Accelerate your rewards as you save
Earn up to 25X UNI$ (10 miles per S$1)NEW! when you pair your UOB Lady’s Savings Account with UOB Lady’s Credit Card. Plus, enjoy free female cancer coverage as you save.
An unstoppable pairing that gives you up to 25X UNI$NEW!
Spend on UOB Lady’s Credit Card
![](/assets/web-resources/personal/images/highlights/solutions/for-the-ladies/col-card-image-or-seperator/ladys-card.jpg)
Earn 10X UNI$ for every S$5 spent
(equivalent to 4 miles per S$1) on your preferred rewards category(ies)
+
Save with UOB Lady’s Savings Account
![](/assets/web-resources/personal/images/highlights/solutions/for-the-ladies/col-card-image-or-seperator/save.jpg)
Earn up to additional 15X Lady’s Savings Bonus UNI$ for every S$5 spent
(equivalent to 6 miles per S$1) on your preferred rewards category(ies)
Here’s how your UNI$ rewards add up when you save and spend
The total Bonus UNI$ earned is based on your UOB Lady’s Savings Account Monthly Average Balance (MAB)
in each calendar month. The more you save, the more UNI$ earned!
When you spend on your Preferred Rewards Category(ies) with your Lady’s Credit Card with no min. spend | When you save with Lady’s Savings Account and spend on your Preferred Rewards Category(ies) with your Lady’s Credit Card | Total UNI$ earned for every S$5 spend in a calendar month | |
Lady’s Savings Account Monthly Average Balance (MAB) | Lady’s Savings Bonus UNI$ earned [for every S$5 spend] |
||
Base + Bonus UNI$: 10X For every S$5 spend |
< S$10,000 | - | 10X UNI$ (4 miles per S$1) |
S$10,000 to S$49,999 | 5X UNI$ | 15X UNI$ (6 miles per S$1) |
|
S$50,000 to S$99,999 | 10X UNI$ | 20X UNI$ (8 miles per S$1) |
|
S$100,000 & above | 15X UNI$ | 25X UNI$ (10 miIes per S$1) |
Illustration:
Jasmine maintains S$50,000 MAB in her UOB Lady's Savings Account and spends S$800 on her preferred rewards category with her UOB Lady’s Credit Card in a calendar month.
She'll be able to accumulate 3,200 UNI$ in a month. Here’s the breakdown:
Base UNI$: S$800 / every S$5 spent X 1X UNI$ = 160 UNI$
Bonus UNI$: S$800 / every S$5 spent X 9X UNI$ = 1,440 UNI$
Lady’s Savings Bonus UNI$: S$800 / every S$5 spent X 10X UNI$ = 1,600 UNI$
If she maintains the MAB and spending for 12 months, she’ll be able to earn 38,400 UNI$ in a year!
She can choose to convert the UNI$ into 76,800 KrisFlyer miles.
With this, she could redeem a round-trip business class ticket to Hong Kong within a year!
Alternatively, she can also choose to redeem her UNI$ for rewards across the wide selection of dine, shop and travel merchants on Rewards+.
Lady’s Card and Lady’s Savings Account Calculator
![ladys card](/assets/web-resources/personal/ladys-card-calculator/img/basic.png)
Details
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 |
![ladys card](/assets/web-resources/personal/ladys-card-calculator/img/solitaire.png)
Details
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 |
Savings that provide cancer coverage for women
Breast | Cervix Uteri | Uterus | Fallopian Tube | Vagina/Vulva | Ovary
Here’s how much coverage you can get:
For example:
If you hold a monthly average balance of S$60,000 in your UOB Lady’s Savings Account over the last 3 months, you will receive S$75,000 guaranteed female cancer coverage.
If you hold a monthly average balance of S$80,000 in your UOB Lady’s Savings Account over last 3 months, you will receive S$100,000 guaranteed female cancer coverage.
Tip: You can check how much coverage you will get via UOB Personal Internet Banking and UOB TMRW app.
Pair your UOB Lady’s Savings Account with the UOB Lady's Card
![](/assets/web-resources/personal/images/save/savings-accounts/ladys-savings-account/ladys-savings-ladys-card.jpg)
UOB Lady’s Savings Account with UOB Lady’s Card
Up to 25X UNI$ for every S$5 spent (10 miles per S$1) on your preferred rewards category
- 10X UNI$ per S$5 spent (4 miles per S$1) with no min. spend on your UOB Lady’s Credit Card
- Up to additional 15X UNI$ per S$5 spent (6 miles per S$1) when you save with UOB Lady’s Savings Account
- Choose from Travel, Dining, Fashion, Beauty & Wellness, Family, Entertainment and Transport
- UNI$1 per S$5 spent (0.4 miles per S$1) on other purchases
- 0% LuxePay
Interest Free Payment Plan over 6 or 12 months - e-Commerce Protection on online purchases
T&Cs apply.
![](/assets/web-resources/personal/images/save/savings-accounts/ladys-savings-account/savings-acc-ladys-solitaire-card.jpg)
UOB Lady’s Savings Account with UOB Lady's Solitaire Card
Up to 25X UNI$ for every S$5 spent (10 miles per S$1) on two of your preferred rewards categories
- 10X UNI$ per S$5 spent (4 miles per S$1) with no min. spend on your UOB Lady’s Credit Card
- Up to additional 15X UNI$ per S$5 spent (6 miles per S$1) when you save with UOB Lady’s Savings Account
- Choose from Travel, Dining, Fashion, Beauty & Wellness, Family, Entertainment and Transport
- UNI$1 per S$5 spent (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
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.
Promotion
![](/assets/web-resources/personal/images/save/promo/nation-savings-944x664.jpg)
Building a Nation of Savers
We are committed to helping you reach your savings goals! Grow your savings with us and get up to
S$1,460 cash. Promotion ends 30 September 2024.
Here’s how to earn up to S$1,100 guaranteed cash:
Step 1: Register your participation
here
by 30 Sep 2024.
Step 2: Deposit a minimum of S$20,000 in new funds
in your eligible UOB savings account. These new funds will be set aside for 5 months and cannot be withdrawn within this period.
Don’t have a UOB savings account? Apply online now and receive up to an additional S$360 bonus cash reward.
Eligible UOB savings account means a UOB One Account, UOB Stash Account, UOB Lady's Savings Account, UOB Passbook Savings Account and UOB Uniplus Account.
NNation of Savers Promotion is only open to Personal Banking, Wealth Banking, Privilege Banking and Privilege Banking Reserve Accountholders. T&Cs apply.
Things you should know
Account eligibility
Age
16 years old and aboveFemale Cancer Benefit Eligibility
(For Female Accountholders only)
Entry Age:Min. 16 years old (age last birthday)
Max. 55 years old (age last birthday)
Female cancer benefit will cease at 64 years old (age last birthday)
Early Account Closure Fee
S$30Within 6 months from opening
Fall-below Free
S$2 if average balance for the month is below S$1,000Waived for first 6 months for accounts opened online
Min. Initial Deposit
S$1,000Learn more about account fees and charges.
UOB Lady’s Card eligibility and fees
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.
UOB Lady’s Solitaire Card eligibility and fees
Eligibility:
Age: 21 years and aboveSingaporean/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.
UOB Lady’s Debit Card eligibility and fees
Eligibility:
Age: 16 years and aboveSingaporean/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).
Actions or Documents required
You can open a savings account online, get approval within minutes and start transacting instantly (where applicable).
How to apply:
- Retrieve with Myinfo using Singpass login – applicable to new to UOB customers, existing to UOB customers and joint applicants
- Personal Internet Banking login details – applicable to existing to UOB customers
- Credit/Debit card number and PIN – applicable to existing to UOB customers applying for single-named account application
For Foreigners and U.S Persons
Please proceed to any UOB Branch for application. You will require:
- Passport
- Proof of Residential Address
- Employment Pass/S Pass/Dependent Pass
Frequently asked questions (FAQs)
Refer to the detailed FAQs below to have your questions answered.
Important notice
UOB Lady's Savings Account Group Cancer Plan ("Plan") is underwritten by Prudential Assurance Company Singapore (Pte) Ltd (Reg. No. 199002477Z.) ("Prudential") and United Overseas Bank Limited ("UOB") is the Master Policyholder of this Plan.
You are recommended to read the FAQ and Terms & Conditions. For more information, please seek advice from a UOB Banker or a qualified financial adviser representative. As this Plan has no savings or investment feature, there is no cash value if the Plan ends or if the Plan is terminated prematurely.
The information contained on this website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this Plan in the FAQ and Terms & Conditions documents which can be obtained from a UOB Banker or a qualified financial adviser representative.
The information contained in this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.
This Plan is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your Plan is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
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$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Please refer to UOB Insured Deposit Register for a list of UOB accounts/products that are covered under the Scheme.
Make banking simpler with these services
Withdraw cash via your phone
With Contactless Cash Withdrawals, you can now travel light and withdraw cash with a quick tap on your phone.
![Make payments simpler](/assets/web-resources/personal/images/save/savings-accounts/ladys-savings-account/digital-transfers.png)
Make payments simpler
Register for PayNow with your mobile number to send and receive money instantly. Use Scan to Pay at more than 25,000 merchant outlets, including hawkers and shops.
![Maximise your rewards](/assets/web-resources/personal/images/save/savings-accounts/ladys-savings-account/shopping.png)
Maximise your rewards
Check your UNI$ balance on UOB TMRW app and redeem your favourite deals. You can use your UNI$ to offset bills and purchases instantly at key utility and e-commerce platforms such as Kris+, SP Utilities App and UOB Apple Rewards store.
Here’s something else you may like
Mighty FX
Satisfy all your foreign currency needs with confidence. Enjoy 24/7 access to 10 major foreign currencies at competitive exchange rates. Plus, save on admin fees for all your foreign currency spends on your UOB Mighty FX Debit Card.