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

  • Flexibility to change your category every quarter.

  • Valid for online, in-stores, local and overseas spend.

  • 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

  • Up to 2.5% p.a. bonus interest with UOB One Account

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

• UNI$1 is awarded for every S$5 spend

• Select your category(ies) to earn Bonus 9X UNI$

• Bonus 10X UNI$ points capped at 1,800 per calendar month, equivalent to S$1,000 spent per calendar month

• Convert your UNI$ into air miles at the conversion rate of UNI$1 = 2 miles

• Choose from 7 transaction categories

• Beauty and wellness: Sephore, Browhaus, Clarins, Nars, Strip, Damai Spa, St. Gregory Spa, Spa Esprit, BEATX Studio, bbounce Studio

• 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, Chateau de Sable, Petit Bateau, Gingersnaps, Kiddy Palace, Motherswork, and more

• Fashion: 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 anytime and will take effect 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

Grocery

Very Good

• 10X UNI$ (or 20 miles) per S$5 spent on Family (Grocery + Kidswear) with no min. spend required

• Flexibility to change your category every quarter

• Valid for online, in-stores, local and overseas spend

Entertainment

Very Good

• 10X UNI$ (or 20 miles) per S$5 spent on Entertainment with no min. spend required

• Flexibility to change your category every quarter

• Valid for online, in-stores, local and overseas spend

Air Miles

Very Good

• S$1 = 4 miles on selected categories, valid for online, in-store, local and overseas spend

• No min. spend, capped at 1800 UNI$ (or 3600 miles) per calendar month, which is equivalent to S$1000 spent

• Convert your UNI$ into air miles at the conversion rate of UNI$1 = 2 miles

Dining

Very Good

• 10X UNI$ (or 20 miles) per S$5 spent on Dining with no min. spend required

• Flexibility to change your category every quarter

• Valid for online, in-stores, local and overseas spend

Online Shopping

Very Good

• 10X UNI$ (or 20 miles) per S$5 spent on Fashion with no min. spend required

• Flexibility to change your category every quarter

• Valid for online, in-stores, local and overseas spend

Shopping

Very Good

• 10X UNI$ (or 20 miles) per S$5 spent on Fashion with no min. spend required

• Flexibility to change your category every quarter

• Valid for online, in-stores, local and overseas spend

Buffet Promotion

Very Good

• 1-for-1 hotel buffet promotions including Triple Three at Mandarin Orchard Singapore, Sun's Cafe, Hotel Grand Pacific Singapore, Window on the Park, Holiday Inn Singapore Orchard City Centre, Azur, Crowne Plaza Changi Airport and more

• 10X UNI$ (or 4 miles) per S$5 spent on dining

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
Online Promotion

Product Documents

Promo Terms & Conditions	Check Eligibility