How to Pay UOB Credit Card Bill: Paying your UOB (United Overseas Bank) credit card bill in Singapore is a straightforward process, with multiple options available to suit your preferences.
Whether you prefer online transactions, automated payments, or traditional methods, UOB offers several ways to settle your credit card dues. This guide will walk you through each payment method step by step.
1. Pay via UOB Mighty App
The UOB Mighty app provides a convenient way to manage your credit card payments on the go.
Steps:
- Download and Install the UOB Mighty App: Available on both the Apple App Store and Google Play Store.
- Log in: Use your UOB internet banking credentials to log in.
- Select “Pay Bills”: Navigate to the “Pay & Transfer” section and select “Pay Bills.”
- Choose the Credit Card: Select your UOB credit card from the list.
- Enter Payment Details: Specify the amount you wish to pay.
- Confirm Payment: Review the details and confirm your payment.
2. Pay via UOB Personal Internet Banking
If you prefer using a desktop or laptop, UOB’s internet banking platform is a reliable option.
Steps:
- Log in to UOB Personal Internet Banking: Visit the UOB Personal Internet Banking website and log in with your credentials.
- Navigate to “Bill Payment”: Under the “Payments” tab, click on “Bill Payment.”
- Select Credit Card: Choose your UOB credit card as the biller.
- Input Payment Amount: Enter the amount you want to pay.
- Confirm and Submit: Verify the payment details and submit the payment.
3. GIRO Payment (Automatic Payment)
For hassle-free payments, set up GIRO (General Interbank Recurring Order) to automatically deduct the payment from your bank account.
Steps:
- Download the GIRO Application Form: Visit the UOB website to download the GIRO application form.
- Fill in the Details: Complete the form with your bank account and credit card details.
- Submit the Form: Submit the completed form to any UOB branch or mail it to UOB.
- Automatic Deduction: Once approved, your credit card bill will be automatically deducted from your designated bank account on the due date.
4. Pay via AXS Stations
AXS stations are self-service kiosks located throughout Singapore, providing a convenient way to pay your UOB credit card bill.
Steps:
- Visit an AXS Station: Locate the nearest AXS station.
- Select “Pay Bills”: On the main menu, select “Pay Bills.”
- Choose UOB Credit Card: Follow the prompts to select UOB and then enter your credit card number.
- Enter Payment Amount: Specify the amount you wish to pay.
- Confirm and Pay: Review the details and complete the payment using your bank card.
5. Pay via Phone Banking
UOB’s phone banking service allows you to pay your credit card bill with just a phone call.
Steps:
- Call UOB Phone Banking: Dial 1800 22 22 121 for UOB’s phone banking service.
- Authenticate: Follow the instructions to authenticate your identity.
- Select Bill Payment Option: Choose the bill payment option and select your UOB credit card.
- Enter Payment Details: Specify the amount to be paid.
- Confirm Payment: Follow the prompts to confirm the payment.
6. Pay Over the Counter at UOB Branches
If you prefer face-to-face transactions, you can pay your credit card bill at any UOB branch.
Steps:
- Visit a UOB Branch: Locate your nearest UOB branch.
- Present Your Credit Card Statement: Hand over your credit card statement or provide your credit card number to the teller.
- Make Payment: Pay via cash, cheque, or fund transfer from your UOB account.
- Obtain a Receipt: Ensure you receive a receipt for your payment.
7. Pay via Cheque
If you prefer traditional methods, you can pay your UOB credit card bill via cheque.
Steps:
- Write a Cheque: Write a cheque payable to “United Overseas Bank Limited” and indicate your credit card number on the reverse side.
- Mail the Cheque: Mail the cheque to the address provided on your credit card statement or drop it off at any UOB branch.
- Allow Processing Time: Ensure you mail the cheque early to avoid late payments, as processing may take a few days.
FAQ for How to Pay UOB Credit Card Bill
Are there any fees associated with different payment methods?
Most payment methods are free of charge, including internet banking, mobile app, GIRO, ATM, and AXS payments. However, if you choose to pay via cheque, ensure timely mailing to avoid late payments. Cash payments at branches do not incur fees but may be less convenient.
Can I pay my UOB credit card bill from another bank’s account?
Yes, you can use Interbank GIRO to set up automatic payments from accounts held with other banks in Singapore. Additionally, you can use FAST transfers through your other bank’s internet banking platform by adding your UOB credit card as a payee.
What should I do if I miss a payment?
If you miss a payment:
Make the payment as soon as possible using any available method.
Be aware that a late payment fee and interest charges may apply.
Consider setting up automatic payments via GIRO to avoid future missed payments.
If facing financial difficulties, contact UOB customer service to discuss possible solutions.
How can I confirm that my payment has been received?
Internet Banking/App: Check your transaction history and credit card statement online.
Email/SMS Notifications: Enable notifications for payment confirmations.
Customer Service: Call UOB’s customer service hotline to verify payment status.
Always monitor your statements to ensure all payments are accurately reflected.
Who can I contact for assistance regarding credit card payments?
You can reach out to UOB Customer Service through the following channels:
Hotline: 1800 222 2121 (within Singapore) or +65 6222 2121 (from overseas).
Email: Visit the UOB website and use the contact form.
Branches: Visit any UOB branch for in-person assistance.
Customer service representatives can assist with payment issues, setting up payment methods, and addressing any concerns.
Is there a minimum payment amount I must make each month?
Yes, the minimum payment is typically either a fixed amount (e.g., SGD 50) or a percentage of your outstanding balance (e.g., 3%), whichever is higher. Refer to your credit card statement for the exact minimum payment due each month.
Can I make partial payments towards my credit card bill?
Yes, you can make partial payments, but any unpaid balance will incur interest charges until fully paid off. It’s advisable to pay the full statement balance each month to avoid additional charges.
Are there rewards for paying my credit card bill on time?
While there are no direct rewards for timely payments, maintaining a good payment history positively impacts your credit score, which can lead to better credit terms and offers in the future. Additionally, timely payments help you avoid late fees and interest charges.
Can I use mobile wallets like PayNow or PayLah! to pay my UOB credit card bill?
As of now, UOB does not support credit card bill payments through PayNow or PayLah!. Please use the available payment methods such as internet banking, mobile app, or AXS stations.
Conclusion
Paying your UOB credit card bill in Singapore is a seamless process with various methods to choose from, whether you prefer digital platforms or more traditional payment options. By staying on top of your payments, you can avoid late fees and maintain a good credit score. Choose the method that best suits your lifestyle and payment preferences.
