Saving and shopping go together like statement heels and an LBD

Saving and shopping go together like statement heels and an LBD

Like pairing One Account with your Lady’s Card. Now what you spend can earn you up to 3.88% p.a.1 on your savings. GET S$80* CASH CREDIT WHEN YOU APPLY ONLINE.

Features

Convenience of an eStatement only account

Low initial deposit and minimum balance of S$1,000

Easy access through 1,200 ATMs^ Islandwide via your linked UOB Lady's Card+

Comes with UOB Personal Internet Banking and UOB Mighty

How It Works

Earn 1.50% p.a.1 Interest

When you spend S$500 monthly on your UOB Lady's Card+.

How to earn
1.50% p.a.1 interest? Spend at least S$500 on your UOB Lady's Card+ monthly.

What constitutes as spend?
All MasterCard transactions successfully posted in the calendar month which also includes:

All MasterCard retail spend on your card
Recurring payments which covers your insurance premiums charged to your card Installment Payment Plan (IPP) – Not applicable for UOB Lady's Debit Card.

Up to 3.88% p.a1 Interest

When you spend S$500 monthly on your UOB Lady's Card+

And

Credit your salary via GIRO (min. S$2,000) or Pay 3 bills monthly via GIRO.

How to earn
1.50% p.a.1 interest? You need to perform Action 1 AND 2 or 3.

Action 1: Spend at least S$500 on your UOB Lady's Card+ monthly.

What constitutes as spend?
All MasterCard transactions successfully posted in the calendar month which also includes:

All MasterCard retail spend on your card
Recurring payments which covers your insurance premiums charged to your card
Installment Payment Plan (IPP) – Not applicable for UOB Lady's Debit Card.
Action 2: Crediting your salary (min S$2,000) monthly to your UOB One Account

What constitutes as Salary Credit?
Only valid for salary credited through GIRO with the transaction reference "SALA".

To set up your salary crediting account, please inform your HR department of your new account number. If applicable, you can use the template we have developed for you to send it to your HR department. Download it here.

Bonus interest is paid on the Monthly Average Balance# at month end. Action 3: Make 3 GIRO debit transactions monthly from your UOB One Account

What constitutes as GIRO debit transactions?
You need to make 3 GIRO debit transactions payable to any participating billing organisation with the bank, within the calendar month.

You can use the GIRO form to facilitate your GIRO instructions. Download it here.

Bonus interest is paid on the Monthly Average Balance# at month end.

Detailed Interest Rate Table

Account balance in your UOB One Account First
S$ 15,000
Next
S$ 15,000
Next
S$ 15,000
Next
S$ 15,000
Next
S$ 15,000
Above
S$ 75,000
Spend S$500 on your UOB Lady's Card+ 1.50% 1.50% 1.50% 1.50% 1.50% 0.05%
Spend S$500 on your UOB Lady's Card+ + Credit your salary or perform 3 GIRO transactions 1.85% 2.00% 2.15% 2.30% 3.88%

Total interest is equivalent to Base Interest Plus Bonus Interest. Base interest if 0.05% p.a.. Bonus interest if paid on first S$75,000 balance in your One Account.

1Maximum effective interest rate (EIR) on the One Account is 1.50% p.a. for deposits of S$75,000, provided customers meet the criterion of S$500 Card Spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 2.44% p.a. for deposits of S$75,000, provided customers meet both criteria of S$500 Card Spend AND (a) a min. S$2,000 salary credit via GIRO OR (b) 3 GIRO debit transactions in each calendar month.

#Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

+UOB Lady’s Card refers to any UOB Lady’s / Lady’s Platinum / Lady’s Solitaire credit and/or Lady’s debit cards issued by UOB.
*S$80 Cash Credit for UOB One Account: Limited to the first 200 new to UOB Deposits customers who successfully apply for their new UOB account online, deposits at least S$5,000 in fresh funds into their new UOB account and maintains such fresh funds in their new UOB account for 6 consecutive months. Terms and conditions of the UOB Online Promotion (1 to 31 January 2020) apply.

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member.

Wef 1 September 2019, please be informed that payments to educational institutions will be excluded from rewards (base & accelerated UNI$ awarding).

Wef 30 November 2019, please be informed that additional transactions will be excluded from the awarding of UNI$ and cash rebates. For details, click here for UOB Lady's Card's full terms and conditions.