facebookUOB Lady's Credit Card Ratings Jun 2024

UOB Lady's Credit Card

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Summary

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 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

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
...see more

Summary

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 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

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
...see more

UOB Lady's Card

0.4mpd
LOCAL SPEND
0.4mpd
FOREIGN SPEND
6 mpd on one of seven preferred categories (capped at $1k per month)
ALL SPEND
15X UNI$ per $5 on one category
SELECTED SPEND
2 Miles per UNI$
CONVERSION
$30,000
MINIMUM ANNUAL INCOME

UOB Lady's Card

0.4mpd

LOCAL SPEND

0.4mpd

FOREIGN SPEND

6 mpd on one of seven preferred categories (capped at $1k per month)

ALL SPEND

15X UNI$ per $5 on one category

SELECTED SPEND

2 Miles per UNI$

CONVERSION

$30,000

MINIMUM ANNUAL INCOME

📣 SIGN-UP BONUS

Enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900)!

Valid till 30 Jun 2024. T&Cs apply.

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Reviews (8)

3.8

8 Reviews

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      Posted 23 Aug 2021

      Purchased

      UOB Lady's Card

      My go to miles card for category spend, earning 4mpd. Currently using it for transport, but dining and fashion are good choices too

      0

      What are your thoughts?

      03 May 2021

      Purchased

      UOB Lady's Card

      One of the most flexible cards, since there are 7 different categories of spends one can choose from, and they could be changed quarterly!

      0

      What are your thoughts?

      03 May 2021

      Purchased

      UOB Lady's Card

      [Promotions and Perks] if can have more will be even better ! [Customer Service] perfect and I like it ! [Cashback Card] maybe more is better again ! [Fee Waivers] need to ask then will have !~

      0

      What are your thoughts?

      29 Apr 2021

      Purchased

      UOB Lady's Card

      Been holding to this card for years and my annual fee has always been waived even though i don't spend much on this card. It gives 4MPD too.

      0

      What are your thoughts?

      Posted 20 Nov 2019

      Purchased

      UOB Lady's Card

      This card is a unique identity for lady with pride !! Ease of use, good service and speedy in response to waiver requests as well as more rewards ... keep it up UOB lady’s!!!

      0

      What are your thoughts?

      Posted 05 Jan 2023

      Purchased

      UOB Lady's Card

      I have the UOB Lady's card for 22 years. For years I kept the card to accumulate flight mileage and for the occasional freebies. Largely also because it is the only Lady's card in the market and partly due to the design of the card. Just received the newly designed card today. Totally hate it. The color! gosh. is this the best color to define the independent female? Hope UOB will come up with a new color soon.

      0

      What are your thoughts?

      Posted 11 Nov 2022

      Purchased

      UOB Lady's Card

      One of the oldest card in market.. Signed up in the past because of its card design and marketing for women's use.. But alas over the years it has been a very lousy card in terms of benefits and rewards.. Only reason for keeping it is bc I have it for many years.. Need to spend $5 in order to earn 1 point..

      0

      What are your thoughts?

      Posted 11 Oct 2021

      Purchased

      UOB Lady's Card

      Rates for miles were great but super sneaky policy. My annual spend qualified for fee waiver but instead of charging me the annual fee in my bill, UOB took the liberty to deduct my accumulated miles to pay for fee waiver?!? When I asked for my miles back as I would hv no issues paying for the fee in cash, they refused. & worst part was they didn’t even let me know or asked my to approve the deduction of miles, UOB went ahead to deduct those points and it was only months later when I checked my miles point did I realise a huge deduction was made. What in the world?!? This was the worst customer experience I’ve ever experienced

      0

      What are your thoughts?

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