UOB Lady's Credit Card Reviews 2024

UOB Lady's Card

The UOB Lady's Card is the only credit card for Ladies (and Gentlemen) that now gives you the freedom of choice to define your rewards; from Fashion, Dining, Beauty & Wellness and Family, to Transport, Entertainment and Travel that you can change every quarter, to suit your ever-changing lifestyle and interests.

Singsaver Team Cashback vs Team Airmiles Grand Lucky Draw: Get up to 31x Chances to win a Pair of Return Business Class Tickets to Switzerland, Zurich (worth 320,000 Max Miles)

• Promotion is valid for new and existing Citibank / Standard Chartered / HSBC / American Express / DBS / UOB / Maybank credit cardmembers
• Apply for participating products through SingSaver and fulfil existing eligibility requirements to receive 1 chance in the Grand Lucky Draw

1 lucky winner will receive One Pair of Return Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles)

Includes personal concierge service (provided by Heymax) to help you get the most out of your trip

• Get more chances in the Grand Lucky Draw by completing additional actions:

Receive 1x Chance for every successful application of participating credit cards during the campaign period (14x Chances total)

Receive 1x Bonus Chance if your team wins in the Team Cashback vs Team Airmiles Campaign (7x Chances total)

Receive 10x Bonus Chances if you participate in the Team Cashback vs Team Airmiles Instagram game:

1. Follow @singsaver_sg on Instagram
2. Post a story using the Campaign Instagram Game Filter and tag @singsaver_sg
3. DM your card application reference number (ARN) to us @singsaver_sg

• SingSaver Team Cashback vs Team Airmiles Grand Lucky Draw Campaign runs from 8 May 2024 5:00 PM SGT to 21 May 2024
• Terms and Conditions apply
• Frequently Asked Questions here

Singsaver Team Cashback vs Team Airmiles Campaign: Get 3,000 Bonus Max Miles

• Promotion is valid for new UOB credit cardmembers only
• Apply for the UOB Lady’s Credit Card and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date to qualify for the Team Cashback vs Team Airmiles campaign

Stand a chance to win 3,000 Max Miles on top of existing rewards when Team Airmiles wins

Each successful UOB Lady’s Credit Card application contributes 1 point to Team Airmiles. The total points will be calculated at the end of the round to determine the winning team

• Team Cashback vs Team Airmiles Campaign Round 1 runs from 8 May 2024 5:00 PM SGT to 21 May 2024
• Terms and Conditions apply
• Frequently Asked Questions here

UOB Lady's Card Promotion: Enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900)

• Promotion is valid for new UOB credit card members only
• Be the first 150 applicants of the UOB Lady's Credit Card every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date to be eligible for rewards

Participating restaurants: Rêve, Cure, Art di Daniele Sperindio

• Promotion is valid until 30 June 2024
• Terms and Conditions apply

Card Features & Details

1) Key Features

• Pick from 7 rewards category to earn 10X UNI$ (or 20 miles) for every S$5 spent
• Change your category every quarter
• The ability to use UOB Lady’s LuxePay Plan, a 6 to 12-month instalment plan with no interest rate charged
• Enjoy birthday treats during your birthday month 

2) Benefits

• Features & Benefits:
• Pick from 7 rewards category to earn 10X UNI$ (or 20 miles) for every S$5 spent
• LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favourite luxury apparels
• Complimentary e-Commerce protection on your online purchases
• Enjoy SMART$ rebate on your daily essentials, entertainment and shopping
• Same day delivery upon card approval
• Beauty & Wellness category: Cosmetic stores, drug stores, health & beauty stores 
• Fashion category: Any departmental, retail, store, or website that sells shoes, bags, and clothes as its main product.
• Dining category: Restaurants, fast food restaurants, and online food delivery.
• Family category: Grocery, baby & kids stores.
• Travel Category: Airlines, hotels, and resorts booking as well as duty-free stores. 
• Transport category: Fuel stations, local transportation, and taxi rides.
• Entertainment category: Lounges, cinemas, bars, and Ticketing Servicing Providers. 

UOB Perks and Privileges 

• The Dining Advisor gives you the best restaurants where you can use your UOB card for the best dining deals
• The Travel Insider gives you travel destinations, tips and tricks to make your next getaway the best ever, alongside travel promotions to take full advantage of
• Complimentary travel insurance coverage of up to S$500,000
• ShopUOB gives you deals at retailers such as SHEIN, Sephora and more
• UOB Rewards+ gives you everything from cashback, rewards points and exclusive deals

3) Eligibility

• Age: 21 years old and above
• Citizenship: Singaporeans, PRs and Foreigners
• Minimum annual income:
• S$30,000 for Singaporeans/PRs
• S$40,000 for Foreigners
• Or a fixed deposit collateral of S$10,000

4) Fees & Charges

• Annual principal fee: S$196.20 (first year waivable) (inclusive of GST)
• Supplementary card annual fee: 1st card free, S$97.20 for each subsequent card
• Late payment fees: S$100
• Repayment grace period: Depends on monthly credit card statement
• The minimum payment due will be 3% of current balance or S$50, whichever is higher, plus any overdue amounts
• Cash advance charges: 8% with a minimum fee of S$15
• Overlimit fee: S$40

Frequently Asked Questions

Can you enjoy annual fee waiver for the UOB Lady's Card?

• Yes, the annual fee for the UOB Lady's Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the UOB Lady's Card?

• For spenders with changing needs who enjoy the flexibility of being able to choose their selected category every quarter

What is the minimum income requirement for the UOB Lady's Card?

• Singapore/PR: Minimum Income of S$30,000
• Foreigners: Minimum Income of S$40,000
• Or a fixed deposit collateral of S$10,000