United Overseas Bank

paymentadvantages Discover the other side of your UOB Preferred Platinum Card with UOB Payment Advantages. From managing your finances to stretching your purchasing power and even giving you extra cash, UOB Payment Advantages is your one-stop guide to help you get the most out of your UOB Preferred Platinum Card.

Cash Advance
Enjoy greater convenience and easy access to instant cash with your UOB Preferred Platinum Card. You can withdraw cash locally at any UOB ATM or abroad at any UOB / Cirrus / Plus ATM with your Card and PIN. Alternatively, you can visit any UOB Group branch or any Visa or MasterCard participating bank when you are overseas. Need foreign currency for your travel needs? You can do so via the UOB Foreign Exchange Counters in Changi Airport. In addition, you can also request for Cash Advance* by simply calling us at 1800 355 1212 or SMS Cash <space> your contact number <space> your name to (65) 9024 1111.

* Cash advance amount is pegged to 75% of your credit limit or available credit limit (whichever is lower). Interest will be charged on a daily basis at 2% per month from the date of each Cash Advance transaction until the date full payment is made. A Cash Advance fee of 5% of the transaction amount or S$15 (whichever is higher) applies for each Cash Advance transaction and will be charged to your UOB Preferred Platinum Card.

Payment Holiday
With Payment Holiday^, you can defer paying your credit card bills for ANY MONTH OF YOUR CHOICE, with NO LATE CHARGES. To apply for Payment Holiday, simply SMS Holiday <space> your contact number <space> your name to (65) 9024 1111 or log on to www.uobgroup.com/paymentadvantages and complete the Payment Holiday request form.

^ Only Cardmembers whose Card Accounts are in good standing, as determined by UOB Card Centre at its sole discretion, are eligible for the Payment Holiday Programme. Interest charges still apply. Payment Holidays are not allowed for any two consecutive months. Other terms and conditions apply.

Funds Transfer
You no longer have to pay 24% p.a. on your other credit cards. Start saving on interest with our incredible funds transfer rate+. Simply transfer funds from your UOB Preferred Platinum Card to pay for your outstanding bills on your other credit cards or just use the cash for anything you want. The choice is now yours.

Visit www.uobgroup.com/paymentadvantages to apply.

+Terms and conditions apply.

SmartPay
Back from an overseas trip or made a big purchase? Ask for SmartPay* . It is the easy way to convert up to five transactions charged to your UOB Credit Card that is of S$500 or more combined, into 3, 6 or 12 month interest-free instalment plan. All this with a low administrative fee^. Call our 24-hour hotline at 1800 222 2121 for SmartPay anytime, anyday within 14 days of your monthly credit card statement.

* SmartPay is valid for a minimum combined amount of S$500. A maximum of up to five combined retail transactions is allowed. Not valid for JCB Cards, UOB Purchasing Cards, UOB Corporate Cards, UOB Private Labels Cards, all UOB Visa Electron Cards, and all UOB Visa Debit Cards.

^ One-time administrative fee of 3% (3 or 6 month instalment plan) or 5% (12-month instalment plan) will be charged in full within the first instalment and is non-refundable. Other terms and conditions apply.

Interest-free Loan
Enjoy 0% interest cash for up to 24 months with our Interest-Free Loan. You can enjoy easy repayment of up to 24 monthly installments for just a small processing fee+. Simply request for S$500 or more, up to available credit limit of your UOB Preferred Platinum Card. To apply, SMS Loan <space> your contact number <space> name and send it to (65) 9024 1111.

+ A one-time non-refundable processing fee of the requested amount applies. The processing fees for the requested amounts are 3% for a 6-month installment plan, 5% for a 12-month installment plan, 7% for a 18-month installment plan and 9% for a 24-month installment plan. Your Approved Loan Amount will include the processing fee and the requested loan amount. The Approved Loan Amount should not exceed the available credit limit of your UOB Credit Card. The Bank reserves the right to reject any application or vary the requested amount at its absolute discretion.

Bill Payment

With UOB Bill Payment, you can consolidate your monthly SingTel, StarHub, M1 or SPH bills on your UOB Preferred Platinum Card, and pay just one simple bill. This arrangement isn't just convenient, it's rewarding as well because you also earn UNI$ while paying your bills.