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credit card funds transfer

Flexible financing using your Standard Chartered credit card

Learn why you should consider a Credit Card Funds Transfer to manage your financing need

This article is brought to you by Standard Chartered Bank (Singapore) Limited. All information provided is for informational purposes only.

Click here to apply for the Standard Chartered Unlimited Cashback Credit Card.***

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Credit Card Funds Transfer

Get cash for your immediate needs at 0% interest p.a. (processing fees apply)

Terms and Conditions

    1. A credit card funds transfer application may only be submitted by a Principal cardholder.
    2. The minimum credit card funds transfer amount is S$1,000, and the maximum is 95% of the total available credit limit of the Standard Chartered Credit Card account indicated in the application form (“Credit Card account”) at the time of processing the application.
    3. The promotional interest rate of 0% p.a. (as indicated in the application form) is only applicable to the amount transferred pursuant to the application submitted in respect of this promotion (“Approved Amount”), and is only valid for the tenure indicated in the application form (“Tenure”). Any existing outstanding balances and/or amounts subsequently incurred on the Credit Card account, including instalment payment transactions, will be subject to the prevailing interest rate chargeable for the Credit Card account if these amounts are not paid in full. The promotional interest rate is valid for the Tenure from the date the application is approved and ends on the last day of the Tenure. Thereafter, the prevailing interest rate chargeable for the Credit Card account will apply. The Effective Interest Rate (EIR) is calculated taking into consideration the processing fee and based on the assumption that full repayment is made within six months from the date the application is approved and with minimum monthly payments of 1% of principal plus interest, fees, charges.
    4. Following the approval of the application, a credit card funds transfer account will be set up in the name of the principal cardholder. The one-time non-refundable processing fee on the Approved Amount (as indicated in the application form) will be charged to the credit card funds transfer account upon the approval of the application.
    5. If the principal cardholder and/or his/her supplementary cardholder defaults on any payment in respect of their respective credit card accounts or any other credit facilities with us during the Tenure or for other reason which we deem appropriate at its reasonable discretion, a late payment interest of 28% p.a. will be charged to all accounts. We shall also be entitled to withdraw the Promotional Interest Rate and charge applicable finance charges, and/or late payment charges at such rate as we may determine.
    6. Credit Card Funds Transfer to any Standard Chartered Credit Card, Personal Credit, Home Renovation Loan, Personal Loan, Overdraft and Mortgage accounts is not permitted. Supplementary cardholders, and cardholders holding corporate cards or credit cards with $500 credit limit are not eligible to apply for credit card funds transfer. Credit Card Funds Transfer will not be eligible for any Rewards Points and CashBack.
    7. We reserve the right to (a) decline the application or approve the application with a lower funds transfer amount than the amount applied for without any reason whatsoever, and (b) withdraw, or vary the terms of, this promotion at any time without prior notice. Our decision on all matters relating to this promotion shall be final and binding. These terms apply in addition to our Customer Terms, Credit Card Terms and Credit Card Funds Transfer Programme Product Terms (collectively, “Other Terms”). In the event of any inconsistency between the terms set out herein (“Terms”) and the Other Terms, these Terms shall prevail only to the extent of such inconsistency. Instant approval and instant loan disbursement are subject to the availability of external services and systems including MyInfo and Credit Bureau Singapore.
  • For details, please click here
  • Credit Card Funds Transfer Disbursement Terms and Conditions Standard Chartered Bank (Singapore) Limited (“Standard Chartered” or the “Bank”)’s Credit Card Funds Transfer Disbursement Terms and Conditions is applicable if an applicant makes an application for a Credit Card Funds Transfer (“Application”), successfully submits a completed Application to the Bank and the Bank approves such an Application. The transfer of funds to the applicant’s designated Standard Chartered Current/Cheque & Save Account(s) or non-Standard Chartered Current or Savings Account or non-Standard Chartered Credit Card Account (each account a “Designated Account” and each such transfer of funds a “Funds Disbursement”) is subject to (a) the applicant successfully submitting a completed Application to the Bank; and (b) the Bank approving the Application which must satisfy the Bank’s eligibility criteria, including our credit and risk management policies, as well as prevailing laws and regulations. The Bank reserves the right to reject any Application which does not fulfil our criteria at our discretion. If the Bank is unable to process the Application or the Funds Disbursement due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank is not able to provide Funds Disbursement within the time periods(as stated in clauses 3 to 5 of the full Credit Card Funds Transfer Disbursement terms and conditions), and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith. Click here for full terms and conditions which apply.
  • Click here for the full Standard Chartered Unlimited Cashback Credit Card Terms and Conditions that apply.