# UOB: CashPlus: 0% interest for 4 months for new online sign-ups

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: 0% (Deal)
- When: 1 Nov – 31 Jan
- Status on 2026-11-12: live
- Category: Cards & Banks
- 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.
- Promotion page: https://www.uob.com.sg/personal/borrow/personal-financing/cashplus.page#promotions
- Menu / poster (PDF): https://www.uob.com.sg/web-resources/personal/pdf/personal/borrow/cashplus/overview/cashplus-online-interest-rate-tnc-cmpg.pdf
- Where: Not stated

## Details

### Welcome offer · approved 1 Nov 2026 to 31 Jan 2027
- 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)

### UOB's example on S$15,000 used
- 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

### After the offer
- 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

### Good to know
- 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

- Confidence: high
- Last updated: 2026-11-11T15:11:50+08:00
- Page: https://spill.sg/p/uob-cashplus-0pct-interest-2026-11-01
- Add to calendar: https://spill.sg/p/uob-cashplus-0pct-interest-2026-11-01/calendar.ics (.ics: Apple, Outlook, Samsung) · Google: https://calendar.google.com/calendar/render?action=TEMPLATE&text=UOB%3A+CashPlus%3A+0%25+interest+for+4+months+for+new+online+sign-ups&dates=20261112%2F20270201&details=New+UOB+CashPlus+customers+who+apply+online+with+Myinfo+from+1+Nov+2026+to+31+Jan+2027+get+0%25+interest+for+4+months+with+no+fee%2C+or+6+or+12+months+with+a+nominal+fee.%0AUntil+2027-01-31%0ANew+CashPlus+customers+only%3B+apply+online+via+Myinfo+and+get+approved+1+Nov+2026-31+Jan+2027%3B+not+with+Balance+Transfer+or+Personal+Loan+applications.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fuob-cashplus-0pct-interest-2026-11-01&location=&ctz=Asia%2FSingapore · Outlook.com: https://outlook.live.com/calendar/0/deeplink/compose?path=%2Fcalendar%2Faction%2Fcompose&rru=addevent&subject=UOB%3A+CashPlus%3A+0%25+interest+for+4+months+for+new+online+sign-ups&body=New+UOB+CashPlus+customers+who+apply+online+with+Myinfo+from+1+Nov+2026+to+31+Jan+2027+get+0%25+interest+for+4+months+with+no+fee%2C+or+6+or+12+months+with+a+nominal+fee.%0AUntil+2027-01-31%0ANew+CashPlus+customers+only%3B+apply+online+via+Myinfo+and+get+approved+1+Nov+2026-31+Jan+2027%3B+not+with+Balance+Transfer+or+Personal+Loan+applications.%0Ahttps%3A%2F%2Fspill.sg%2Fp%2Fuob-cashplus-0pct-interest-2026-11-01&location=&startdt=2026-11-12&enddt=2027-02-01&allday=true
- Save and get a reminder when it starts: https://spill.sg/p/uob-cashplus-0pct-interest-2026-11-01?save=1&remind=1

_From Spill. Source: uob.com.sg. Terms can change._