Sipeh Misleading Standard Chartered advertisement

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1st glance, I thought it is every month is 10.28%, But after look into their terms and conditions, it is not, only the 6 th month is 10.28% and you also need to buy 1 of their product.

Good thing not cheap, Cheap thing not good apply here.

I am looking for FD higher than 4.5% because my flexi loan is charging me 4.5%. Any reader can share any of this product?