UOB Lady's Card Review

Get shopping, beauty and dining benefits with the UOB Lady's Card.

If you’re a woman that loves shopping, you can be rewarded for doing so with the UOB Lady's Card. It lets you earn points as you spend – locally and overseas – in up to seven categories. Your points can be redeemed on air miles or vouchers. Plus, get cash rebates along with a range of exclusive benefits on dining, beauty and fashion shopping.

Read on to find out what you need to know about the UOB Lady's Card, and see if it’s the right credit card for you.

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$0 annual fee for 1 year - $192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameUOB Lady's Card
RewardEarn 10X UNI$ (or 20 miles) per $5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
Effective Interest Rate26.9%
Interest Free PeriodUp to 21 days
Minimum Monthly Repayment3% of current balance or $50, whichever is higher, plus any overdue amounts

Review by

James Martin is a senior writer at Finder. He has written on a range of finance and business topics for over five years and his work has been featured in publications including The Irish Times, Companies 100, In Business and Q Magazine (UK). As a trained journalist, James can drill into the finer details of financial products to help you save time and money. In his spare time, James is a committed sports fan, novel reader and Thai food enthusiast.

Expert review

The UOB Lady's Card is a rewards card that’s particularly strong when it comes to flexibility. You can swap your selected categories up to four times per year, so you can keep maximising the card’s rewards if your spending changes in the future. What’s more, you can rack up points by spending in-person and online around the globe. In Singapore this includes brands such as Shell and Cathay Cineplexes. There’s also the chance to get 0% interest if you buy larger items upfront and pay off the amount you’ve spent without accruing interest – for as many as 12 months.

Benefits of the UOB Lady's Card

  • Sign-up offer. Receive $250 Grab vouchers and up to $100 cash credit when you apply and spend a minimum of $1,500 within 30 days from card approval date. T&Cs apply. Ends 30 Sep 2022.
  • Earn UNI$ points. Get Earn 10X UNI$ (or 20 miles) per $5 spent on a chosen spending category with no min. spend required, and 1X UNI$ (or 2 miles) on other purchases.
  • 0% interest on purchases. LuxePay lets you spread the cost of more expensive shopping items (costing over $500) without paying any interest for six or 12 months.
  • Interest on savings. By linking your credit card with your UOB One Account, you can get up to 2.50% in interest each year.
  • e-Commerce protection. Feel assured that your online purchases will be protected in the event of missed deliveries or damaged items.

Features of the UOB Lady's Card

  • Annual fee. There’s a first year card fee waiver. After this, the annual fee is $192.60 for principal cardholders. First supplementary card is free and $96.30 for subsequent cards.
  • Categories. You’ll have the freedom to change your chosen categories each quarter. Choose between: Travel, Beauty & Wellness, Dining, Family, Fashion, Transport and Entertainment.

Application criteria

  • Singaporean citizens or Permanent Residents (PRs) must earn at least $30,000 per year, or have a Fixed Deposit collateral of at least $10,000.
  • Foreigner nationals: must have a minimum income of $40,000 per year.
  • 21 years of age or above.

Required information/documents

  • Singaporeans and PRs should provide a National Registration Identity Card (NRIC) for each principal and supplementary card applicant.
  • Salaried employees also must supply either a computerised payslip for the past three months, their latest 12-month Central Provident Fund (CPF) contribution statement or a latest Income Tax Notice of Assessment and computerised payslip.
  • Commission-based employees should also supply either their latest 12 months’ CPF contribution statement, latest Income Tax Notice of Assessment and computerised payslip or Income Tax Notices of Assessment for the past two years.
  • Self-employed individuals have to supply Income Tax Notice of Assessments for the past two years.

Foreigners must also provide the following:

  • Employment pass with minimum 6 months’ validity.
  • Photocopy of passport with minimum 6 months’ validity (for principal and supplementary applicants).
  • Proof of local home address through latest billings, such as bills for utilities or phones.

Existing UOB credit card members are required to show their most recent income documents to update their credit limit or if they have new employment circumstances. Be aware that if you have a Lady’s Solitaire Card, it’ll be automatically downgraded upon the approval of your new card.

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