Treat yourself and your loved ones with UOB CashPlus. From a credit limit up to 6X your monthly income to flexible repayment and a low monthly settlement from S$30, we're here to support you at every life stage.
Terms and conditions apply.
SAME DAY APPROVAL
when you apply via MyInfo
LOW DAILY INTEREST RATE
at 0.06%^ with zero processing fee
CONVENIENT ACCESS
to cash online and from ATMs islandwide
^Daily interest rate of 0.06% is calculated based on 365 days at the prevailing interest rate of 20.9% p.a.
Terms & conditions apply.
0% interest for online application
1 July 2022 to 31 December 2022
Here's what you can expect based on a S$10,000 usage:
| 4 Options with UOB CashPlus (Select one) |
Nominal Fee | Interest* payable with UOB CashPlus | Interest* payable with other bank's Credit Card at 28% p.a. | You Save 96% in interest |
| 0% p.a. for 3 months (EIR 2.04% p.a.) |
S$50 | S$0 | S$700 | S$650 |
| 0% p.a. for 6 months (EIR 2.51% p.a.) |
S$120 | S$1,400 | S$1,280 | |
| 0% p.a. for 12 months (EIR 2.21% p.a.) for approved credit limit of up to S$10,000 |
S$200 | S$2,800 | S$2,600 | |
| 0% p.a. for 12 months (EIR 3.30% p.a.) for approved credit limit of above S$10,000 |
S$300 | S$2,800 | S$2,500 |
*Interest is calculated daily by multiplying the daily outstanding balance by the annual rate that is divided by 365 days.
Terms and Conditions:
Promotion is offered exclusively to new UOB CashPlus Account customers who have successfully signed up for UOB CashPlus Account between 1 July 2022 to 31 December 2022 via MyInfo application form. This promotion is only available for online applications.
For full Terms & Conditions, click here.
10% cashback on UOB CashPlus Visa Card
1 July 2022 to 31 December 2022
Don’t have a UOB CashPlus Visa Card? Download a form here.
Terms and Conditions for 10% cashback on UOB CashPlus Visa Card here.
^Previously known as UOB SMART$ Rebate Programme, the new UOB$ Rebate Programme allows you to earn cashback all year round for every UOB Cards transaction made in-stores at participating merchants. Visit www.uob.com.sg/rewardsplus for more information.
Enjoy exclusive loan rates.
UOB CashPlus Personal Loan
• Fixed monthly repayment
• Tenure between 12 to 60 months
• Low interest rate of 3.4% p.a. (EIR 6.22% p.a.)
UOB CashPlus Balance Transfer
• Pay as little as S$30 or 2%, whichever is higher
• 0%^ interest for up to 12 months
^Processing fees apply.
^Previously known as UOB SMART$ Rebate Programme, the new UOB$ Rebate Programme lets you earn cashback all year round for every transaction at participating merchants.
Exclusive UOB CashPlus Visa Card Privileges
Visit www.uob.com.sg/rewardsplus for more information
For application of UOB CashPlus
APPLY NOW
For 0% Prevailing Interest for
3 months
with S$50 nominal fee
or
APPLY NOW
For 0% Prevailing Interest for
6 months
with S$120 nominal fee
or
APPLY NOW
For 0% Prevailing Interest for
12 months
with up to S$300 nominal fee
Apply for a new UOB CashPlus account 24/7 by retrieving your personal information with MyInfo. Applications submitted between 7am to 8pm (for new UOB customers) will be processed instantly. Applications received outside these times will be processed the next working day.
You will receive a SMS notification to inform you of the approval of your UOB CashPlus facility. Your UOB CashPlus Visa Card and chequebook will be mailed to you separately.
| Prevailing interest rate For customers with Annual Income of $30,000 and above |
20.9% per annum (subject to a minimum charge of S$10.00 per month), calculated on a daily basis, from the date of transaction until the outstanding is paid in full (if at least minimum payment is made). |
| Prevailing interest rate For customers with Annual Income of less than $30,000 |
24% per annum (subject to a minimum charge of S$10.00 per month), calculated on a daily basis, from the date of transaction until the outstanding is paid in full (if at least minimum payment is made). |
| Default Interest – No minimum payment is made | If no minimum payment is made by the due date, the default interest rate shall be 29.98% per annum or such rate as may be fixed by the Bank from time to time, calculated on a daily basis, from a day after due date until minimum payments are made in full for four (4) consecutive months on the respective payment due dates in the monthly statement. Thereafter, the interest rate shall revert to the prevailing interest rate. |
| Minimum monthly payment | 2% of current balance or S$30, whichever is higher, plus any overdue amounts. |
| Late payment charges | S$120 if minimum payment is not received by due date. |
| Annual membership fee | S$120 per annum (waived for the 1st year). |
| Over-limit fee | S$50 |
| Fees for foreign currency transactions | For UOB CashPlus Visa Card, all transactions in foreign currencies will be subject to an administrative fee of 3.1%. |
| International processing fee | For UOB CashPlus Visa Card, transactions made in SGD and processed outside Singapore using Visa will be subject to a fee of 1% of the transaction amount. |
| Payment hierarchy | If the outstanding is not paid in full, the payment received is first applied to repaying all outstanding balances or accrued interest with the highest interest rate. |
| Lost / stolen card liability | S$100 (For details, refer to clause 9 of ABS Guide on "What Should Know About Credit Cards" using the following hyperlink https://abs.org.sg/docs/library/abs_creditcards_english.pdf |
Credit limit is subject to approval. Get up to 6x your monthly salary or S$200,000, whichever is lower, if you earn above S$10,000 a month. Or up to 4X your monthly salary if you earn between S$2,500 to S$10,000 a month.
Terms and Conditions Governing UOB CashPlus Visa Card Cashback
Terms and Conditions Governing UOB CashPlus
Terms and Conditions - UOB CashPlus Skip Payment Promotion (Aug-22)
Terms and Conditions - UOB CashPlus S$150 Cash Rebate Promotion
Revision of UOB CashPlus Terms and Conditions/Agreement
With effect from 1 October 2022, Clause 11 (relating to default interest) of the UOB CashPlus Terms and Conditions/Agreement will be revised. Find out more here.
Q1. What are the documents required if I don't wish to apply via online application?
For salaried employees:
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN.
For self-employed applicants:
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN
For commission-based employees:
^Print your Income Tax Notice of Assessment via https://mytax.iras.gov.sg with your Singpass or IRAS PIN
Q2. How much credit will be granted?
A credit line of up to 6x your monthly salary or S$200,000, whichever is lower, if you earn above S$10,000 a month, or up to 4X your monthly salary if you earn between S$2,500 to S$10,000 a month will be granted upon approval of application.
Q3. How do I access my credit line?
Simply access cash via UOB Personal Internet banking, UOB branches, ATMs, UOB CashPlus chequebook, or UOB CashPlus Visa Card.
Credit balances in your UOB CashPlus account will be drawn down first before your credit line is utilised. And upon payment to your UOB CashPlus account, your credit line will be reinstated.
Q4. How may I obtain a permanent increase in my credit limit?
Click here for details.
Q5. How does the UOB ATM Card or UOB CashPlus Visa Card work?
Your UOB ATM Card / UOB CashPlus Visa Card is linked to your UOB CashPlus account. You can withdraw cash at local ATMs and at over 877,000 ATMs worldwide.
Q6. Are there any charges for cash withdrawal using my UOB ATM Card or UOB CashPlus Visa Card?
Cash withdrawal is absolutely free at all UOB ATMS in Singapore, Malaysia, Indonesia and Thailand.
Cash withdrawal is also free at locally shared ATMs with OCBC.
Cash withdrawals from ATMs on the VISA Global ATM Network carry a nominal charge of S$5 per transaction.
Q7. What should I do if I lose my UOB ATM Card or UOB CashPlus Visa Card?
You should call our UOB Call Centre immediately 24-hour, toll-free at 1800 222 2121. We will cancel your lost card, and issue you a new one. However, a S$20 replacement fee applies.
Q8. Are there charges for issuing UOB CashPlus cheques?
No, as long as the amount issued is within your available credit limit.
There is a handling fee of S$40 for every returned cheque, and S$30 for each stop cheque payment instruction.
For total peace of mind, you may check your current available balance simply by accessing your UOB CashPlus account via UOB Personal Internet Banking or phone banking.
Q9. What happens if I run low on cheques?
UOB will automatically mail you a new UOB CashPlus cheque book when you have 10 cheques remaining in your cheque book. If you would like to request for a new cheque book, just visit your nearest UOB Group Branch. You may also use our phone banking service to request for one.
Q10. What if I lose my UOB CashPlus cheque book?
You should call our 24-hour UOB Call Centre at 1800 222 2121 immediately to place a stop payment on your cheque(s) so as to prevent fraudulent use, and arrange for an immediate replacement of your cheque book. Please note that a service charge of S$30 will be levied.
Q11. How is the UOB CashPlus interest calculated?
Interest is calculated daily by multiplying the daily outstanding balance by the annual rate that is divided by 365 days. The total interest will be reflected in your monthly Statement of Account.
Interest will continue to incur until repayment of the full amount into the UOB CashPlus account. Kindly note a minimum interest charge of S$10 per month applies.
Q12. How much do I have to pay monthly?
You may choose to service only the minimum amount payable stated in your monthly Statement of Account. The minimum sum payable is calculated based on the following table:
| Outstanding Amount | Minimum Sum Payable |
| Less than S$30 | No payment required |
| S$30 - S$1,500 | S$30 |
| More than S$1,500 | 2% of current balance plus any overdue amounts |
Kindly make your payment in Singapore dollars.
If you wish to check the exact outstanding amount payable, you may call us at 24-hour, toll-free at 1800 222 2121. Our friendly customer service officers will be happy to assist you.
Q13. How do I make repayments?
Q14. What can I use UOB CashPlus for in Internet Banking?
Q1. What is a UOB CashPlus Visa Card?
UOB CashPlus Visa card is a new add-on usage mode for our customers to make payment for things in shops or online. You can also use it to withdraw cash at over 877,000 ATMs worldwide.
Q2. What benefits will I enjoy with this UOB CashPlus Visa Card?
You will earn 1.5% cashback on all everyday purchases with the UOB CashPlus Visa Card and the maximum cash rebate is capped at S$50 per month.
There is no minimum spend amount required before you can qualify for the cashback. Any cash rebate earned in your current month's statement will be automatically credited to your following month's statement.
Plus, you are entitled to enjoy UOB Cards offers at over 1,000 merchants when you pay with the UOB CashPlus Visa Card.
Q3. I currently hold a UOB CashPlus account, how do I apply for the UOB CashPlus Visa Card?
Please call our 24-hour, toll-free hotline at 1800 2222 2121 to request for a UOB CashPlus Visa Card or download a form here
Q4. What are the requirements for a UOB CashPlus customer to get a UOB CashPlus Visa Card?
You must have a UOB CashPlus account; annual income of at least S$30,000 and above and age 21 and above.
More information available at this link: http://www.uob.com.sg/personal/borrow/cashplus/overview.page
Q5. When and who will be issued the new UOB Visa Card?
For new UOB CashPlus accounts approved from 15 November 2015, all customers with annual income S$30,000 and above will be issued a UOB CashPlus Visa Card.
For customers with annual income less than S$30,000, they will be issued with an ATM card.
For application, please visit https://uniservices1.uobgroup.com/secure/forms/cashplus.jsp
Q6. How do I calculate the cash rebate amount awarded to me?
Cashback will only be awarded for Point-of-sales (POS) and online transactions made on your UOB CashPlus Visa Card (capped at S$50 per month*, credited to your account in the following month).
See illustration below:
| Description | Amount Used | Cashback 1.5% (Capped at S$50 per month) |
| Giant Online | S$200 | S$3.00 |
| Cash Withdrawal | S$300 | - |
| Cheque | S$1000 | - |
| Robinson | S$300 | S$4.50 |
| Shell | S$150 | S$2.25 |
| Total Cashback Credited | S$9.75 |
| Description | Amount Used | Cashback 1.5% (Capped at S$50 per month) |
| Giant Online | S$200 | S$3.00 |
| ATM Cash Withdrawal | S$300 | - |
| Cheque | S$1000 | - |
| Robinson | S$380 | S$5.70 |
| Shell | S$150 | - |
| NTUC | S$280 | S$4.20 |
| Best Denki | S$1,500 | S$22.50 |
| Watson | S$80 | S$1.20 |
| Online Fund Transfer | S$2,000 | - |
| Agoda.com | S$1,850 | S$27.75 |
| Total Cashback | S$64.35 | |
| Total Cashback Credited | S$50.00* |
Q7. How much can I charge to my UOB CashPlus Visa Card?
You can charge up to the available credit limit on your UOB CashPlus account. The same limit will be applicable for your POS transactions, ATM withdrawals, cheque usage, online fund transfers and bill payments.
Q8. Do I earn the UOB$ on UOB CashPlus Visa Card?
Yes. UOB CashPlus Visa Card allows you to earn UOB$ cashback at UOB$ participating merchants. UOB$ can be used to redeem at any UOB$ merchants in subsequent transactions, for the total price of the UOB CashPlus Visa Card transactions on shopping, dining and entertainment.
Q9. Will I earn both UOB$ and cashback?
No, cashback will not be awarded on transactions at UOB$ merchants.
Q10. Will there be interests charged to my retail purchases with UOB CashPlus Visa Card?
Yes. As long as there’s an outstanding balance on your UOB CashPlus account, the same prevailing interest rate (20.9% p.a.) is applicable and interests will be calculated on daily basis, based on the outstanding principle amount at the end of each day. A minimum interest charge of S$10 per month will apply if there’s any outstanding debit balance within the month.
Q11. Can I use my UOB CashPlus Visa Card for overseas transactions?
Yes, you must first activate the overseas usage feature on your UOB CashPlus Visa card to enjoy the point-of-sale (POS) functionality overseas. To activate/de-activate please visit www.uob.com.sg/overseas.
Q12. Is there a limit to the amount that can be charged to my UOB CashPlus Visa Card?
Yes, there is a daily spending limit of S$2,000 on your UOB CashPlus Visa Card.
Q13. Can I increase my Visa daily limit for UOB CashPlus Visa Card?
Yes, you can adjust your Debit Card spending limit with any one of the following methods:
1. UOB TMRW app
Step-by-step guide:
2. UOB Debit Card Daily / Monthly Limit Form
Complete and send us the UOB Debit Card Daily/Monthly Limit Form.
Click here to download the form or you can request a copy by calling us at 1800 222 2121 or visit our branches.
