Pros & cons
Pros
- Pairing your UOB Lady's Card with a UOB Lady's Savings Account allows you to earn up to an additional 15X UNI$ (equivalent to 6 miles per $1) on your preferred rewards category. This means you can accumulate up to 25X UNI$ (10 miles per $1) when combining both.
- Enjoy 0% interest payment plans over 6 or 12 months for luxury purchases
- Choose your preferred rewards category every quarter, allowing you to tailor your rewards to your spending habits
- Access exclusive discounts on ride-hailing, food delivery, online shopping, and more through World Mastercard privileges
- Enjoy complimentary Global Blue membership, which includes automatic tax refunds when shopping abroad, access to VIP lounges in key European cities, and airport fast lanes
- Complimentary e-commerce protection on your online purchases
- Complimentary travel insurance coverage of up to USD100,000 when travel tickets are charged to the card
Cons
- The 10X Rewards are capped at $1,000 spending per month, which might not be ideal for high spenders
- Each air miles redemption incurs a $25 conversion fee, which can add up if you convert frequently.
- While the first year’s fee is waived, subsequent years have an annual fee unless you meet minimum spend requirements.
Who is this card for
The UOB Lady’s Credit Card is perfect for women in Singapore who want rewards that match their lifestyle, whether it’s shopping at Love, Bonito, pampering at beauty salons, dining out, or planning their next getaway. You get to pick a bonus category (like fashion, dining, or travel) and earn up to 10X points on that spend, capped at $1,000 a month—ideal for moderate spenders. It’s also great for miles chasers, customisation lovers, and anyone who wants to make the most of everyday spending. For extra value, pair it with a UOB Lady’s Savings Account to supercharge your rewards.
Compare to other cards
When it comes to personalised rewards, the UOB Lady’s Credit Card takes the lead with its unique ability to let users choose one preferred bonus category, including fashion, dining, travel, beauty, wellness, transport or family, and earn up to 10X UNI$ (equivalent to 4 miles per $1). This makes it ideal for cardholders who want to focus their rewards on specific spending habits. On top of that, pairing the card with a UOB Lady’s Savings Account can boost the earn rate to an impressive 16 miles per $1. However, the 10X rate is capped at $1,000 spend per month, and the annual fee of $196.20 applies from the second year onwards.
The HSBC Revolution Card offers strong value with 10X Reward points (also 4 miles per $1) on a broader range of online categories like dining, shopping, travel and ride-hailing, with no need to select a bonus category. It has no annual fee for life, no conversion fees for transferring points to travel partners, and includes access to 1-for-1 deals via the ENTERTAINER with HSBC app. For users who spend consistently online and want a fuss-free rewards experience without tracking spend caps too closely, this card offers great value and simplicity.
On the other hand, the Citi Rewards Card delivers solid perks for shoppers who frequently spend on fashion, ride-hailing and mobile payments, with 10X Rewards Points on eligible retail and online transactions. A major advantage is that the points never expire, making it perfect for users who want to accumulate rewards for big-ticket redemptions over time. However, it does come with the same $196.20 annual fee as the UOB Lady’s Card, and a slightly higher income requirement of $42,000 for foreigners. While it may not have as many lifestyle-specific perks, it’s a strong contender for long-term value and flexible redemptions.
UOB Lady’s Card
Interest rate: 27.8%
Annual fee: $196.20 (first year waived)
Minimum annual income:
- $30,000 for Singaporeans and PRs
- $40,000 for foreigners
Benefits:
- Up to 10X UNI$ (equivalent to 4 miles per $1) on one chosen category (e.g. fashion, dining, travel, beauty, wellness, transport, or family)
- 0.4 miles per $1 on all other spend
- Change category every quarter to match lifestyle changes
- Pair with UOB Lady’s Savings Account for up to 16 miles per $1
- Complimentary e-commerce protection for online shopping
- 0% LuxePay instalments for luxury items
- Access to exclusive women-centric privileges and wellness perks
HSBC Revolution Credit Card
Interest rate: 27.8%
Annual fee: No annual fee
Minimum annual income:
- $30,000 for Singaporeans and PRs
- $40,000 for foreigners
Benefits:
- 10X Reward points (equivalent to 4 miles per $1) on eligible online dining, shopping, travel, and ride-hailing transactions (capped at $1,000 per calendar month)
- No annual fee for life
- Exclusive 1-for-1 offers via the ENTERTAINER with HSBC app
- Free transfers of Reward points to airline and hotel partners (no conversion fees)
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Citi Rewards Card
Interest rate: 27.8%
Annual fee: $196.20 (first year waived)
Minimum annual income:
- $30,000 for Singaporeans and PRs
- $42,000 for foreigners
Benefits:
- 10X Rewards Points (4 miles per $1) on online and retail shopping, ride-hailing, and fashion purchases
- 1X point (0.4 miles per $1) on all other spend
- Great for mobile payments (Apple Pay, Google Pay, Samsung Pay)
- Points never expire—perfect for those saving for big redemptions
- Redeem for air miles, vouchers, or shopping credits via Citi ThankYou Rewards
- Complimentary travel insurance up to $1 million when full fare is charged to the card
- Access to Citi World Privileges—global discounts on dining, travel, and shopping
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Credit card application
Step 1: Start your application on SingSaver
Click the “Apply Now” button on this page to begin your application. You’ll be redirected to UOB’s official application portal after entering your email address so that we can send you the exclusive rewards details.
Then, to speed things up, log in with your SingPass MyInfo. UOB will automatically retrieve your personal and income details, so you don’t have to fill in everything manually. Most applicants receive a decision within minutes.
Step 2: Submit required documents (if needed)
In some cases, UOB may request additional documents if your MyInfo data is incomplete or if you’re applying as a foreigner, self-employed, or commission-based applicant. These may include:
- Latest computerised payslip or CPF Contribution History Statement (for salaried applicants)
- Income Tax Notice of Assessment (NOA)
- Valid employment pass and passport copy (for foreigners)
- Proof of local address (e.g. utility bill or tenancy agreement)
- Additional supporting documents for self-employed individuals (if applicable)
Step 3: Receive and activate your card
Once approved, your UOB Lady's Credit Card will be mailed to you. You can activate and manage your card using the UOB TMRW app or through UOB Personal Internet Banking.
Step 4: Redeem your SingSaver rewards
After you’ve completed the required minimum spend, follow the instructions in the reward redemption email from SingSaver. Submit your application reference number and any required documents within the stated deadline to claim your exclusive gift.
Credit card application resources
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Frequently asked questions about the UOB Lady’s Card
