S$5 = 1 Point

Base Earn Rate

S$5 = 10 Points

Category of Choice

^S$0

Min. Spend

All Details

• Key Features

  • 10X UNI$ (or 20 miles) per S$5 spent on your preferred category with no min. spend required. Choose from Beauty & Wellness, Dining, Entertainment, Family, Fashion, Transport and Travel

  • Bonus 2X UNI$** (Total 12X) on Dining from 1-Jul-2020 to 30-Sep-2020

  • 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 USD$200

  • High female cancer coverage of up to S$200,000 sum assured with UOB Lady's Savings Account

  • Up to 3.68% p.a. bonus interest with UOB One Account

0% Instalment

• UOB Lady LuxePay: Apply for a 6 or 12 month installment plan for transactions made online, in-stores, and in departmental stores to shoes and bags retailers worldwide with a minimum spend of S$500

• S$150 Administration fee for card account closure or early repayment applies

Rewards

Excellent

• Base earn rate: 1 UNI$ per S$5 spent

• 10X Points program: Enrol in the program online and choose a spending category to get additional bonus 9 UNI$ points awarded per S$5 spent, totalling to 10 UNI$ effectively

• Bonus UNI$ points capped at 1,800 per calendar month, equivalent to S$1,000 spend per calendar month

• Choose from 7 transaction categories

• Beauty and wellness: Amore Day Spa, Browhaus, Eu Yan Sang, Fitness First, Guardian, kim robinson, Laneige, Sephora, Skin Inc, Strip, Watsons, and more

• Dining: Crystal Jade, Deliveroo, Din Tai Fung, Foodpanda, Haidilao, Imperial Treasure, Long Beach Seafood, Peach Garden, Starbucks, Sushi Tei, and more

• Entertainment: Cathay Cineplexes, Golden Village, Shaw Theatres, Sistic, Zouk, KPO, Indochine, Harry’s, No. 5 Emerald Hill, Party World KTV, and more

• Family: Cold Storage, Don Don Donki, FairPrice, Giant, Meidi-Ya, RedMart, Château de Sable, Petit Bateau, Gingersnaps, and more

• Fashion: Adidas, ASOS, Chanel, Charles & Keith, Isetan, Lazada, Louis Vuitton, Reebonz, Takashimaya, Tangs, Uniqlo, Zara, and more

• Transport: Caltex, Esso, Shell, SPC, Grab, ComfortDelGro Taxi, SMRT Taxi, Premier Taxis, Batam Fast Ferry, Bintan Resort Ferries, and more

• Travel: Agoda, AirAsia, Airbnb, ANA, Cathay Pacific, Emirates, EVA Air, Expedia, Jetstar, Korean Air, Scoot, Singapore AIrlines, and more

• Bonus transaction category can be changed every quarter: Jan to Mar, Apr to Jun, Jul to Sep, Oct to Dec

• UOB UNI$ Rewards points terms and conditions: General exclusions such as payments via AXS, EZ Link, PayPal, YouTrip, and bill payments, instalment plans, cash advance, payments to property, insurance, financial, educational, and governmental transactions will not qualify for UNI$ rewards points

Dining

Good

• 12X Points dining promotion: Existing cardholders who are enrolled into the 10X Points program and have selected dining as their Jul to Sep 2020 bonus rewards category can get additional 2 points per S$5

• Enrol via SMS, by sending: LADYSDINING ‹space› Last 4 alphanumeric digits of your NRIC to 77862. Valid till 30 Sep 2020

Annual Interest Rate and Fees

Annual Principal Fee	S$192.60
Supplementary Annual Fee	S$96.30
Fee Waiver	First year waived
Interest Free Period	21 days
Annual Interest Rate	25.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or S$50, whichever is greater
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	8% of S$15, whichever is greater
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$40,000

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Google Pay
UOB Mighty Pay

Rewards Redemption Documents

Claim Form	Claim Here
Terms and Conditions	Read Now

MoneySmart Promotions

MoneySmart Exclusive

Product Documents

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