Rewards

The Lady’s Bonus Rewards Programme
Proof that shopping does pay for itself. Spend a minimum of S$2,000 or more on your UOB Lady’s Card to earn up to 100% more UNI$ on your following month’s local spend. The ladies get it, the men don’t.

This table is for illustrative purpose only:

Total Spend in June’s Credit Card Statement	Cardmember qualify for Lady's Bonus Rewards Programme?	Local Spend in July's Credit Card Statement	Percentage of Bonus Rewards	Bonus Rewards Awarded on Local Spend for July’s Credit Card Statement
S$300	No, minimum spend of S$500 not met	S$500	Not Applicable	Not Applicable
S$500 - S$999	Yes	S$700	20% bonus rewards	28
S$1,000 - S$1,999	Yes	S$1,000	50% bonus rewards	100
S$2,000 and above	Yes	S$12,000	100% bonus rewards*	2,000

*Bonus Rewards is awarded for local transactions up to a maximum of S$10,000 per statement month

Terms & Conditions

1.	Eligibility

1.1

The United Overseas Bank Limited ("UOB") UOB Lady's Bonus Rewards Programme (the "Bonus Rewards") is open to holders of UOB Lady's Credit Cards subject to the following terms and conditions.

1.2

Eligibility:


i	"Lady's Credit Card" shall mean UOB Lady's Card, UOB Lady's Platinum Card and UOB Lady's Solitaire Card, which are credit cards issued by UOB.

ii	"Eligible Cardmembers" shall mean Principal Cardmembers of Lady's Credit Card whose credit card account(s) are valid, subsisting and satisfactorily conducted in the opinion of UOB. "Cardmembers" shall mean Eligible Cardmembers and Supplementary Cardmembers. The benefit of all applicable charges incurred by a Supplementary Cardmember in respect of the Bonus Rewards shall accrue to the Eligible Cardmember.

1.3

Notwithstanding anything herein, UOB has the absolute discretion at any time and from time to time to determine the eligibility of any Cardmember and shall not be obliged to give any reason therefor. The following persons shall not be eligible for the Bonus Rewards:

i	Principal Cardmembers whose credit card account(s) is/are terminated at any time during the Qualifying Period (defined below) for any reason by the Cardmember or UOB;

ii	Persons who are of unsound mind, deceased, insolvent or having any legal proceedings of any nature instituted against them;

iii	Principal Cardmembers whose account(s) are delinquent or unsatisfactorily conducted for any reason or as may be determined by UOB in its absolute discretion.

For the avoidance of doubt, termination of a Supplementary Credit Cardmember's account will not by itself disqualify the Eligible Cardmember from the Bonus Rewards.

2.	Qualifying Period

"Qualifying Period" for the Bonus Rewards means the period commencing on 1 June 2010 to 31 December 2010 (both dates inclusive).

3.	Qualifying Spend and Rewards

3.1

To qualify for the Bonus Rewards, the Eligible Cardmember's Lady's Credit Card statement for the credit card statement month immediately preceding ("Preceding Month") the credit card statement month in which the Bonus Rewards is calculated based on ("Reward Month"), must have a minimum outstanding balance of S$500 ("Minimum Spend").

3.2

3.2 "Qualifying Spend" means, local transaction(s) charged to the Cardmember's Lady's Credit Card Reward Month's statement but shall not include the following transactions:

i.	0% IPP transactions, SMART$ transactions, balance and/or funds transfer, annual fees, interest charges, late payment charges, finance charges, cash advance transactions, and other miscellaneous fees and charges; and
ii.	any overseas transaction.

UOB reserves the right at any time in its absolute discretion to amend, vary, delete, add to, the transactions that are not applicable as Qualifying Spend, for any reason whatsoever and without prior notification, and all Cardmembers shall be bound by such amendments or variations.

3.3

In respect of UOB's Generic Rewards Terms & Conditions ("Generic Rewards Terms & Conditions") Cardmembers stand to earn UNI$1 for every S$5 charged to their credit card account ("Existing UNI$ Reward").

3.4

The Bonus Rewards will be calculated as a percentage ("Bonus Rate") based on the amount of Existing UNI$ Reward earned in respect of Qualifying Spend, where such Bonus Rate shall be determined by the amount of Minimum Spend, subject to the maximum Qualifying Spend of S$10,000. The Bonus Rate determined in accordance with the Minimum Spend is as follows:


Minimum Spend	Bonus Rate
at least S$500-00 to less than S$1,000-00	20%
From S$1,000-00 to less than S$2,000-00	50%
From S$2,000-00 and above	100%

3.5

Any Existing UNI$ Reward and Bonus Reward due to a Supplementary Cardmember will be credited to the Eligible Cardmember and is only applicable for use by the Eligible Cardmember.

3.6

Any Existing UNI$ Reward and Bonus Rewards will be credited to the Eligible Cardmember's Lady's Credit Card account and will appear in the Eligible Cardmember's credit card statement in the month following the Reward Month or any other day as determined by UOB at its absolute discretion and without prior notice.

4.	General

4.1	The Generic Rewards Terms & Conditions shall apply to all Existing UNI$ Reward and Bonus Rewards including but not limited to the calculation and/or use and/or redemption of any Existing UNI$ Reward and Bonus Rewards.

4.2	UOB reserves the right to revoke and/or deduct and/or re-compute any UNI$ (in respect of both the Existing UNI$ Reward and Bonus Rewards) earned to the credit card account in its sole discretion in the event that the Cardmembers fail to effect due payment for the Card transactions.

4.3	In the event of any inconsistency or discrepancies between these terms and conditions and any brochure, marketing or promotional material relating to the Bonus Rewards, these terms and conditions will prevail.