# Standard Chartered: Credit Card Funds Transfer: 0% interest, fee from 0.90%

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: 0% (Deal)
- When: Ongoing since 10 Nov
- Status on 2026-11-12: undated
- Category: Cards & Banks
- Conditions: Principal SC cardholders (not S$500-limit or corporate cards); fee rate by credit profile; 0% only within the approved tenure.
- Promotion page: https://www.sc.com/sg/borrow/loans/balance-transfer/
- Menu / poster (PDF): https://www.sc.com/content/dam/sc/sg/en/documents/sg-funds-transfer-programme-product-tnc.pdf
- Where: Not stated

## Details

### Credit Card Funds Transfer
- 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

### Who can apply
- 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

### Good to know
- 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)

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/standard-chartered-credit-card-funds-transfer-0-interest-2026-11-10
- Add to calendar: https://spill.sg/p/standard-chartered-credit-card-funds-transfer-0-interest-2026-11-10/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=Standard+Chartered%3A+Credit+Card+Funds+Transfer%3A+0%25+interest%2C+fee+from+0.90%25&dates=20261112%2F20261113&details=Standard+Chartered+cardholders+can+move+part+of+their+credit+limit+to+cash+at+0%25+interest+for+3+to+12+months%2C+with+a+lowered+one-time+processing+fee+from+0.90%25+%28EIR+from+2.06%25+p.a.%29.%0ANo+end+date%0APrincipal+SC+cardholders+%28not+S%24500-limit+or+corporate+cards%29%3B+fee+rate+by+credit+profile%3B+0%25+only+within+the+approved+tenure.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fstandard-chartered-credit-card-funds-transfer-0-interest-2026-11-10&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=Standard+Chartered%3A+Credit+Card+Funds+Transfer%3A+0%25+interest%2C+fee+from+0.90%25&body=Standard+Chartered+cardholders+can+move+part+of+their+credit+limit+to+cash+at+0%25+interest+for+3+to+12+months%2C+with+a+lowered+one-time+processing+fee+from+0.90%25+%28EIR+from+2.06%25+p.a.%29.%0ANo+end+date%0APrincipal+SC+cardholders+%28not+S%24500-limit+or+corporate+cards%29%3B+fee+rate+by+credit+profile%3B+0%25+only+within+the+approved+tenure.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fstandard-chartered-credit-card-funds-transfer-0-interest-2026-11-10&location=&startdt=2026-11-12&enddt=2026-11-13&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/standard-chartered-credit-card-funds-transfer-0-interest-2026-11-10?save=1&remind=1

_From Spill. Source: sc.com. Terms can change._