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Apply UOB CASH PLUS to get 0% interest rate for 2 billing cycle*
Unlock new experience with UOB CASH PLUS
Apply for UOB CASH PLUS today for new experience to meet your financial needs with easy approval process with no guarantor or collateral required. Enjoy our special privileges that is designed for your financial flexibility.
0% special interest for the first 2 billing cycles
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Receive 1 Cool Cabin Bag valued at THB 2,500
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Unlock the Benefits of UOB Cash Plus
ดอกเบี้ยเบา ๆ
เพียง 70 สตางค์/วัน เมื่อเบิกถอนเงินสด 1,000 บาท
ผ่อนสินค้า 0%
นานสูงสุด 36 เดือน ณ ร้านค้าที่ร่วมรายการ
วงเงินพร้อมใช้
เปลี่ยนวงเงินบนบัตรเป็นวงเงินพร้อมใช้ ผ่อนนานสูงสุด 48 เดือน
ดอกเบี้ยเบา ๆ
เพียง 70 สตางค์/วัน เมื่อเบิกถอนเงินสด 1,000 บาท
ดอกเบี้ยเบา ๆ
เพียง 70 สตางค์/วัน เมื่อเบิกถอนเงินสด 1,000 บาท
ดอกเบี้ยเบา ๆ
เพียง 70 สตางค์/วัน เมื่อเบิกถอนเงินสด 1,000 บาท
Unlock the Benefits of UOB CASH PLUS
No Cash Advance Fee
Provide the multiple channels for you to withdraw cash advance through ATM (PLUS or POOL), UOB branches and UOB TMRW application
0% Installment Payment Plan
0% IPP at POS with any participated store nationwide for maximum terms at 36 months
Call-for-Cash Program
Convert your available revolving credit line into cash with installment payment plan for maximum term of 48 months
What can I use UOB CASH PLUS for?
0% IPP for 3 months for the whole basket at any Makro branch
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Enjoy Monthly Mission to get the special gift with us
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Quarterly privilege for our valued customers to enjoy Movie at SF cinema
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Celebrate your Birthday month with special gift from us
Find out moreWhat can I use UOB CASH PLUS for?
0% IPP for 3 months for the whole basket at any Makro branch
Find out more
Enjoy Monthly Mission to get the special gift with us
Find out more
Quarterly privilege for our valued customers to enjoy Movie at SF cinema
Find out more
Celebrate your Birthday month with special gift from us
Find out moreLatest Promotions for Your UOB CASH PLUS
CASH PLUS First Time
Get 6 Krispy Kreme Original Glazed when withdrawing cash for the first time within 60 days after card approval.
FRIYAY Happiness
Get e-Coupons up to THB 19,200 when withdrawing cash via UOB CASH PLUS card every Friday.
What can I use UOB CASH PLUS for?
Emergency Expenses
Whether it's unexpected medical bills, urgent home repairs, or unforeseen travel expenses, UOB CASH PLUS can provide the funds you need quickly to handle emergencies.
Home Renovations
Planning to upgrade your home? Use UOB CASH PLUS to finance your renovation projects, from minor repairs to major overhauls, without depleting your savings.
Education and Skill Development
Invest in your future by using UOB CASH PLUS to pay for tuition fees, certification courses, or skill development programs that can enhance your career prospects.
ดอกเบี้ยเบา ๆ
เพียง 70 สตางค์/วัน เมื่อเบิกถอนเงินสด 1,000 บาท
Things you should know
Interest Calculation Method
Interest = Loan Size x number of days x Interest rate per year
365 days
365 days
Interest
Example Table of Interest expense based on 30 days
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ยอดเงินที่เบิก ต่อ อัตราดอกเบี้ย
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25%
| Outstanding balance per Interest rate | 25% |
| 1,500 | 30.82 |
| 5,000 | 102.74 |
| 10,000 | 205.48 |
| 20,000 | 410.96 |
| 30,000 | 616.44 |
| ยอดเงินที่เบิก ต่อ อัตราดอกเบี้ย |
| 1,500 |
| 5,000 |
| 10,000 |
| 20,000 |
| 30,000 |
Rate and Fee
|
Category |
Amount/Rate |
|
|---|---|---|
|
|
|
|
1.1 Normal Interest Rate* |
Maximum 25% per annum |
|
|
1.2 Ceiling Interest Rate |
The maximum normal interest rate actually charged as in the contract and plus 3% per annum but not exceeding ceiling interest rate at 25% per annum |
|
|
1.3 Prepayment Fee within the first year |
N/A |
|
|
* lnterest Rate, credit limit and monthly installment loan will be informed in the Approval letter |
||
|
Actual Appropriate Expenses |
||
|
0.05% of credit limit |
|
|
N/A |
|
|
|
|
|
Payment Channel |
Service charges per Transaction |
|
|
Bangkok and Greater Bangkok |
Upcountry Province |
|
|
At Counter of United Overseas Bank (Thai) |
Free |
Free |
|
UOB Direct Debit |
Free |
Free |
|
Mailing Cheque |
Free |
Free |
|
UOB Personal Internet Banking (PIB) |
Free |
Free |
|
UOB TMRW Application |
Free |
Free |
|
At UOB ATM |
Free |
Free |
|
Pay at Post |
THB 10 / every THB 50,000 |
|
|
At Counter Service (Cash only and not more than THB 30,000/ time) |
THB 15 |
THB 20 |
|
Bank of Ayudhya |
|
|
|
- At Counter of Bank of Ayudhya |
THB 30 |
THB 40** |
|
- Electronic Channels of Bank of Ayudhya |
THB 10 |
THB 10** |
|
Electronic Channels of Siam Commercial Bank |
N/A |
N/A |
|
Lotus's |
THB 10 |
THB 10 |
|
mPay STATION |
THB 15 |
THB 15 |
|
Cross-Bank Bill Payment (Promptpay)**** |
Free |
Free |
|
True Money |
Maximum of THB 20 |
Maximum of THB 20 |
|
** When making payment of over THB 50,000 at Bank of Ayudhya in upcountry provinces, the additional fee of 0.10% of the payment amount or maximum of THB 1,000 shall be imposed. *** Payment at Lotus's will be temporary out of service from 1st October 2024 and we shall announce again once the service is back **** PromptPay fees has been waived until further notice. Customer can check a list of participating banks in Cross-Bank Bill Payment (PromptPay) from the Bank of Thailand website. |
||
|
N/A |
|
|
50 THB per statement cycle for one overdue payment and 100 THB per statement cycle for more than one overdue payment (exclude VAT) |
|
|
N/A |
|
|
N/A |
|
|
THB 200 / card (exclude VAT) |
|
|
THB 100 per statement cycle (exclude VAT) |
|
|
THB 100 per transaction (exclude VAT) |
|
|
THB 200 per transaction (exclude VAT) |
|
Remarks:
- The Bank will charge interest rate, service charges, penalty fee or any other fees in clause 1.1 – 1.3 in total than 25% p.a. (Effective Rate)
- The Bank may change interest rates in connection with the personal loan product from time to time by informing the borrower of the change not less than 30 days in advance, except the change on MLR, MRR, MOR, deposit interest rate or default interest rate. For the Personal Loan business under supervision, the Bank will be able to change such rate in accordance with the BOT’s regulation. However, the Bank will provide the written notice to borrowers, if that change affects benefits of the borrowers.
- Payment service fees in clause 4 are payable to the service providers at the payment channel and may be changed, subject to each service provider.
- In the event that there is an amendment to the terms and conditions of any product or service in relation to this terms and conditions that impacts on the customers' use of services such as fee adjustments for the use of financial products or services corresponding to the increased costs, changing service channels, changing conditions or benefits of a financial product or service, changing due date for debt settlement, the Bank shall communicate to or notify the Borrower of the material information of such amendment not less than 30 days prior to the effective date of such amendment, unless there may be significant damage to the Bank, such as the suspension or cancellation of credit card use in the event that the Bank detects fraud or where the customer defaults on the debt or fails to comply with the terms and conditions of using the financial services, the Bank shall be entitled to only notify such actions to the Borrower after such amendment within a reasonable period of time, except where the parties have agreed otherwise.
In this regard, communicating or giving material information of the change under the preceding paragraph does not include cases where the Bank is required to take action under the law or order of the court or government agency.
In the event that such amendment affects the service available to the Borrower, materially causing disadvantageous or increase burdens to the Borrower such as increasing credit card limit or cash card, changing method of notification, the delivery of information and documents from the original format to the electronic data format, the Borrower, has the right to give consent or deny such changes. In the event that Borrower wishes to change such conditions, the Borrower shall give consent for the change within the period and formats as specified by the bank.
Quailifications of Applications
Salaried employee
- Thai Nationality Age of 20 - 60 years
- Minimum income THB 15,000 above
- Duration of employment at least 4 months (must pass probationary period)
Self-employed
- Thai Nationality Age of 20 - 60 years
- Minimum income THB 20,000 above
- Duration in business at least 3 years in the same business
Documents required for employee :
- Copy of ID Card or government official card/state enterprise employee card
- Latest payroll slip (original or copy) or salary confirmation letter (original)
- Copy of bank statements (salary account) for the past 6 months (in case of submitting salary confirmation letter)
- Copy of book bank for money transfer (in case you need to transfer money to another bank account)
- Copy of House registration (in case of submitting copy of government official card/state enterprise employee card)
Documents required for self-employed :
- Copy of ID Card
- Copy of business registration certificate/commercial certificate (not older than 3 months)
- Copy of bank statements for the past 6 months
- Copy of shareholder list (not older than 3 months)
- Copy of book bank for money transfer (in case you need to transfer money to another bank account)
UOB CASH PLUS – Frequently Asked Questions
What is UOB CASH PLUS?
UOB CASH PLUS is a flexible line of credit that provides you with easy access to funds for both everyday expenses and unexpected needs. It allows you to manage your finances with greater convenience.
How can I apply for UOB CASH PLUS?
You can apply for UOB CASH PLUS by submitting your application online. The UOB sales executive team will follow up on the application process. Existing UOB customers can apply immediately via the UOB TMRW mobile application for a quick and easy application experience.
What is the interest rate for UOB CASH PLUS?
The interest rate for UOB CASH PLUS charges maximum at 25% per annum without any cash advance transaction fee. For the most current rate and promotion through various programs, please visit the UOB website or contact customer service 0-2285-1555.
How do I repay my UOB CASH PLUS?
Repayment options include:
- Monthly minimum payments
- Full repayment of the outstanding balance
- Payments via UOB branches, ATMs, internet banking, or TMRW Application
Are there any fees associated with UOB CASH PLUS?
- No annual fee
- Daily Interest rate charge at 25% per annum
- No cash advance transaction fee
What are the eligibility criteria for UOB CASH PLUS?
Salaried Employees:
- Thai nationality
- Aged 20-60 years
- Minimum monthly income of THB 15,000
- Employment duration of at least 4 months (must have passed probation)
Self-Employed Individuals:
- Thai nationality
- Aged 20-60 years
- Minimum monthly income of THB 20,000
- At least 3 years in the same business
What documents are required for the application?
The required documents include:
- A copy of your Thai National ID
- Proof of income (recent salary slips or bank statements)
- Proof of employment or business (employment certificate or business registration)
- Recent utility bill for address verification
Can I increase my UOB CASH PLUS credit limit?
Yes, you can request an increase in your credit limit by submitting a request along with updated income documents. Approval is based on a credit review by UOB.
What should I do if I encounter issues with my UOB CASH PLUS account?
For any issues with your UOB CASH PLUS account, contact our customer service hotline at 0-2285-1555, available 24/7, or visit your nearest UOB branch for assistance.
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