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    UOB Lady's Card for Rewards: Yet to Get Reviews

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    This card is meant exclusively for women and comes with offers such as extra UNI$ on all eligible shopping and taxi rides. Some of its perks are:

    • Free parking for up to 2 hours on weekends at select malls.
    • UNI$5 per S$5 spent on taxi rides and on shopping at departmental stores in Singapore, in foreign currency online, or overseas.
    • A free bottle of wine when dining at select restaurants in Singapore, Hong Kong, and China.
    • SMART$ rebates on everyday grocery shopping.
    • Enjoy a special interest rate of up to 3.33% p.a. if you also have a UOB One Account.

    Best suited to: Women who are looking for a range of shopping-related benefits.

    Key Features

    Feature Description
    Annual Fee S$192.60 (fee waived for the first year)
    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.

    Joining Perks and Signup Bonuses

    Get a limited edition Vivienne Tam clutch if you’re one of the first 500 successful applicants who spends a minimum of S$1,000 on eligible transactions. This offer is valid until 30 April 2018.

    Additional benefits

    • Complimentary weekend parking: Get free parking at Forum The Shopping Mall, Scotts Square, 313@somerset, 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.

    Let Us Illustrate:

    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.

    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

    Other Fee and Charges

    Type of charge charge
    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

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    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?

    Yes

    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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