_sgd": null,
  "start_date": null,
  "end_date": null,
  "time_note": null,
  "conditions": "Principal SC cardholders (not S$500-limit or corporate cards); fee rate by credit profile; 0% only within the approved tenure.",
  "details": [
    {
      "heading": "Credit Card Funds Transfer",
      "lines": [
        "0% p.a. interest for tenures of 3, 6, 9 or 12 months",
        "Lowered one-time processing fee from 0.90% (EIR from 2.06% p.a.)",
        "Cash comes from your available SC credit card limit",
        "New customers without an SC card get a Simply Cash card with a funds transfer of up to 90% of the approved limit"
      ]
    },
    {
      "heading": "Who can apply",
      "lines": [
        "Age 21+; income S$30,000 (Singaporeans and PRs) or S$90,000 with an Employment Pass",
        "Not for supplementary, corporate or S$500-limit cards",
        "SMS LOAN CCFT NAME to 77272 for a call back"
      ]
    },
    {
      "heading": "Good to know",
      "lines": [
        "Processing fee is charged on approval and not refunded",
        "Missing the minimum payment two or more months in a row can end the 0% rate; EIR then 29.9% p.a.",
        "The promotions list still shows the older 'from 1.80% processing fee (EIR from 4.86%)'; the product page shows 0.90%",
        "T&Cs: Credit Card Funds Transfer Programme terms (PDF)"
      ]
    }
  ],
  "promo_url": "https://www.sc.com/sg/borrow/loans/balance-transfer/",
  "booking_url": "https://www.sc.com/sg/borrow/loans/balance-transfer/",
  "pdf_url": "https://www.sc.com/content/dam/sc/sg/en/documents/sg-funds-transfer-programme-product-tnc.pdf",
  "promo_code": null,
  "coupons": [],
  "eligibility": [],
  "category": "finance",
  "status": "undated",
  "all_outlets": false,
  "outlets": [],
  "hours_today": null,
  "posted_at": "2026-11-10T14:56:53.000Z",
  "source_url": "https://www.sc.com/sg/borrow/loans/balance-transfer/",
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  "original_url": "https://www.sc.com/sg/borrow/loans/balance-transfer/",
  "original_type": null,
  "original_text": null,
  "confidence": "high",
  "sponsored": false,
  "verified_by_brand": false,
  "updated_at": "2026-11-10T23:00:00+08:00",
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