{
  "id": "uob-cashplus-0pct-interest-2026-11-01",
  "url": "https://spill.sg/p/uob-cashplus-0pct-interest-2026-11-01",
  "brand": "UOB",
  "title": "CashPlus: 0% interest for 4 months for new online sign-ups",
  "summary": "New UOB CashPlus customers who apply online with Myinfo from 1 Nov 2026 to 31 Jan 2027 get 0% interest for 4 months with no fee, or 6 or 12 months with a nominal fee.",
  "deal_type": "other",
  "badge": "0%",
  "price_sgd": 0,
  "original_price_sgd": null,
  "start_date": "2026-11-01",
  "end_date": "2027-01-31",
  "time_note": null,
  "conditions": "New CashPlus customers only; apply online via Myinfo and get approved 1 Nov 2026-31 Jan 2027; not with Balance Transfer or Personal Loan applications.",
  "details": [
    {
      "heading": "Welcome offer · approved 1 Nov 2026 to 31 Jan 2027",
      "lines": [
        "0% p.a. for 4 months, S$0 nominal fee (EIR 0% p.a.)",
        "0% p.a. for 6 months, nominal fee S$160 for credit limits up to S$30,000, or 1.6% of the limit above S$30,000 (EIR 3.34% p.a.)",
        "0% p.a. for 12 months, nominal fee S$300 for limits up to S$30,000, or 3.0% of the limit above S$30,000 (EIR 3.30% p.a.)",
        "The 0% period starts on the approval date (the SMS date)"
      ]
    },
    {
      "heading": "UOB's example on S$15,000 used",
      "lines": [
        "Interest at another bank's card at 28% p.a.: S$1,400 (4 months), S$2,100 (6 months), S$4,200 (12 months)",
        "Savings with CashPlus: S$1,400, S$1,940 and S$3,900"
      ]
    },
    {
      "heading": "After the offer",
      "lines": [
        "Prevailing rate 20.9% p.a. (income S$30,000+) or 24% p.a.; minimum payment 2% or S$30",
        "Missed minimum payment: 29.98% p.a. for 4 months, late charge S$120",
        "Annual fee S$120, waived for the first year"
      ]
    },
    {
      "heading": "Good to know",
      "lines": [
        "Not for existing CashPlus holders or anyone who closed one in the 6 months before 1 Nov 2026",
        "Eligibility: Singapore Citizen or PR, 21+, min. income S$30,000",
        "Nominal fee is charged in the first 3 weeks of the month after approval",
        "Full terms: \"UOB CashPlus Online Prevailing Interest Rate Promotion\" PDF on the page"
      ]
    }
  ],
  "promo_url": "https://www.uob.com.sg/personal/borrow/personal-financing/cashplus.page#promotions",
  "booking_url": "https://www.uob.com.sg/personal/borrow/personal-financing/cashplus.page#promotions",
  "pdf_url": "https://www.uob.com.sg/web-resources/personal/pdf/personal/borrow/cashplus/overview/cashplus-online-interest-rate-tnc-cmpg.pdf",
  "promo_code": null,
  "coupons": [],
  "eligibility": [],
  "category": "finance",
  "status": "live",
  "all_outlets": false,
  "outlets": [],
  "hours_today": null,
  "posted_at": "2026-10-31T16:00:00.000Z",
  "source_url": "https://www.uob.com.sg/personal/borrow/personal-financing/cashplus.page",
  "image_url": "https://spill.sg/deal-img/uob-cashplus-0pct-interest-2026-11-01.webp?v=8c9100de6d",
  "original_url": "https://www.uob.com.sg/personal/borrow/personal-financing/cashplus.page",
  "original_type": "website",
  "original_text": "Access instant funds with UOB CashPlus. Enjoy flexible repayments starting from just S$30 per month. Apply today to take advantage of our limited-time 0% interest promotion.",
  "confidence": "high",
  "sponsored": false,
  "verified_by_brand": false,
  "updated_at": "2026-11-11T15:11:50+08:00",
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