How To Choose Your Rewards Category(ies):
Step 1:
Login to uob.com.sg/ladys-enrol
Step 2:
Fill in your details and choose your preferred reward category(ies)
Things you should know
UOB Lady’s Card eligibility and fees
Eligibility
Female only
Age: 21 years and above
Singaporean/PR:
- Minimum annual income of S$30,000 OR
- Fixed Deposit collateral of at least S$10,000#
For Foreigners:
- Minimum annual income of S$40,000 OR
- Fixed Deposit collateral of at least S$10,000#
Documents required: Click here
Annual fees:
- Principal card: S$194.40^ YEARLY
- First year card fee waiver
Annual Fee Waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady's Card.
Supplementary card
- S$97.20^ for subsequent card
- FREE for first card
Terms and conditions:
^Inclusive of Singapore's prevailing Goods and Services Tax (GST).
#Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.
Note: By applying for a UOB Lady's Card, your existing Lady's Solitaire Card, if any, will be automatically downgraded upon approval of your application. T&Cs apply.
UOB Lady’s Solitaire Card eligibility and fees
Eligibility:
Female only Age: 21 years and aboveSingaporean/PR/Foreigners:
- Minimum annual income of S$120,000 is required OR
- Fixed Deposit collateral of at least S$30,000#.
Documents required: Click here.
Annual fees:
- Principal card: S$410.40^ YEARLY
- First year card fee waiver
Annual Fee Waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady's Card.
Supplementary card
- S$194.40^ for subsequent card
- FREE for first 2 cards
Terms and conditions:
^Inclusive of Singapore's prevailing Goods and Services Tax (GST).
#Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.
Note: By applying for a Lady's Solitaire Card, your existing UOB Lady's Card, if any, will be automatically upgraded upon approval of your application. T&Cs apply.
UOB Lady’s Debit Card eligibility and fees
Eligibility:
Female onlyAge: 16 years and above
Singaporean/PR/ Foreigners:
- Hold a UOB Savings or Current account
- No minimum income requirement
For existing UOB Lady's Debit Cardmembers, you can adjust your Debit Card Mastercard spending limit. If you wish to adjust, click here to find out more.
Annual fees:
-
With effect from 1 January 2023:
- Principal card: S$18.17* yearly
- First 3 years card fee waiver
-
Thereafter, annual fee waiver with at least 12 Mastercard transactions per calendar year.
- Annual Fee Waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady's Debit Card.
*Inclusive of Singapore's prevailing Goods and Services Tax (GST).
Apply & Pay within minutes
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For new-to-bank customers, the application process has been enhanced to be fast, simple, and secure with MyInfo. No more endless fields to fill in and documents to upload.
For steps on how to digitize your card for mobile contactless payment, please click here.
Important Note: Apply & Pay within minutes is only valid for New-to-Bank applicants who use MyInfo to retrieve personal details and income information, pass all screening steps and income checks. Applications must be submitted from 7am - 8pm. You will be able to receive your physical card 5 working days upon card approval. For more details, visit here. |
Terms and conditions
W.e.f 1 January 2023, the UOB Lady’s Card, UOB Lady’s Solitaire Card and UOB Lady’s Debit Card annual fee will be adjusted to S$194.40, S$410.40 and S$18.17 respectively (inclusive of 8% GST).
W.e.f. 1 August 2022, payments to IPAYMY, RWS-LEVY, SMOOVE PAY, SINGPOST – SAM, and Razer Pay and payments for utilities will be excluded from the awarding of UNI$.
UOB Lady’s Card Terms and Conditions
1No minimum spend required. Register via uob.com.sg/ladys-enrol and select up to 2 categories for which you will earn 15X UNI$ per S$5 spent. 15X UNI$ comprises Base UNI$1, Bonus 9X UNI$ and Additional Bonus 5X UNI$^. The maximum aggregate amount of Bonus 9X UNI$ and Additional Bonus 5X UNI$ you can earn in a calendar month is (a) 2800 UNI$ which is equivalent to S$1,000 spent, if you are a UOB Lady’s Classic Card or UOB Lady’s Platinum Card Cardmember; or (b) 8400 UNI$ which is equivalent to S$3,000 spent if you are a UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card Cardmember. Cardmembers can choose to convert their UNI$ into air miles at the conversion rate of UNI$1 = 2 miles*.
For Terms and Conditions governing Base UNI$1 and Bonus 9X UNI$, click here.
^Additional Bonus 5X UNI$ is valid from 8 March 2023 to 29 February 2024 only and is subject to the Terms and Conditions governing Additional Bonus 5X UNI$ Promotion available here.
*Please refer to UOB Rewards Programme Terms and Conditions here.
If you have already enrolled for your categories, do note for subsequent entries it will take effect the next quarter onwards and the bank will take the last entry of categories for the new quarter Bonus UNI$ awarding. If you have not enrolled for your categories, it will take effect as of date of enrolment.
*Up to S$490 worth of Grab vouchers and cash credit comprises of 1) S$350 Grab vouchers, 2a) S$60 cash credit OR 2b) S$30 cash credit and 3a) S$50 cash credit AND/OR 3b) S$30 cash credit:
1) S$350 Grab Vouchers (UOB Credit Card Acquisition Promotion):
For the first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 June to 30 June 2023 (both dates inclusive) and spend a min. of S$1,000 for 2 consecutive months from their card approval date, they will receive Grab vouchers worth S$350. Click here for full terms and conditions.
2a) S$60 cash credit is only for the first 200 New-to-UOB-Deposits customers per calendar month who:
(i) successfully open a UOB Uniplus Account, UOB Lady’s Savings Account, UOB Stash Account, KrisFlyer UOB Account or UOB One Account online from 1 May to 31 July 2023,
(ii) deposit at least S$5,000 of fresh funds into their new UOB account during the calendar month which their new account opening month falls within, and
(iii) hold the deposited fresh funds till the end of the following calendar month.
OR
2b) S$30 cash credit is only for the first 200 Existing-UOB-Deposit customers per calendar month who meet (i) to (iii) mentioned in (2a) above
For existing UOB Deposits Customers, the fresh funds deposited into the new UOB account must result in a corresponding increase of at least S$5,000 when compared against the total amount standing to the credit of all other UOB current accounts and/or savings accounts of the customer as at 30 April 2023.
Full Terms and Conditions governing UOB Online Account Opening Promotion (1 May to 31 July 2023) apply.
AND
3) Up to S$80 cash credit is for customers who have successfully submitted an online participation form available at UOB Singapore website to participate in the UOB Salary Credit and GIRO Payment Reward Campaign (1 April 2023 to 30 June 2023):
3a) S$50 Salary Cash Reward for customers who (1 April 2023 to 30 June 2023):
successfully credit monthly salary of at least S$1,600 into an Eligible UOB Account via GIRO or PayNow within two calendar months from the date of submission of the online participation form;
AND/OR
3b) S$30 GIRO Payment Cash Reward for customers who (1 April 2023 to 30 June 2023):
successfully perform a bill payment of at least S$30 per transaction from an Eligible UOB Account via GIRO within two calendar months from the date of submission of the online participation form.
Full Terms and Conditions governing UOB Salary Credit and GIRO Reward Campaign (1 April 2023 to 30 June 2023) apply.
Insured up to S$75k by SDIC.
**For full terms and conditions governing the UOB Debit Card 10% Cashback promotion, please click here.
Debit Card Campaign Terms and Conditions
Terms and Conditions governing the Debit Card Activation Up to S$10 Grab Ride Vouchers Promotion, please click here.
Terms and Conditions governing the Debit Card Activation S$20 Grab Ride Voucher Promotion, please click here.
Information is accurate as of 8 March 2023.
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. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
For existing UOB Principal Credit Cardholders
Alternatively, if you are already a Principal UOB Credit Card holder, you can send an SMS application to 77672:
- Lady’s Card Products
- SMS
Lady’s Card Products | SMS |
UOB Lady’s Card | ‹Yeslady›space‹Last 4 digits of existing UOB Card›space‹NRIC#› |
UOB Lady’s Solitaire Card | ‹YesSolitaire›space‹Last 4 digits of existing UOB Card›space‹NRIC#› |

UOB Lady’s Card + Lady’s Savings Account
Now made more rewarding with monthly cash rewardsNEW!, free female cancer coverage of up to S$200,000 and more.
Save
Unlock 1% cash reward every month when you maintain at least S$10,000 in your UOB Lady’s Savings Account.
Protect
Get free coverage of up to S$200,000 for 6 female cancers from the first dollar you save. No medical assessment required.
Medical & Dental privileges
Enjoy complimentary basic annual health screening and specially curated dental treatments.
Promotion
Enjoy more privileges when you pair the UOB Lady’s Savings Account with UOB Lady’s Card. Visit uob.com.sg/uobsavers for the latest sign-up offer!

UOB Lady’s Card + UOB One Account
Get the highest interest rate ever on your savings with One Account – Now up to 7.8% p.a.
Earn up to 7.80% p.a. interest when you spend min. S$500 monthly on your UOB Lady’s Card AND credit your salary OR make 3 GIRO transactions monthly.
Promotion
Enjoy more privileges when you pair the UOB One Account with UOB Lady's Card. Visit uob.com.sg/uobsavers for the latest sign-up offer!
Frequently asked questions
1. Do I need to choose my Bonus UNI$ category(ies) every quarter?
You do not need to choose your Bonus UNI$ category(ies) every quarter if you have already registered your selection before. However, if no selection is made, the previous quarter’s selection will remain.
2. Where can I choose my current quarter’s Bonus UNI$ category(ies)?
You may visit uob.com.sg/ladys-enrol to select your preferred category(ies). For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).
3. Can I change my Bonus UNI$ category(ies) after I’ve selected them?
If you have already chosen your preferred category(ies) and will like to make a change, you may visit uob.com.sg/ladys-enrol to update your preferred category(ies) which will take effect in the next new calendar quarter. First entry: Takes effect as of date of enrolment. Subsequent entries: Takes effect the next quarter and the bank will take the last entry of category(ies) for the new quarter Bonus UNI$ awarding.
4. What are the calendar quarters?
Quarter | Month |
Quarter 1 | January, February, March |
Quarter 2 | April, May, June |
Quarter 3 | July, August, September |
Quarter 4 | October, November, December |
5. When can I choose or change my upcoming quarter’s Bonus UNI$ category?
You may choose or change your preferred category(ies) anytime within current quarter. It has to be made by 2359 hour before the first calendar date of the following Quarter.
6. I have selected my category(ies) for the next quarter, can I change again?
Yes, as long as you enrolled before the start of the next new calendar quarter. The bank will take the last entry enrolled before the start of the new quarter to determine that Bonus category(ies) selection of the new quarter.
For illustration purpose only:
15 April: Selected “Fashion” category.
21 June: Selected “Dining” category.
➔ Category(ies) for Quarter July – Sept will be effected as “Dining”.
7. Can a Lady’s Solitaire Cardmember select just one category instead of two?
The maximum spend cap of S$3000 is shared among the two categories of your choice. If you would prefer to select only one category, it means you will only be able to earn on one selected category, instead of two.
More FAQs
Click here for full FAQ
Other useful links
UOB Cardmembers’ Agreement
Click here for a copy of the UOB Cardmembers’ Agreement.
UOB Debit Cardmembers’ Agreement
Click here for a copy of the UOB Debit Cardmembers’ Agreement.
General Information On UOB Cards
Click here for general information on UOB Credit Cards.
UOB Debit Card Fees and Charges
Click here for a copy of the UOB Debit Card Fees and Charges.