UOB Lady's Card

UOB Lady's Card

The UOB Lady’s Card lets you live the life you want and earn up to 10 miles per dollar on your preferred rewards category from a list of seven - Dining, Travel, Fashion, Beauty & Wellness, Family, Transport and Entertainment. Cardholders can choose and change their preferred category every quarter to maximise their rewards. In fact, it's one of the best rewards card to earn miles quickly for your next getaway.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 miles per dollar
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Annual Fee
S$ 196.2
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Monthly Spend Required
Min. Annual Income
S$ 30,000
2 Offers Available
Apple AirPods Pro 2nd Gen (worth S$349)
SingSaver Flash Deal
Apple AirPods Pro 2nd Gen (worth S$349)
  • SingSaver Flash Deal promotion runs from 11 August 2025 to 31 August 2025.
  • Promotion is valid for new-to-UOB credit card members only.
  • Be one of the first 20 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
    • If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply. 
Samsonite Straren Spinner 67/24 (worth S$600)
SingSaver Flash Deal
Samsonite Straren Spinner 67/24 (worth S$600)
  • SingSaver Flash Deal promotion runs from 11 August 2025 to 31 August 2025.
  • Promotion is valid for new-to-UOB credit card members only.
  • Be one of the first 20 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
    • If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply. 
S$300 Cash via PayNow
SingSaver Flash Deal
S$300 Cash via PayNow
  • SingSaver Flash Deal promotion runs from 11 August 2025 to 31 August 2025.
  • Promotion is valid for new-to-UOB credit card members only.
  • Be one of the first 20 new-to-UOB credit card applicants to get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
    • If selected as a winning applicant, the selected Flash Deal reward will be received in place of the regular SingSaver Exclusive Offer reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply. 
S$60 Cash via PayNow
SingSaver Exclusive Offer
S$60 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 31 August 2025.
  • Promotion is valid for new-to-UOB credit cardmembers only.
  • Apply and get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply.
S$70 Grab Voucher
SingSaver Exclusive Offer
S$70 Grab Voucher
  • SingSaver Exclusive Offer promotion is valid until 31 August 2025.
  • Promotion is valid for new-to-UOB credit cardmembers only.
  • Apply and get approved for selected UOB Credit Cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Promotion is not stackable with other welcome offers from UOB.
  • Terms and Conditions apply.

Things to consider

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Local & Overseas spending rewards

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Installment

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No monthly spend required

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Monthly rewards cap applies.

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Benefits

AirMiles

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Airmiles Base Rate
0.4  miles per dollar
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Airmiles Local
Up to 10  miles per dollar
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flight
Airmiles Overseas
Up to 10  miles per dollar
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Airmiles Retail
Up to 10  miles per dollar
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restaurant
Airmiles Dining
Up to 10  miles per dollar
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shopping_bag
Airmiles Local Online Shopping
Up to 10  miles per dollar
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shopping_bag
Airmiles Overseas Online Shopping
Up to 10  miles per dollar
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domain
Airmiles Department Store
Up to 10  miles per dollar
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shopping_cart
Airmiles Supermarket
Up to 10  miles per dollar
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bed
Airmiles Hotel Booking
Up to 10  miles per dollar
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flight_takeoff
Airmiles Flight Booking
Up to 10  miles per dollar
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commute
Airmiles Transport
Up to 10  miles per dollar
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local_gas_station
Airmiles Petrol
Up to 10  miles per dollar
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Airmiles Bonus Cap
S$ 1,000
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Quick Facts

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Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)

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Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account

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LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.

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Complimentary e-Commerce protection on your online purchases.

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Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.

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You can only choose 1 rewards category out of 7 to earn up to 25X UNI$ (10 miles per S$1). Feel free to change your category every quarter.

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You must save with UOB Lady’s Savings Account to unlock up to additional 15X UNI$ (6 miles per S$1) earn rate on your preferred rewards category.

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Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Min. Annual Income
S$ 30,000
Monthly Spend Required
local_atm

Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
S$ 25

Repayment

Minimum Payment
3  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.8  %
Interest on Cash Advance
28.5  %
Interest Free Period
21  days
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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

NETSPay

Tags

UOB Lady's Card UOB Lady's Card

UOB Lady’s Card


The UOB Lady’s Card is ideal for women 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.

Spend category

Rewards earned

Base miles earn rate

1X UNI$ for every S$5 spent (0.4 miles per dollar)

Rewards category of choice

Up to 25X UNI$ for every S$5 spent (10 miles per dollar)

Min. spend

S$0

 

SingSaver’s Offer

Welcome offer comparison

 

Provider

Offer

SingSaver

AirPods Pro 2, Samsonite luggage, or S$300 cash

UOB Website

Up to 10 miles per dollar

 

Best offer: The SingSaver Flash Deal delivers the highest value with choices like AirPods Pro 2, Samsonite luggage, or S$300 cash, 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: Anytime Fitness, LAC, Guardian, LANEIGE, Jean Yip Beauty, 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%
  • Foreign check fee: NA
  • 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

 

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 women in Singapore 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$5 spent (10 miles per dollar)
  • No min. spend
  • First-year annual fee waiver
  • 0% interest payment plans for luxury purchases
  • Complimentary e-Commerce protection
  • Gain access to over 1,000 dining, retail, and lifestyle deals
  • Bonus 9X UNI$ and up to 15X Lady's Savings Bonus UNI$ capped at $1,000 spending per month
  • Only available to women

 

Card comparison

 

Card

Miles/Rewards

Annual Fee (Principal)

Other Perks

UOB Lady’s

Up to 10 mpd both local and overseas

S$196.20 (1-year waiver)

Complimentary e-Commerce protection, 0% LuxePay instalment plans, lifestyle deals

HSBC TravelOne

1.2 mpd local, 2.4 mpd overseas

S$196.20 (1-year waiver)

4 lounge visits/year, instant miles redemption to 20+ partners, travel insurance

Citi PremierMiles

1.2 mpd local, 2.2 mpd overseas

S$196.20 (1-year waiver)

Complimentary travel insurance, flexible miles redemption, global acceptance

 

The UOB Lady’s Card stands out for women 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

  1. Click “Apply Now” on this page.
  2. Fill in the online application form.
  3. Upload the required income and identity documents, or apply instantly via Singpass MyInfo.
  4. Get instant approval or hear back within a few working days (longer if additional checks are required).
  5. Receive your rewards via Singsaver within 4 weeks.

Frequently asked questions about UOB Lady’s Card

Are there annual fees for the UOB Lady's Card?

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Yes, the UOB Lady's Card has an annual fee of $196.20, which is waived for the first year. The first supplementary card is free, while subsequent supplementary cards incur a fee of $98.10 each.

What is the income requirement for the UOB Lady's Card?

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Applicants must be at least 21 years old. The minimum annual income requirement is $30,000 for Singapore Citizens and Permanent Residents, and $40,000 for foreigners.

What is the mile per dollar or cashback offered?

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The UOB Lady's Card offers up to 10X UNI$ per $5 spent (equivalent to 4 miles per $1) on your chosen preferred rewards category, such as Fashion, Dining, Travel, Beauty & Wellness, Family, Transport, or Entertainment. You can change your preferred category every quarter. Additionally, if you pair the card with a UOB Lady’s Savings Account and maintain a minimum monthly average balance, you can earn up to an additional 15X UNI$ per $5 spent (equivalent to 6 miles per $1), bringing the total to 25X UNI$ per $5 spent (10 miles per $1) on your preferred category.

Are there extra perks for the credit card?

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Yes, the UOB Lady's Card offers several additional benefits:​

  • ​LuxePay instalment plan: Enjoy 0% interest instalment plans over 6 or 12 months for luxury purchases.
  • Complimentary e-Commerce protection: Provides coverage for online purchases up to USD200.
  • Exclusive women-centric privileges: Access to curated promotions and perks tailored for women.
  • ​Lifestyle benefits: Includes access to UOB Rewards+ with 1,000+ dining, retail, and wellness deals.

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