UOB Lady's Credit Card

UOB Lady's Credit Card


  • Earn 10x UNI$ per S$5 spent on your preferred category with no minimum spend required.
  • Waived annual fee for the first year.
  • Take advantage of UOB Lady's LuxePay Plan 6 or 12-month installment plan with no interest or processing fees
  • Free e-Commerce protection for online purchases up to USD200.

Pros and cons


  • You may change your preferred spending categories every 3 months.
  • Add your 1st supplementary card at no extra cost.
  • Comes with female cancer coverage of up to S$200,000 sum assured with UOB Lady’s Savings Account+.
  • Get up to 7.8% p.a. interest with UOB One Account+.


  • Exclusive to women.
  • After the initial year, the annual fee will revert to S$194.40 p.a.
  • You can only choose 1 category to boost your reward earnings.

The basics

  • Additional cardholders. The 1st additional card is complimentary. However, if you wish to add more, there will be a S$97.20 fee per card.
  • Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are allowed with the UOB Lady's Credit Card.

Rewards and benefits

  • Complimentary travel insurance. The UOB Lady's Credit Card does not come with complimentary international travel insurance.
  • Concierge services. The UOB Lady's Credit Card does not include concierge service
  • Insurances. This card comes with e-commerce protection for your online purchases.
  • Rewards points. UOB Lady's Credit Card allows you to earn up to 10x UNI$ (or 20 miles) per S$5 spent on your preferred category with no min. spend. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport, and Travel, which you can change every 3 months based on your spending habit.
  • Sign-up bonus. UOB offers a sign-up bonus worth up to S$460 on this card.

Rates and fees

  • Annual fee. This card comes with an ongoing annual fee of $194.40 but is waived for the first year.
  • Balance transfers. This credit card does not have a balance transfer offer at the moment.
  • Cash advances. Cash advances on this card will be charged interest at the rate of 28% p.a., with interest accruing immediately from the day of the transaction. UOB will charge a one-off fee of 6% or S$15 (whichever is higher) for cash advances made with this card.
  • Foreign exchange fee. This card will incur a 3.25% foreign transaction fee for any purchases made online or overseas in a foreign currency.
  • Interest-free period. With the UOB Lady's Credit Card, you will get an interest-free period of up to 21 days on purchases as long as you have paid off your previous balance or made the minimum required payments.
  • Purchases. There is currently no introductory offer on purchases for the UOB Lady's Credit Card. All purchases made with this card will be charged interest at the rate of 26.90% p.a.

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