How To Choose Your Rewards Category(ies):
Step 1:
Login to uob.com.sg/ladys-enrol
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.
Things you should know
UOB Lady’s Card eligibility and fees
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:
-
Principal card: S$194.40^ YEARLY
(Wef. 1 Jan 2024, annual fee will be adjusted to S$196.20 inclusive of 9% GST) - 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
(Wef. 1 Jan 2024, annual fee will be adjusted to S$98.10 inclusive of 9% GST) - 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:
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
(Wef. 1 Jan 2024, annual fee will be adjusted to S$414.20 inclusive of 9% GST) - 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
(Wef. 1 Jan 2024, annual fee will be adjusted to S$196.20 inclusive of 9% GST) - 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
(Wef. 1 Jan 2024, annual fee will be adjusted to S$18.34 inclusive of 9% GST) - First 3 years card fee waiver
-
Principal card: S$18.17* yearly
-
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

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
Terms and conditions
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 29 February 2024 only. Full Terms and Conditions apply, click here.
*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$510 worth of Gifts comprises of 1) S$350 Grab Vouchers, AND/OR 2) S$30 cash credit, AND/OR 3a) S$30 Cash Credit AND/OR 3b) S$50 Cash Credit AND/OR 3c) S$50 Cash Credit:
1) S$350 Cash Credit (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 October 2023 and 31 October 2023 (both dates inclusive) and spend a min. of S$1,000 for 2 consecutive months from their card approval date, they will receive S$350 Grab Vouchers. Click here for full terms and conditions.
2) S$30 cash credit is only for the first 200 customers per calendar month:
(i) who submit an online account opening application between 1 October 2023 to 30 December 2023 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 30 December 2023, and
(iii) deposit min. S$5,000 of Fresh Funds into their new UOB account during the calendar month which their new account opening month falls within, and
(iv) hold the deposited Fresh Funds till the end of the following calendar month. For existing UOB Deposit 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 their other UOB current accounts and/or savings accounts month-end balance before their new UOB account opening month. “Fresh Funds” means funds
(a) in the form of non-UOB cheques or non-UOB Cashier’s order;
(b) that are not transferred from any existing UOB current/savings or fixed deposit account; and
(c) that are not withdrawn from any existing current/savings or fixed deposit account and re-deposited (whether part or all of the amounts withdrawn) into the new UOB account at any time between 1 October 2023 to 30 December 2023 (both dates inclusive).
Click here for full terms and conditions.
Eligible Account: UOB Stash Account, UOB Uniplus Account, KrisFlyer UOB Account, UOB Lady’s Saving Account or UOB One Account.
3) Up to 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 October 2023 to 30 December 2023):
3a) S$30 GIRO Payment Cash Reward for customers who successfully perform a bill payment of min. S$30 per transaction from an eligible UOB Account via GIRO within the next two calendar months from the date of submission of the online participation form.
3b) S$50 Salary Cash Reward for customers who successfully credit monthly salary of min. S$1,600 into an eligible UOB Account via GIRO or PayNow 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 min. S$500.
3c) S$50 CDP Credit Cash Reward for customers who successfully credit CDP dividends (min. 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.
Click here for full terms and conditions governing the UOB SalaryPlus Promotion (1 October 2023 to 30 December 2023). .
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.
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 go.uob.com/online-exclusive for the latest sign-up offer!

UOB Lady’s Card + UOB One Account
Earn the highest interest rate ever 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$500 monthly on your UOB Lady’s Card AND credit your salary OR make 3 GIRO transactions monthly.
Promotion
Enjoy more privileges when you pair the UOB One Account with UOB Lady's Card. Visit go.uob.com/online-exclusive for the latest sign-up offer!
Frequently asked questions
1. What are the Preferred Rewards Categories available for selection?
2. Where can I choose my Preferred Rewards Category(ies)?
You may visit uob.com.sg/ladys-enrol to select your preferred rewards category(ies).
For more assistance, you can also reach our Call Centre at 1800 222 2121 (Local) and 6222 2121 (overseas).
3. When can I choose/change upcoming quarter’s Preferred Rewards Category(ies)?
You may choose or change your preferred rewards category(ies) anytime within current quarter. It has to be made by 2359 hours (Singapore time) before the first calendar date of the following calendar quarter.
Please refer to the calendar quarters here:
Quarter | Month |
Quarter 1 | January, February, March |
Quarter 2 | April, May, June |
Quarter 3 | July, August, September |
Quarter 4 | October, November, December |
4. Can I change my Preferred Rewards Category(ies) after I’ve selected them?
Yes. If you have already chosen your preferred categories, and wish to subsequently change your preferred categories, you may visit uob.com.sg/ladys-enrol to update your preferred rewards category(ies). Please be informed that any change will only take effect from the next calendar quarter. Bonus UNI$ 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
5. Do I need to choose my Preferred Rewards Category(ies) every 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:
Quarter | Month |
Quarter 1 | January, February, March |
Quarter 2 | April, May, June |
Quarter 3 | July, August, September |
Quarter 4 | October, November, December |
6. I’ve chosen my category(ies) for the next quarter, can I change them again?
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.
7. Can a Lady’s Solitaire Cardmember choose just one category instead of two?
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.
8. What happens when I upgrade my Lady’s Card to Lady’s Solitaire Card?
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.
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.