UOB Lady's Credit Card

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.

UOB Promo (2 Sep to 30 Sep 2026):

Reward Eligibility:

• Apply for any participating UOB Credit Card
• Approved NTC
• Meet a minimum spend of S$500 within the first month

Promo Mechanics:

• First 2 eligible applicants at 2pm and 10pm will receive S$200 Cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) in place of the base reward.
• Remaining applicants will get S$90 Cash via PayNow

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