UOB Lady’s Card
The UOB Lady’s Card is ideal for Singaporeans who prioritise lifestyle spending on fashion, dining, or travel.
It allows you to earn up to 10 miles per dollar on both local spend and overseas spend.
Additionally, enjoy features like 0% LuxePay instalment plans, e-Commerce protection, and flexible switching of your rewards categories each quarter.
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Spend category
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Rewards earned
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Base miles earn rate
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1X UNI$ for every S$5 spent (0.4 miles per dollar)
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Rewards category of choice
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Up to 25X UNI$ for every S$5 spent (10 miles per dollar)
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Min. spend
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S$0
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SingSaver’s Offer
Welcome offer comparison
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Provider
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Offer
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SingSaver
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up to S$888 Cash via PayNow or 55,000 MaxMiles by HeyMax (worth S$990) (enough for a round trip to Europe (e.g. Paris, Rome, Madrid)
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UOB Website
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Up to 10 miles per dollar
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Best offer: The SingSaver Flash Deal delivers the highest value with choices like up to S$888 Cash via PayNow or 55,000 MaxMiles by HeyMax (worth S$990) (enough for a round trip to Europe (e.g. Paris, Rome, Madrid), while UOB’s own offer focuses on up to 10 miles per S$1 on selected categories. Enjoy both when you apply via SingSaver.
UOB Lady’s Card at a glance
Air miles
5/5 Stars
- Up to 25X UNI$ for every S$5 spent (10 miles per dollar)
- No min. spend
- Bonus 9X UNI$ and up to 15X Lady's Savings Bonus UNI$ capped at $1,000 spending per month
Rewards
5/5 Stars
- Base miles earn rate: 1X UNI$ for every S$5 spent (equivalent to 0.4 miles per dollar)
- Choose 1 rewards category to earn Bonus 9X UNI$ for every S$5 spent (equivalent to 3.6 miles per dollar)
- Additional up to 15X UNI$ for every S$5 spent (6 miles per dollar) when you save with UOB Lady's Savings Account
- Convert UNI$ into air miles at conversion rate of UNI$1 = 2 miles
- Choose from 7 Rewards Categories
- Fashion: Adidas, Charles & Keith, Louis Vuitton, Uniqlo, ZALORA, ZARA, TANGS, and more
- Beauty and wellness: LAC, Guardian, LANEIGE, Jean Yip, and more
- Dining: Haidilao Hot Pot, Crystal Jade, Din Tai Fung, Imperial Treasure, Ichiban Boshi, and more
- Entertainment: Cathay Cineplexes, Golden Village, Shaw Theatres, Zouk, K.STAR Karaoke, Party World KTV, and more
- Family: Fairprice, Cold Storage, DON DON DONKI, Sheng Siong, Kiddy Palace, and more
- Transport: ComfortDelGro Taxi, Grab, Shell, SMRT, Tada, Esso, Caltex, Bintan Resort Ferries, and more
- Travel: Agoda, AirAsia, Airbnb, ANA, Chan Brothers Travel, Emirates, Singapore Airlines, and more
Overseas spending
5/5 Stars
- Up to 25X UNI$ for every S$5 spent (10 miles per dollar)
- No min. spend
- Convert UNI$ into air miles at conversion rate of UNI$1 = 2 miles
Petrol
5/5 Stars
- Up to 25X UNI$ for every S$5 spent (10 miles per dollar) with no min. spend
Dining
5/5 Stars
- Up to 25X UNI$ for every S$5 spent (10 miles per dollar) with no min. spend
Shopping
5/5 Stars
- Up to 25X UNI$ for every S$5 spent (10 miles per dollar) with no min. spend
Annual interest rate and fees
- Annual principal fee: S$196.20
- Supplementary annual fee: Free for first supplementary card
- Fee waiver: 1-year waiver
- Interest free period: 21 days
- Annual interest rate: 27.8% p.a.
- Late payment fees: S$100
- Minimum monthly repayment: 3% or S$50, whichever is higher
- Foreign currency transaction fee: 3.25%
- 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
UOB Lady’s Card bonus categories (how they work)
The biggest reason people love the UOB Lady’s Card is simple: you get to pick 1 bonus category every quarter based on how you actually spend.
Instead of earning the same miles rate everywhere, you can “focus” your rewards on what you spend most on, like dining, shopping, or travel.
Here are the 7 categories you can choose from:
- Dining
- Travel
- Fashion
- Beauty & Wellness
- Family
- Transport
- Entertainment
Quick tip: If your lifestyle changes (e.g., you’re travelling more during year-end or spending more on family essentials during school holidays), you can switch your category next quarter and keep your miles strategy on track.
Spending strategy: How to maximise miles with UOB Lady’s Card (without overthinking it)
You don’t need to be a miles “expert” to get good value from the UOB Lady’s Card — you just need a simple plan.
1) Pick the category you spend the most on every month
Ask yourself: “Where does my money naturally go?”
- Dining → frequent meals out, cafés, food delivery
- Transport → Grab/taxis, petrol, commuting spend
- Family → household essentials, family-focused spending
- Fashion → shopping, clothes, accessories
- Beauty & Wellness → skincare, salons, wellness spending
- Entertainment → movies, activities, nightlife
- Travel → flights, hotels, travel bookings
The goal is to choose the category where you can realistically put the most spend without forcing it.
2) Put your “main spending” on the card, and keep everything else simple
Once you’ve picked your category, use the card mainly for:
- your chosen bonus category spending
- any planned big-ticket purchases that fall under that category
For everything else (random small buys), don’t stress too much, because you’ll still earn a base rate, just not as high.
3) Don’t overspend just to earn miles
Miles feel exciting… until you realise you spent an extra S$300 just to “earn rewards”.
A good rule of thumb:
- Spend as usual
- Don’t buy things you wouldn’t have bought anyway
Real-life Singapore example: If you’re choosing Dining, it’s smarter to earn miles on your usual weekend dinners and weekday lunches instead of suddenly booking a pricey omakase “for the miles”.
4) Plan around the monthly bonus cap
The bonus miles are usually capped at S$1,000 spending per month on your selected category.
So the best way to maximise rewards is:
- aim to channel up to that amount into your chosen category
- if you’re spending way above that, consider using another card for the excess (so you’re not “wasting” spend at a lower earn rate)
Example:
If you’re spending S$1,500/month on travel bookings and air tickets, you might:
- put the first S$1,000 on UOB Lady’s Card
- use another miles card for the remaining S$500
5) If you want to boost rewards further, consider pairing it with the UOB Lady’s Savings Account
If you’re already saving monthly (even a small amount), pairing the card with a UOB Lady’s Savings Account can help you unlock extra bonus UNI$ on your chosen category.
Think of it like a “rewards booster” — not a must-have, but a nice upgrade if it fits your money habits.
Why apply for the UOB Lady’s Card
Perks & benefits
- Up to 25X UNI$ for every S$5 spent (10 miles per dollar)
- No min. spend
- 0% LuxePay instalment plans
- Flexible switching of rewards categories each quarter.
Additional benefits
- Complimentary e-Commerce protection
- Curated birthday deals
Everyday value
- Maximise rewards on daily essentials by choosing categories that fit your lifestyle — from dining and transport to beauty and fashion
- Gain access to UOB Rewards+, with over 1,000 dining, retail, and lifestyle deals
SingSaver’s take
The UOB Lady's Credit Card caters to Singaporeans seeking lifestyle-aligned rewards. Ideal for moderate spenders and miles enthusiasts, it offers customisation and maximises everyday spending, with an option to boost rewards by pairing it with a UOB Lady's Savings Account.
Pros & cons
| Pros |
Cons |
- Choose 1 rewards category to earn 25X UNI$ for every S$5 spent (10 miles per dollar)
- No min. spend
- First-year annual fee waiver
- 0% interest payment plans for luxury purchases
- Complimentary e-Commerce protection
- Gain access to over 1,000 dining, retail, and lifestyle deals
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Bonus 9X UNI$ and up to 15X Lady's Savings Bonus UNI$ capped at $1,000 spending per month
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Card comparison
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Card
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Miles/Rewards
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Annual Fee (Principal)
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Other Perks
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UOB Lady’s
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Up to 10 mpd both local and overseas
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S$196.20 (1-year waiver)
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Complimentary e-Commerce protection, 0% LuxePay instalment plans, lifestyle deals
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HSBC TravelOne
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1.2 mpd local, 2.4 mpd overseas
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S$196.20 (1-year waiver)
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4 lounge visits/year, instant miles redemption to 20+ partners, travel insurance
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Citi PremierMiles
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1.2 mpd local, 2.2 mpd overseas
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S$196.20 (1-year waiver)
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2 lounge visits/year, complimentary travel insurance, flexible miles redemption
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UOB PRVI Miles
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Up to 1.4 mpd local, 3 mpd overseas, 8 mpd on hotel and airline bookings
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S$261.60 (1-year waiver)
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4 lounge visits/year, 2 complimentary airport transfers, travel insurance
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DBS Altitude
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Up to 1.3 mpd local, 2.2 mpd overseas
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S$196.20 (1-year waiver)
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4 lounge visits/year, weekend partner travel deals
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The UOB Lady’s Card stands out for Singaporeans who want premium lifestyle rewards, earning up to 10 miles per dollar alongside practical perks like LuxePay instalments and e-Commerce protection — with the first year’s fee waived.
Application process
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Click “Apply Now” on this page.
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Fill in the online application form.
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Upload the required income and identity documents, or apply instantly via Singpass MyInfo.
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Get instant approval or hear back within a few working days (longer if additional checks are required).
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Receive your rewards via Singsaver within 4 weeks.
Frequently asked questions about UOB Lady’s Card
