This credit card is designed specifically to suit the payments needs of the modern woman while giving her a range of rewards, benefits, and privileges at the same time. Made exclusively available only to women, it gives you UNI$5 for every 5 Singapore dollars you spend at your favourite department stores and cab rides on the island. Also get the same rate of rewards for every S$5 you spend while travelling abroad and when you shop online in foreign currencies. The UOB Lady’s Card also gives you access to exclusive experiences curated only for the elite. You can also get free parking on weekends at many of the local malls, e-Commerce protection to help you shop safely online, instalment payment plans to help you spread out your purchases and manage them better, in addition to getting SMART$ rebates on your daily essential purchases.
|Rewards points on shopping at local departmental stores||UNI$5 for every S$5 spent|
|Rewards points on online shopping in foreign currency||UNI$5 for every S$5 spent|
|Rewards points on overseas spend||UNI$5 for every S$5 spent|
|Rewards points on taxi rides||UNI$5 for every S$5 spent|
|Complimentary travel insurance||This is not applicable.|
Welcome to retail therapy!
The fact that this card gives you rewards when you shop may sound clichéd considering that it has been designed exclusively for women. But clichéd or not, knowing that it gives you 5 UNI$ for every S$5 you spend while shopping at various department stores in Singapore is definitely a welcome fact for the shopper in you.
Not just that, it also rewards you with 5 UNI$ for every S$5 you spend on cab rides on the island. Taking a cab to a departmental store? Both activities just got very rewarding. The card also rewards you at the same rate when you spend on your travels and also when you shop online abroad (on retail spends related to clothes, shoes, bags, etc.). So whether you’re spending in local or foreign currencies, you get rewarded. Retail therapy simply couldn’t get any better. The 5 UNI$ are given as a sum of UNI$4 and an additional UNI$1 for every S$5 you spend on these transactions. These UNI$ are awarded based on a minimum spend of at least S$3,000 on the card during every statement cycle. Also, the maximum number of UNI$ you can accumulate in each statement cycle is limited to 4,000 UNI$.
There may be times when you may want to shop a little more than you usually do. This can result in bills higher than what you anticipated. Instead of paying the whole amount in one shot, you can choose to pay it over a period of time using the LuxePay feature offered by this card. Whenever you buy luxury bags or shoes worth at least $500 or more, you can make use of this facility and pay the amount over a period of 6 or 12 months, whichever is more convenient, at 0% p.a. This breaks down the bill into a number smaller payments, giving you more financial flexibility. You can apply for this facility by filling in the required online form and submitting it to your bank.
When your application for this card gets approved, you will be able to get a supplementary card free for life. If you want a second supplementary card or more, you will have to pay a fee of S$96.30 per card. Any bonus UNI$ that are given on supplementary card spends will be added to those of the principal card.
Going to the mall is fun, but finding a parking spot on crowded weekends and paying for it is definitely not. The UOB Lady’s Card gives you the benefit of getting free parking for 2 hours on weekends at some of the leading malls in Singapore. At Scotts Square, Forum The Shopping Mall, Shaw Centre and Shaw House, and Paragon, you can park for free for up to 2 hours. At most of these places, you have to spend a minimum of S$50 in one receipt on the same day to get this benefit. Other than this, this facility can be used only once per day per card member, and is available only to the first 40 customers every day, who make use of it.
Love eating out? Want to earn rewards while you spend on dining in Singapore? If yes, this card is for you. It gives you discounts and offers at some of the best and swankiest hotels and restaurants on the island. Some of the places that offer dining privileges include W Singapore – Sentosa Cove where you can get a 10% discount on your total bill, Bedrock Bar & Grill which offers a discount of 15% on their a la carte menu (lunch), and many more.
Shopping for your daily needs can become a mundane task after a while. The UOB Lady’s Card makes it a little enjoyable by giving you SMART$ rebates when you purchase daily essentials from popular brands such as Cold Storage, Guardian, Jasons, Market Place, and Giant. Each SMART$ is equal to one Singapore dollar, and you can use the SMART$ you accumulate to get discounts on future bills at these stores.
Get rewarded with UNI$ or SMART$ on your eligible purchases.
Let us consider an example where a person spends across eligible categories listed under the UNI$ Rewards Programme, in a particular month using her UOB Lady’s Card. Let’s assume, this person spends S$200 in a month while shopping at local departmental stores. According to the conversion scale, she would be earning UNI$200 in return for that month. The following table illustrates how you could earn UNI$ and equivalent miles on this card across several categories:
|Spend categories||Monthly spend||UNI$ earned||Equivalent miles|
|Shopping at local departmental stores||S$200||UNI$200||400 miles for Asia or KrisFlyer miles|
|Online shopping in foreign currency||S$200||UNI$200||400 miles for Asia or KrisFlyer miles|
|Overseas spend||S$300||UNI$300||600 miles for Asia or KrisFlyer miles|
|Taxi rides||S$100||UNI$100||200 miles for Asia or KrisFlyer miles|
|Total||S$800||UNI$800||1,600 Asia or KrisFlyer miles|
Get e-Commerce protection when you make a purchase online with your card. The primary benefits of this plan include:
|Type of Interest||Charge|
|Instalment Payment Plan||No interest is charged when you apply for this 6 or 12-month instalment plan|
|Type of charge||charge|
|Annual Fee||S$192.60 (fee waived for the first year)|
|Overseas Transaction Fee||2.8% administrative charge levied on the amount transacted|
|Late Payment Fee||S$90, if you fail to make the minimum payment within the due date for each month|
|Over limit Fee||S$40|
|Cash Advance Fee||6% on the amount for cash advance, subject to a minimum amount of S$15|
|Supplementary Card Fee||S$96.30 p.a. (fee waived for the first card)|
For overseas use, it’s necessary to enable the magnetic stripe on this credit card. You can do it in any of the following ways:
To be eligible for this card, you will need to meet certain criteria set by UOB. Check this page for more information.
In case you lost your card or it was stolen, you must:
Your liability for unauthorised transactions made on the card will be limited to S$100 if:
You need to consider a million things before finalising on a card. We have made your research easier by putting together all Singapore credit card details on one platform.
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How to Enable/Disable Auto Debit & Standing Instructions
GIRO or Bill Pay Service
Use the GIRO form available on the bank’s website to set up automatic card payment arrangement. But if you want to enable UOB’s Bill Pay Service, which lets you combine your monthly bills into one single payment, fill out the payment consent form and send it to the bank. To disable these auto debit instructions, you can get in touch with the bank.
How to Apply for the Card & Check the Application Status
You could also visit the nearest UOB branch to apply. To check the status of your application, you can call the bank’s 24-hour hotline number.
How to Check Balance
UOB Mighty Mobile/Phone Banking or Online Banking
You can see your card balance through phone banking, internet banking, and through UOB’s mobile app.
How Can the Bill Be Paid?
AXS/Cheque/SAM/GIRO and others
Make your card bill payments in any of the following ways:
How Much Is the Minimum Payment to Be Made on the Card?
S$50 or 3% of ongoing statement balance
The least amount you should pay every month would be 3% of the current statement balance, subject to a minimum of S$50. Additionally, you will have to pay any amount due from the previous statements and any amount which you might have borrowed in excess of your card limit.
What Is the Grace Period?
You get a grace (interest-free) period of a maximum of 21 days, starting from the date of the statement. This is subject to you making complete payment of your previous bill.
Which Mobile Wallets Can This Be Used With?
Mighty Pay/Android Pay/PayNow/Samsung Pay/Apple Pay
Use this card with the following mobile wallets to make contactless payments:
Can It Be Used With EZ-Link?
You can use this card to automatically top-up your EZ-link card. Follow these steps to do that:
How to Block or Unblock the Card
Contact the hotline number
To get your card blocked or unblocked, you can get in touch with the bank through their customer support number.
How to Reset the PIN
Using the PIN Change form
You can fill out the PIN change form available on the bank’s website and send it to the bank.
What Is the Billing Cycle and the Bill Due Date?
The billing cycle and the bill due date are mentioned in your card statement. The cycle is usually a period of one month, starting from the date your card was approved by the bank.
How to Temporarily Increase the Limit of the Card
Contact the bank
You can get in touch with the bank to get a temporary increase in your card limit.