Apply for UOB Lady’s Savings Account now to receive a pair of JBL Live Beam 3 earphones and cash rewards. Find out more
Unstoppable Together
At a glance

Unstoppable Together

A woman is powerful alone but together, we are unstoppable.

At UOB Lady’s, we believe that power comes from supporting one another. That’s why we’re here to empower and celebrate you for all that you are – giving you the confidence to live the life you want.

Whatever your goals may be, we are committed to support you with a suite of products and solutions, and provide personalised insights based on your ever-changing lifestyle, needs and risk appetite to help you save, spend, invest and bank better.

So that you can enjoy the things you love and be unstoppable in everything you do.

UOB Lady’s

UOB Lady’s

Earn up to 25X UNI$ per S$5 spend (10 miles per S$1) with UOB Lady’s Credit Card and Lady’s Savings Account

Earn 10X UNI$ per S$5 spend on up to 2 of your preferred rewards category(ies) with UOB Lady’s Credit Card

Enjoy additional up to 15X UNI$ per S$5 spent on your preferred rewards category(ies) when you save with UOB Lady’s Savings Account

Freedom to choose your preferred rewards category(ies) and change it every quarter

No minimum spend required

An unstoppable pairing that gives you up to 25X UNI$

Here’s how you can earn up to 25X UNI$ per S$5 spend (equiv. to 10 miles per S$1) on your preferred rewards category(ies).

Spend on UOB Lady’s Credit Card

Earn 10X UNI$ for every S$5 spent

(equivalent to 4 miles per S$1) on your preferred rewards category(ies)

+

Save with UOB Lady’s Savings Account

Earn up to additional 15X Lady’s Savings Bonus UNI$ for every S$5 spent

(equivalent to 6 miles per S$1) on your preferred rewards category(ies)

Choose your rewards category(ies) and earn up to 25X UNI$

Be it shopping online or in stores, locally or overseas – Earn up to 25X UNI$ for every S$5 spent (equivalent to 10 miles per S$1) on your preferred rewards category(ies) with no minimum spend required. What's more, have the freedom to change your category(ies) every quarter. T&Cs apply.

Choose your rewards category(ies) and earn up to 25X UNI$

Be it shopping online or in stores, locally or overseas – Earn up to 25X UNI$ for every S$5 spent (equivalent to 10 miles per S$1) on your preferred rewards category(ies) with no minimum spend required. What's more, have the freedom to change your category(ies) every quarter. T&Cs apply.

Lady’s Card and Lady’s Savings Account Calculator

Monthly card spend in preferred rewards category(ies)
Monthly card spend on other purchases
Monthly Average Balance (MAB) of your Lady's Savings Account
You can earn 15X UNI$ per S$5 spend (equiv. 6 miles per S$1) on your preferred rewards category(ies).
ladys card

Lady's Card Bonus 9X UNI$ on preferred rewards category 1,800
Lady's Card Base 1X UNI$ on other purchases 240
Lady's Savings Bonus up to 15X UNI$ on preferred rewards category 1,000
Total UNI$ earned monthly 3,040
Total UNI$ earned in a year
8
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UNI$
Total Miles earned if you convert your accumulated UNI$
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MILES
ladys card

Lady's Card Bonus 9X UNI$ on preferred rewards categories 1,800
Lady's Card Base 1X UNI$ on other purchases 240
Lady's Savings Bonus up to 15X UNI$ on preferred rewards categories 1,000
Total UNI$ earned monthly 3,040
Total UNI$ earned in a year
8
0
1
2
3
8
0
1
2
4
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6
7
9
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UNI$
Total Miles earned if you convert your accumulated UNI$
8
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1
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MILES

Products and services

  • All
  • Spend
  • Save
  • Invest
  • Digital Banking
  • Rewards
UOB Lady’s Card
uob_lady’s_card
Spend

UOB Lady’s Card

Define your rewards for an unstoppable you –  with UOB Lady’s Card. Choose your own rewards category(ies) and change them every quarter as you please.

  • Up to 25X UNI$ per S$5 spend (equivalent to 10 miles per S$1) in up to 2 preferred rewards category(ies) with no minimum spendNEW!
  • UNI$1 per S$5 spent (equivalent to 0.4 miles per S$1) on other purchases
  • 0% LuxePay Interest Free Payment Plan over 6 or 12 months
  • e-Commerce Protection on online purchases
  • Complimentary Travel Insurance coverage of up to USD100,000

    UOB Lady’s Savings Account
    uob_lady’s_savings_account
    Save

    UOB Lady’s Savings Account

    The only savings account that gives you unstoppable rewards

    • Earn up to 25X UNI$ per S$5 spend (equivalent to 10 miles per S$1) on your preferred rewards category(ies) when you save with UOB Lady’s Savings Account and spend on UOB Lady’s Credit CardNEW!
    • Dental and lifestyle privileges
    • Earn up to 10% instant cashback with UOB$ programme for UOB Lady’s Debit Cardholders.

      Wealth on UOB TMRW
      wealth_on_uob_tmrw
      Invest

      Wealth on UOB TMRW

      View and manage all your wealth holdings in one app. Set and track your goals and capture timely investment opportunities with relevant insights.

      • Choose from four expertly curated fund portfolios on UOB TMRW based on your goals and risk appetite
      • Or build your own portfolio from a curated list of over 100 unit trusts

        UOB TMRW
        uob_tmrw
        Digital Banking

        UOB TMRW

        The all-in-one banking app built around you and your needs, offering:

        • AI-driven insights
        • Instant savings account opening
        • SimpleInvest
        • Rewards personalised to you
        Rewards+ you’ll love
        rewards+_you’ll_love
        Rewards

        Rewards+ you’ll love

        Enjoy curated UOB Card deals, cashback and rewards with UOB Rewards+.

        • Singapore's biggest cards rewards programme
        • Personalised deals, cashback and rewards
        • All-in-one place to view, track and redeem

        Compare accounts

        Here are other deals you may like

        Here are other deals you may like

        Things you should know

        UOB Lady’s Card eligibility and fees
        chevron
        Eligibility

        Age: 21 years and above


        Singaporean/PR:

        • Minimum annual income of S$30,000 OR
        • Fixed Deposit collateral of at least S$10,000#


        For Foreigners:

        • Minimum annual income of S$40,000 OR
        • Fixed Deposit collateral of at least S$10,000#


        Documents required: Click here
        Annual fees:
        • With effect from 1 January 2024:
          • Principal card: S$196.20^ yearly
          • First year card fee waiver

        Annual Fee Waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady's Card.

        Supplementary card
        • FREE for first card
        • S$98.10^ for subsequent card

        Terms and conditions:

        ^Inclusive of Singapore's prevailing Goods and Services Tax (GST).
        #Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.

        Note: By applying for a UOB Lady's Card, your existing Lady's Solitaire Card, if any, will be automatically downgraded upon approval of your application. T&Cs apply.

        Eligibility:
        Age: 21 years and above

        Singaporean/PR/Foreigners:
        • Minimum annual income of S$120,000 is required OR
        • Fixed Deposit collateral of at least S$30,000#.


        Documents required: Click here.
        Annual fees:
        • With effect from 1 January 2024:
          • Principal card: S$414.20^ yearly
          • First year card fee waiver

        Annual Fee Waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady's Card.

        Supplementary card
        • FREE for first 2 cards
        • S$196.20^ for subsequent card

        Terms and conditions:

        ^Inclusive of Singapore's prevailing Goods and Services Tax (GST).
        #Terms and conditions apply. Please visit UOB Branches for more information on secured card applications. Supporting documents (NRIC or passport) will be required.

        Note: By applying for a Lady's Solitaire Card, your existing UOB Lady's Card, if any, will be automatically upgraded upon approval of your application. T&Cs apply.

         

        For existing UOB Cardmembers, kindly ensure that your annual income as per the bank’s record has been updated to S$120k p.a. and above before proceeding with your application. If you have not done so, please click here to update your income.

        Eligibility:
        Age: 16 years and above

        Singaporean/PR/ Foreigners:
        • Hold a UOB Savings or Current account
        • No minimum income requirement

        For existing UOB Lady's Debit Cardmembers, you can adjust your Debit Card Mastercard spending limit. If you wish to adjust, click here to find out more.
        Annual fees:
        • With effect from 1 January 2024:
          • Principal card: S$18.34* yearly
          • First 3 years card fee waiver

        • Thereafter, annual fee waiver with at least 12 Mastercard transactions per calendar year.
        • Annual Fee Waiver shall not apply to applicants who have cancelled and reapplied for the same principal UOB Lady's Debit Card.

        *Inclusive of Singapore's prevailing Goods and Services Tax (GST).

        Terms and conditions:

        • **For full terms and conditions governing the UOB Debit Card Grab voucher promotion, click here.
        • View full UOB Lady's Debit Card Terms and conditions here.
        Age
        16 years old and above
        Early Account Closure Fee
        S$30
        Within 6 months from opening
        Fall-below Free
        S$2 if average balance for the month is below S$1,000
        Waived for first 6 months for accounts opened online
        Min. Initial Deposit
        S$1,000

        Applying for your credit card is now faster, simpler and more secure when you apply via UOB Personal Internet Banking or Singpass (MyInfo) - no more endless fields to fill in and documents to upload. Complete your application journey within minutes!

         

        What’s more, you can digitize your card to enjoy convenience of mobile contactless payment when you receive your card!

         

        Click here to find out more common FAQs about your credit card

         

        Click here to find out more about digital banking solutions

        Designed to suit your lifestyle

        Designed by Sunny Chyun UOB Painting of the Year Winner (2017)

        Designed to suit your lifestyle

        Designed by Sunny Chyun UOB Painting of the Year Winner (2017)
        SDIC

        Deposit Insurance Scheme

        Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


        Please refer to UOB Insured Deposit Register for a list of UOB accounts / products that are covered under the Scheme.

        We're here to help