S$5 = 1X UNI$ (or 2 miles)

Base Earn Rate

S$5 = 15X UNI$ (or 30 miles)

Category of Choice

^S$0

Min. Spend

All Details

• Key Features

  • 15X UNI$ (or 30 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 Preferred Category(ies) Spending every quarter.

  • 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

  • Earn up to 7.80% p.a. interest with UOB One Account

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Rewards

Excellent

• Base earn rate: 1 UNI$ (or 2 miles) per S$5 spent

• UNI$1 (or 2 miles) is awarded for every S$5 spend

• Select up to 2 rewards category(ies) to earn Bonus 14X UNI$ (or 28 miles)

• Bonus 15X UNI$ (or 30 miles) is capped at 2,800 UNI$ per calendar month (equivalent to S$1,000 spent per calendar month) for UOB Lady's Card, and capped at 8,400 UNI$ per calendar month (equivalent to $3000 spend per calendar month) for UOB Lady's Solitaire Card

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

• Choose from 7 transaction categories

• Beauty and wellness: Sephora, 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

• 15X UNI$ (or 30 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

• 15X UNI$ (or 30 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 = 6 miles on selected categories, valid for online, in-store, local and overseas spend

• No min. spend, capped at 2,800 UNI$ per calendar month (equivalent to S$1,000 spent per calendar month) for UOB Lady's Card, and capped at 8,400 UNI$ per calendar month (equivalent to $3000 spend per calendar month) for UOB Lady's Solitaire Card

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

Online Shopping

Very Good

• 15X UNI$ (or 30 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

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40
Supplementary Annual Fee	1st Supplementary Card free, $97.20 for subsequent Supplementary Cards
Fee Waiver	1st year fee waiver
Interest Free Period	21 days
Annual Interest Rate	26.90%
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%
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

MoneySmart Promotions

MoneySmart Exclusive
Online Promotion

Product Documents

Promo Terms & Conditions	Check Eligibility