Grab a credit card that gives you better rewards & more!

    UOB Lady's Card for Rewards

    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.

    Key Features

    Feature Description
    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.

    UNI$ Make Your Life Better

    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$.

    Payments Made Easier Through LuxePay Installment Plans

    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.

    Get a Free Supplementary Card

    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.

    UOB Lady Card

    Enjoy Free Parking on Weekends

    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.

    Dine in Style

    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.

    SMART$ Rebates Make Daily Shopping More fun

    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.

    Additional benefits

    • Complimentary weekend parking: Get free parking at Forum The Shopping Mall, Scotts Square, [email protected], Paragon, and Shaw Centre and Shaw House. This benefit is subject to a minimum spend amount and a promotional date, which may differ from one participating mall to another.
    • Mastercard Wine Privileges: Get a bottle of wine free on spending a minimum amount at participating restaurants.
    • e-Commerce Protection: Get coverage for up to US$200 for online purchases you charge to your card.
    • UOB MasterPass: Shop online and pay conveniently with this digital wallet. This feature is coupled with an enhanced level of security which allows you to store all your payment information at one spot.
    • UOB promotional offers: Get amazing promotional deals with this card from time to time. Check out our UOB credit card promotions page for a comprehensive list of offers.

    Earning Rewards

    Get rewarded with UNI$ or SMART$ on your eligible purchases.

    UOB UNI$ Rewards Programme:

    • Get 5x UNI$ on all you online and overseas shopping spends, reflected as foreign currency transactions.
    • This rewards programme also applies to grocery shopping and taxi rides.
    • Qualify for this programme by spending a minimum amount of S$3,000 and a maximum sum of S$5,000 per month.
    • Additional UNI$ earned on the supplementary card shall be credited to the primary cardholder’s account.

    UOB SMART$ Rebate Programme:

    • Get SMART$ rebates at several participating outlets such as Cathay Cineplexes, Shell, and World of Sports.
    • Get SMART$ when you purchase daily essentials at more than 900 outlets including Giant, Jasons, Cold Storage, Market Place, Guardian, and more.
    • SMART$1 is equal to S$1.
    • Redeem the SMART$ earned to offset future purchases and save more.

    Calculate Miles from UOB Lady's Card

    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

    Redeeming your Earned Rewards

    • UNI$:
      • Redeem your earned UNI$ for shopping vouchers, air miles (Asia Miles or KrisFlyer miles), or other gits.
      • Redeem your earned points by:
        • Visiting the Island of Rewards webpage for redemption of Instant Rewards.
        • By calling the bank.
    • SMART$:
      • Redeem your earned SMART$ points online or at the various participating outlets.
      • SMART$ earned can be redeemed across various categories such as shopping, dining, groceries, leisure, petrol, and more.
      • These rebates can be used to offset your future expenses.

    Complimentary Insurance Coverage

    Get e-Commerce protection when you make a purchase online with your card. The primary benefits of this plan include:

    • A coverage of up to US$200 for all eligible online transactions.
    • Purchase protection if the item purchased isn’t delivered to you within 30 days of the date scheduled.
    • Protection in cases involving the delivery of wrong items or incomplete delivery.
    • Protection against physical damage of the commodity delivered.

    UOB Lady's Card Interest rates

    Type of Interest Charge
    Retail Purchases
    • The rate of interest charged stands at 25.90% p.a.
    • An additional 3% p.a. interest rate will be charged, if there’s any unpaid amount or you have failed to make minimum payment by the due date
    Cash Advance
    • An interest rate of 28% p.a. is applicable
    • This is calculated everyday, starting from the date of cash advance and extending until the date outstanding amount is paid completely
    Instalment Payment Plan No interest is charged when you apply for this 6 or 12-month instalment plan

    UOB Lady's Card Fee and Charges

    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)

    Activating the card for overseas expenses

    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:

    • Call the 24/7 hotline.
    • Visit the nearest UOB ATM.
    • Directly walk in to the nearest UOB branch.
    • Download the card activation form, fill it up, and mail it to the bank.

    Instalment Payment Plans Available

    • Convert a big-ticket purchase into small and manageable monthly installments with the Lady’s LuxePay Plan, an instalment payment plan offered by UOB.
    • Spread your payment over 6 or 12 equal monthly instalments.
    • No interest will be charged if you settle your monthly instalments in full.
    • Make a minimum purchase of S$500 to qualify for the plan.
    • This plan will be applicable on all your online, local, and overseas spends.
    • Make sure that your card account is in good standing at the time of application.
    • An administrative fee of S$100 will be charged in cases involving early repayment of the cancellation of the plan.

    Cash Withdrawal on the Credit Card

    • Withdraw cash up to 75% of your available credit limit with your card.
    • Minimum amount per withdrawal stands at S$200 a day.
    • Maximum amount per withdrawal stands at S$3,000 a day.
    • Withdraw cash:
      • By visiting an ATM.
      • By sending an SMS.
      • By calling the bank.

    Eligibility Criteria

    To be eligible for this card, you will need to meet certain criteria set by UOB. Check this page for more information.

    Lost/Stolen cards

    In case you lost your card or it was stolen, you must:

    • Notify the bank as soon as possible by calling the bank’s hotline.
    • Submit a statutory declaration in the form of a police report, if the bank asks for it.

    Your liability for unauthorised transactions made on the card will be limited to S$100 if:

    • It has been established that you were not involved in the fraud.
    • You didn’t act negligently.
    • You have cooperated with the bank.

    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.

    Credit Card Tips


    UOB Preferred Platinum Visa Card UOB Preferred Platinum Visa Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who love to shop What You Get: 10UNI$ for online spends
    Show Me Details


    Standard Chartered Platinum Mastercard Credit Card Standard Chartered Platinum Mastercard Credit Card
    Annual Fee: S$192.60 (3-year waiver) Who Is It For: Who have Mastercard Debit Card What You Get: S$1 spent = 1 Rewards point
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    DBS Woman's World Card DBS Woman's World Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Women What You Get: Up to 10x DBS Points
    Show Me Details

    What Else Do I Need to Know?

    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

    Online banking/website/SMS

    • If you are an existing credit card customer, you can apply for it through an SMS.
    • If you are an existing internet banking customer, you can save your time by using your existing details with the bank.
    • If you are a new customer/foreigner, you can fill out the application form online and submit it along with the supporting documents.

    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:

    • ATM
    • Cheque
    • iNETS Kiosks
    • Interbank GIRO
    • Phone banking
    • Internet banking
    • SAM and AXS machines
    • Cash at a CDM or at branch

    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?

    21 days

    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:

    • PayNow
    • Apple Pay
    • Samsung Pay
    • Android Pay
    • UOB Mighty Pay

    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:

    • Download and fill out the form from the bank’s website.
    • Enter details of the EZ-link card that you wish to link it with.
    • Submit the form.

    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.

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