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UOB Lady's Card
UOB Lady's Card
Up to 10 Miles per S$1 spent
Live the life you want. You can choose your preferred up to 25X UNI$ (10 miles per S$1) rewards category: Travel, Dining, Beauty & Wellness, Family, Fashion, Transport, Entertainment, with no minimum spend. Feel free to change your preferred category every quarter.
- S$5 = Up to 9X UNI$ (equivalent to 3.6 miles per S$1)
- on up to One Rewards Category
- S$5 = 1X UNI$ (or 2 miles)
- on All Other Spend
- 1 UNI$ = 2 Miles
- Rewards to Miles Conversion, no min. spend
All Details
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UOB Lady’s Card Benefits 2024
Formerly recognised for its iconic slogan "The men don't get it," the UOB Lady's Card was renowned for offering exclusive perks solely to female UOB cardholders. However, following its recent overhaul in 2023, the UOB Lady's Card has transitioned to an inclusive offering, welcoming both women and men.
Consequently, it has emerged as one of Singapore's premier rewards credit cards. This revamped card presents an opportunity to earn up to 6 miles per dollar on spending in a selected category. Additionally, it provides valuable benefits such as complimentary e-Commerce protection for online purchases and coverage for female cancer when paired with the UOB Lady's Savings Account, subject to bank's terms and conditions. Let's delve into the enhanced features of the UOB Lady's Card and explore its array of benefits.
Consequently, it has emerged as one of Singapore's premier rewards credit cards. This revamped card presents an opportunity to earn up to 6 miles per dollar on spending in a selected category. Additionally, it provides valuable benefits such as complimentary e-Commerce protection for online purchases and coverage for female cancer when paired with the UOB Lady's Savings Account, subject to bank's terms and conditions. Let's delve into the enhanced features of the UOB Lady's Card and explore its array of benefits.
Pros & Cons Of UOB Lady's Card
Pros
- Up to 10X UNI$ (or 4 miles per S$1) on 7 spending categories including beauty and wellness, dining, entertainment, groceries, fashion, transport, travel
- Up to 25X UNI$ per S$5 spend (or 10 miles per S$1) when card is linked to a UOB Lady’s Savings Account and savings credited into it
- First year waiver of annual fee available
- Exclusive birthday month discounts
- Flexibility to convert UNI$ into air miles at the conversion rate of UNI$1 = 4 miles
- Option to redeem your UNI$ on UOB TMRW to offset bills and purchases for 7 different spending categories every quarter
- Access to dining discounts, shopping offers, travel deals, weekly UOB Coupons, and more within UOB Rewards+ app
- Complimentary travel insurance
Cons
- Interest rate of 27.80%, which is higher than other cashback credit cards in the market
- Annual fee of S$196.20 is payable after the first year (annual fee waiver only valid for first year)
- Rewards points cap of 1,800 UNI$ per month
Compare UOB Lady's Card vs. HSBC Revolution Card vs. SCB Rewards+ Credit Card
The UOB Lady’s card offers the highest reward points/air miles for the widest variety of spending categories i.e. 10X UNI$ (4 miles per S$1) + additional up to 15X UNI$ (6 miles per S$1 only if you save with UOB Lady's Savings Account), but has an annual fee charge, unlike the HSBC Revolution card which does not charge any.
As compared to the HSBC Revolution Card and Standard Chartered Rewards+ Card, it has a stricter cap on rewards points, with a 1,800 UNI$ cap unlike the HSBC Revolution Card that has a cap of 10,000 reward points per month, but is slightly more flexible than Standard Chartered Rewards+ Card’s cap of 20,000 reward points cap per year (which breaks down to about 1,667 reward points per month).
In terms of interest rates, the Standard Chartered Rewards+ Card has the highest — 27..90% p.a. and also has the highest income requirement for foreigners.
In a nutshell, the UOB Lady's Card is great for consistent spenders (both women and men) who know which category to maximise the additional 15X UNI$ (equivalent to 6 miles per S$1), and the benefits of having a UOB Lady’s Savings Account (which is still not available to men yet).
As compared to the HSBC Revolution Card and Standard Chartered Rewards+ Card, it has a stricter cap on rewards points, with a 1,800 UNI$ cap unlike the HSBC Revolution Card that has a cap of 10,000 reward points per month, but is slightly more flexible than Standard Chartered Rewards+ Card’s cap of 20,000 reward points cap per year (which breaks down to about 1,667 reward points per month).
In terms of interest rates, the Standard Chartered Rewards+ Card has the highest — 27..90% p.a. and also has the highest income requirement for foreigners.
In a nutshell, the UOB Lady's Card is great for consistent spenders (both women and men) who know which category to maximise the additional 15X UNI$ (equivalent to 6 miles per S$1), and the benefits of having a UOB Lady’s Savings Account (which is still not available to men yet).
| UOB Lady's Card | HSBC Revolution Card | SCB Rewards+ Credit Card |
|---|---|---|
| Interest rate: 27.80% | Interest rate: 26.90% | Interest rate: 27.90% |
| Annual fee: $196.20 (first year waiver available) | Annual fee: None | Annual fee: $196.20 (first year waiver available) |
| Minimum annual income: $30,000 for Singaporeans and PRs $40,000 for foreigners | Minimum annual income: $30,000 for Singaporeans and PRs $40,000 for foreigners | Minimum annual income: $30,000 for Singaporeans and PRs $60,000 for foreigners |
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Find Out More About The UOB Lady's Card In Our Blog Review!
UOB Lady's Card Application
Here are 3 simple steps to apply for the UOB Lady's Card
Step 1
Apply via MoneySmart’s credit cards page
You may begin your application by clicking on our UOB Lady's card application link.
When you choose to apply online via SingPass MyInfo, UOB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Step 2
Provide all documentation required
You’ll need to provide all the necessary documentation in order for UOB to approve your credit card application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Step 3
Receive your UOB Lady's Card
You’ll be able to activate your UOB Lady's card through UOB TMRW mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your UOB TMRW mobile app!
Frequently Asked Questions About UOB Lady's Card
Are there any fees if I apply for the UOB Lady's card?
- The UOB Lady's card charges an annual fee of $196.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the UOB Lady's card?
- If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB Lady's card, as long as you’re aged between 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).