Get up to S$548 Cash Credit* when you apply.

Choose your rewards category(ies) and earn 15X UNI$ (or 30 miles)1

Be it shopping online or in stores, locally or overseas – Earn 15X UNI$ for every S$5 spent1 (equivalent to 6 miles per S$1) on your preferred rewards category(ies) with no minimum spend required. What's more, have the freedom to change your category every quarter.

Note: The accelerated earn rate of 15X UNI$ per S$5 spent (equivalent to 6 miles per S$1) on your preferred rewards category(ies) has been extended till 31 March 2024! After which, you will continue to earn 10X UNI$ per S$5 spend (equivalent to 4 miles per S$1) on your preferred rewards category with no minimum spend. T&Cs apply.

Choose your rewards category(ies) and earn 15X UNI$ (or 30 miles)1

Be it shopping online or in stores, locally or overseas – Earn 15X UNI$ for every S$5 spent1 (equivalent to 6 miles per S$1) on your preferred rewards category(ies) with no minimum spend required. What's more, have the freedom to change your category every quarter.

Note: The accelerated earn rate of 15X UNI$ per S$5 spent (equivalent to 6 miles per S$1) on your preferred rewards category(ies) has been extended till 31 March 2024! After which, you will continue to earn 10X UNI$ per S$5 spend (equivalent to 4 miles per S$1) on your preferred rewards category with no minimum spend. T&Cs apply.

How To Choose Your Rewards Category(ies):

Step 1:

Step 1:

Login to uob.com.sg/ladys-enrol

Step 2:

Step 2:

Fill in your details and choose your preferred reward category(ies)

Step 3:

Step 3:

Start earning 15X UNI$ for every S$5 spent1 (equivalent to 6 miles per S$1) on your preferred rewards category(ies)

Note:

  • If you have already selected your preferred categories, and wish to subsequently change your preferred categories, any change will only take effect from the next calendar quarter. For e.g. If you are enrolled in ‘Fashion’ category for Quarter 2 (April, May, June) and subsequently want to change to ‘Dining’ category on 15 May, your ‘Dining’ category will take effect from Quarter 3 (July, August, September).
  • Lady’s Card Cardmembers may choose one (1) preferred rewards category only; Lady’s Solitaire Cardmembers may choose up to two (2) preferred rewards categories.
  • For existing UOB Lady’s Card Cardholders who have applied for a Lady’s Solitaire Card, your existing UOB Lady's Card, will be automatically upgraded upon approval of your application. You may select two (2) preferred rewards categories to take effect in the next calendar quarter. T&Cs apply.

Privileges

Privileges

Designed to suit your lifestyle

Featuring the UOB Lady's Cards, designed by homegrown fashion designer, Priscilla Shunmugam.

Designed to suit your lifestyle

Featuring the UOB Lady's Cards, designed by homegrown fashion designer, Priscilla Shunmugam.

Promotions

Discover exclusive partners and deals, tailored to suit your refined lifestyle preferences.

Promotions

Discover exclusive partners and deals, tailored to suit your refined lifestyle preferences.

Things you should know

UOB Lady’s Card eligibility and fees
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Eligibility

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:
  • With effect from 1 January 2024:
    • Principal card: S$196.20^ 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
  • FREE for first card
  • S$98.10^ for subsequent 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.

Eligibility:
Age: 21 years and above

Singaporean/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:
  • With effect from 1 January 2024:
    • Principal card: S$414.20^ 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
  • FREE for first 2 cards
  • S$196.20^ for subsequent 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 Lady's Solitaire Card, your existing UOB Lady's Card, if any, will be automatically upgraded upon approval of your application. T&Cs apply.

Eligibility:
Female only
Age: 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 2024:
    • Principal card: S$18.34* 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).

Terms and conditions:

  • **For full terms and conditions governing the UOB Debit Card 10% Cashback Promotion, click here.
  • View full UOB Lady's Debit Card Terms and conditions here.

Applying for your credit card is now faster, simpler and more secure when you apply via UOB Personal Internet Banking or Singpass (MyInfo) - no more endless fields to fill in and documents to upload. Complete your application journey within minutes!

 

What’s more, you can digitize your card to enjoy convenience of mobile contactless payment when you receive your card!

 

Click here to find out more common FAQs about your credit card

 

Click here to find out more about digital banking solutions

W.e.f 1 January 2024, the UOB Lady’s Card, UOB Lady’s Solitaire Card and UOB Lady’s Debit Card annual fee will be adjusted to S$196.20, S$414.20 and S$18.34 respectively (inclusive of 9% 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

1Earn 15X UNI$ for every S$5 spent (equivalent to 6 miles per S$1) on your preferred rewards category(ies):

 

No minimum spend required. Register via uob.com.sg/ladys-enrol and select up to 2 preferred rewards category(ies) for which you will earn 15X UNI$ per S$5 spent in each calendar month. This comprises a base earn rate of UNI$1 for every S$5 spent, a bonus earn rate of 9X UNI$ for every S$5 spent (“Bonus UNI$”) and an additional 5X UNI$ for every S$5 spent on your selected preferred rewards category(ies) (“Additional Bonus UNI$”). The maximum aggregate amount of Bonus UNI$ and Additional Bonus UNI$ you can earn in a calendar month is capped at (a) 2,800 UNI$ which is equivalent to S$1,000 spent, if you are a UOB Lady’s Classic Card, UOB Lady’s Platinum Card or UOB Lady’s World Mastercard Cardmember; or (b) 8,400 UNI$ which is equivalent to S$3,000 spent if you are a UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card Cardmember#. UNI$ can be converted into air miles at the conversion rate of UNI$1 = 2 miles*. Additional Bonus UNI$ is valid from 8 March 2023 to 31 March 2024 (extended from 29 February 2024) only. Full Terms and Conditions apply, click here.

 

#Note: With effect from 1 April 2024, the maximum aggregated amount of Bonus UNI$ you can earn in a calendar month is capped at 3,600 UNI$ (which is equivalent to S$2,000 spent) if you are a UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card Cardmember.

 

*Please refer to UOB Rewards Programme Terms and Conditions here.

 

If you have already selected your preferred categories, and wish to subsequently change your preferred categories, any change will only take effect from the next quarter and the bank will take the last entry of categories for the new quarter Bonus UNI$ and Additional Bonus UNI$ awarding. If you have not selected your preferred categories, your selection will only take effect as of date of enrolment.



*Up to S$548 worth of Cash Credit comprises of 1) S$350 Cash Credit, AND/OR 2) S$68 Cash Credit or S$28 Cash Credit and 3) up to S$130 Cash Credit:

 

1) S$350 Cash Credit (UOB Credit Card Acquisition Promotion):
The first 200 new-to-UOB credit card customers who successfully apply for an eligible UOB Credit Card between 1 March 2024 and 31 March 2024 (both dates inclusive) and spend a min. of S$1,000 per month for 2 consecutive months from their card approval date, will receive S$350 cash credit. Click here for full terms and conditions. 

 

2) S$68 Cash Credit or S$28 Cash Credit:

2a) S$68 cash credit will be awarded to the first 200 New-to-UOB Deposit participants in each calendar month (i) who submit an online account opening application between 1 January to 31 March 2024 for a new UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account or UOB One Account, (ii) whose application is successfully approved by 31 March 2024, and (iii) deposit min. S$5,000 of fresh funds into their new UOB account during the account opening month, and (iv) hold the deposited fresh funds till the end of the following calendar month.

 

OR

 

2b) S$28 cash credit will be awarded to the first 200 Existing-UOB-Deposit customers per calendar month who meet (i) to (iv) mentioned in (a) above. 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 month-end balance of all other UOB current accounts and/or savings accounts before your account opening month.

 

Full Terms and Conditions governing UOB Online Account Opening Promotion (1 January to 31 March 2024) apply.

 

And

 

3) S$130 cash credit is for customers who have successfully submitted an online participation form available at UOB Singapore website to participate in the UOB SalaryPlus  Promotion (1 January 2024 to 31 March 2024):

S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of at least S$30 per transaction from an eligible UOB Account via GIRO (with the transaction description “GIRO-Inward Debit”) within the next two calendar months from the date of submission of the  online participation form.

 

S$50 Salary Cash Reward for customers who successfully credit monthly salary of at least S$1,600 into an eligible UOB Account via GIRO or PayNow (with the transaction description “GIRO-SALA” or “PAYNOW SALA” respectively) within the next two calendar months from the date of submission of the online participation form. Full-time National Serviceman (NSF) customers must successfully credit a monthly salary or allowance of at least S$500.

 

S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends (at least S$50) into an eligible UOB Account via Direct Credit Service within the next six calendar months from the date of submission of the online participation form (with the transaction description “CDP Dividend”).

 

Eligible UOB savings account: UOB Passbook Savings Account, UOB Uniplus Account, UOB Stash Account, UOB One Account, UOB Lady’s Savings Account or KrisFlyer UOB Account.

 

Full Terms and Conditions governing UOB SalaryPlus Promotion (1 January 2024 to 31 March 2024)  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 UOB Debit Card Online and FX Fee Promotion, please click here.
Terms and Conditions governing the UOB Debit Card S$20 GrabFood Voucher Promotion, please click here.
Terms and Conditions governing the UOB Debit Card S$40 GrabFood Voucher Promotion, please click here.
Terms and Conditions governing the UOB Debit Card 50% off Streaming Services Promotion, please click here.

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.

Get up to S$548 Cash Credit when you apply! T&Cs apply.*

Get up to S$548 Cash Credit when you apply! T&Cs apply.*

    UOB Lady’s Card + Lady’s Savings Account

    UOB Lady’s Card + Lady’s Savings Account

    Receive free female cancer coverage of up to S$200,000 and more.

    Protect

    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

    Dental privileges
    Enjoy specially curated dental treatments.

    Promotion

    Promotion
    Enjoy more privileges when you pair the UOB Lady’s Savings Account with UOB Lady’s Card. Visit go.uob.com/online-exclusive for the latest sign-up offer!

    UOB Lady’s Card + UOB One Account

    UOB Lady’s Card + UOB One Account

    Earn higher interest on your savings with One Account – up to 7.8% p.a. in just two steps

    Skip to the good part with UOB One Account. Get up to 7.8% 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 go.uob.com/online-exclusive for the latest sign-up offer!

    Frequently asked questions

    1. What are the Preferred Rewards Categories available for selection?
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    Lady’s Card Cardmember may choose one (1) preferred rewards category only;
    Lady’s Solitaire Cardmember may choose up to two (2) preferred rewards categories.

    Choice of Rewards Category(ies):

    Category Table

    You may visit uob.com.sg/ladys-enrol to select your preferred rewards category(ies).

    For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).

    You may choose or change your preferred rewards category(ies) anytime within current quarter. It has to be made by 2359 hours (Singapore time) before the first calendar date of the following calendar quarter.

    Please refer to the calendar quarters here:

    Yes. If you have already chosen your preferred categories, and wish to subsequently change your preferred categories, you may visit uob.com.sg/ladys-enrol to update your preferred rewards category(ies). Please be informed that any change will only take effect from the next calendar quarter. Bonus UNI$ and Additional Bonus UNI$ will be awarded based on the preferred categories chosen for that quarter. If you have chosen your preferred categories multiple times, the bank will take the last entry of your chosen preferred categories to take effect the next calendar quarter.

     

    If you have not chosen your preferred categories, your first choice will take effect as of date of choice.

     

    First entry: Takes effect as of date of category chosen

     

    Subsequent entries: Takes effect the next calendar quarter and the bank will take the last entry of category(ies) for the new quarter

    No, you do not need to choose your preferred rewards 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.

    Please refer to the calendar quarters here:

    Yes, as long as you have chosen before the start of the next new calendar quarter. The bank will take the last entry chosen before the start of the new quarter to determine that preferred category(ies) choice of the new quarter.

    For illustration purpose only, for UOB Lady’s Platinum Cardmembers:

    15 April: Selected “Fashion” category.

    21 June: Selected “Dining” category.

    ➔ Category for Quarter July – Sept will be effected as “Dining” as UOB Lady’s Platinum Cardmembers may choose one (1) preferred rewards category only.

     

    For illustration purpose only, for UOB Lady’s Solitaire Cardmembers:

    15 April: Chose “Fashion” and “Dining” categories.

    21 June: Chose “Travel” and “Entertainment” categories.

    ➔ Categories for Quarter July – Sept will be effected as “Travel” and “Entertainment” as UOB Lady’s Solitaire Cardmembers may choose up to two (2) preferred rewards categories.

    Yes. The maximum spend cap of S$3000 is shared among the two preferred rewards categories of your choice.

    If you would prefer to choose only one preferred rewards category, it means you will only be able to earn the bonus 14X UNI$ for that category. However, you will still continue to earn a base of UNI$1 for every S$5 spent on your UOB Lady’s Card.

    Note: With effect from 1 April 2024, the maximum spend cap for your UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card will be revised to S$2,000.

    Please visit uob.com.sg/ladys-enrol to choose TWO (2) of your preferred rewards categories. This will take effect the next calendar quarter. However, you may start enjoying the higher cap of S$3,000 spend based on your existing chosen ONE (1) preferred rewards category in the calendar month of your card upgrade.

    Click here for full FAQ

    Explore more with UOB card privileges

    Explore more with UOB card privileges

    Other useful links

    UOB Cardmembers’ Agreement
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    Click here for a copy of the UOB Cardmembers’ Agreement.

    Click here for a copy of the UOB Debit Cardmembers’ Agreement.

    Click here for general information on UOB Credit Cards.

    Click here for a copy of the UOB Debit Card Fees and Charges.

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