
UOB SmartPay
Benefits

Interest-free monthly installments
Interest-free monthly instalments with one-time low processing fee from 3%.
How it works
Tenure | 3 months | 6 months | 12 months |
One-time processing fee | 3% | 3% | 5% |
Effective Interest Rate | 18.18% p.a. | 10.43% p.a. | 9.5% p.a. |
For example, based on a retail purchase of S$3,600: | |||
Monthly Instalment | S$ 1200 | S$ 600 | S$ 300 |
One-time processing fee (Charged with first instalment) |
S$ 108 | S$ 108 | S$ 180 |
For frequently asked questions, click here.
Other ways of applying
UOB Personal Internet Banking
Most fields will be prefilled for a hassle-free experience! You will be notified on the outcome of your application by the next working day!
Forgot your password? Reset it instantly using your UOB Card!

UOB TMRW
Manage your card with UOB TMRW
Pay bills at over 300 billing organisations
Real time view of your card transactions
Manage your Credit Card limit
Report & block a lost card quickly
Things you should know
Important Notice
Sales representatives, if any, may be remunerated for the recommendation or sale of this service.
Terms and conditions
- For UOB SmartPay’s general terms and conditions, please click here.
Related products
KrisFlyer UOB Credit Card
Unlock more KrisFlyer miles and exclusive privileges with the KrisFlyer UOB Credit Card.
KrisFlyer UOB Debit Card
Earn KrisFlyer miles and interest when you spend and save on your KrisFlyer UOB Debit Card and Account.
UOB Visa Signature Credit Card
Earn up to UNI$10 on overseas (including online), petrol and contactless transactions, and UNI$1 on all other spend with no cap.