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.
Get S$150 cash rebate with UOB SmartPay
From 7 Nov to 31 Dec 2024, simply convert a minimum of S$3,800 to UOB SmartPay 12 month plans to get S$150 cash rebate*.
To register for this promotion, please SMS the following to 77862 by 31 Dec 2024: SPYC ‹space› last 4 alpha-numeric characters of your NRIC/passport number (eg. SPYC 123A).
Capped at the first 200 customers. Terms and conditions apply 
How to apply on UOB TMRW
Step-by-step guide on how it works:
Step 1
Login to UOB TMRW and select your desired card.
Tap “Convert to SmartPay Instalments”
Step 2
Select the card to charge your monthly instalments to and tenure
Step 3
Select either Current outstanding balances or Selected transactions.
Note Current outstanding balances refers to the total current outstanding balances across ALL your UOB Credit Cards
Step 4
Review and confirm plan details.
An approval SMS will be sent to your registered mobile number one (1) working day from your time of application to inform you if your application has been approved or rejected.
Step 1
Login to UOB TMRW and select your desired card.
Tap “Convert to SmartPay Instalments”
Step 2
Select the card to charge your monthly instalments to and tenure
Step 3
Select either Current outstanding balances or Selected transactions.
Note Current outstanding balances refers to the total current outstanding balances across ALL your UOB Credit Cards
Step 4
Review and confirm plan details.
An approval SMS will be sent to your registered mobile number one (1) working day from your time of application to inform you if your application has been approved or rejected.
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!
SMS
SMS SP‹space›last 4 digits of NRIC‹space›Name to 77862
e.g. SP 321Z John
You will receive a call from us within three working days to assist with your application.
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
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Explore more with UOB
The Dining Advisor
Embark on a culinary adventure with our curated collection of reviews, deals and more. A guide designed for the epicurious.
The Travel Insider
A travel portal to inspire, plan and book your next vacation in one place.
ShopUOB
Get the latest deals and inspirations for all your shopping needs. There’s a deal for everyone at ShopUOB.
Rewards+ on UOB TMRW
Travel with Rewards+ on UOB TMRW for access to the hottest regional deals and coupons, curated just for you.
Card services
Card activation
As a security measure, you will be required to activate your card before usage. To begin, you can activate your card instantly with these easy ways.
Increase your credit limit
Maximise your UOB card benefits by increasing your credit limit.
Overseas card use
Enable your UOB card for overseas use.
Report lost / stolen card
Call 1800 222 0990 (local) or +65 6222 0990 (from overseas)
More UOB card services
Learn more on how to better manage your and protect your transactions.
Card services
Card activation
As a security measure, you will be required to activate your card before usage. To begin, you can activate your card instantly with these easy ways.
Increase your credit limit
Maximise your UOB card benefits by increasing your credit limit.
Overseas card use
Enable your UOB card for overseas use.
Report lost / stolen card
Call 1800 222 0990 (local) or +65 6222 0990 (from overseas)
More UOB card services
Learn more on how to better manage your and protect your transactions.
We're here to help
Have a question?
Contact us
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