Is the UOB Lady’s Card worth having? This UOB Lady’s Card review rests on one number from UOB’s terms, as at November 2026: UNI$10 for every S$5 spent, equal to 4 miles per $1, on one category you choose, for up to $1,000 of that spend a month. Everything else earns 0.4 miles per $1.
So the card is strong only if one of its seven categories takes a steady share of your spending. The maths below shows roughly how much: about $560 a month in the category, on $2,000 of total spend, before it beats an ordinary uncapped miles card.
UOB Lady’s Card Review: How We Checked the Figures
The figures are from UOB’s Lady’s Card page, the terms and conditions for the UOB Lady’s Cards (version 1.1, August 2025), and UOB’s annual fee and help pages. We read the schedule of merchant codes and the exclusion list, not only the headline.
We do not cover welcome offers, which change. We are not paid by UOB, and this page carries no rating.
What the Card Earns
| Spend | UNI$ per $5 | Miles per $1 |
|---|---|---|
| Your chosen category, up to $1,000 a month | 10 (1 base + 9 bonus) | 4 |
| Your chosen category, above the cap | 1 | 0.4 |
| Everything else | 1 | 0.4 |
There is no minimum spend. The bonus is capped at 1,800 UNI$ a calendar month, which is the bonus on $1,000.
UNI$ are earned on each $5 spent. A $9 purchase earns the same as a $5 one, so the effective rate on small transactions is lower than 4.
The base UNI$ are credited monthly. The bonus UNI$ for a calendar month arrive by the end of the following month.
The Lady’s Solitaire Card
The Solitaire version takes two categories. Its cap is 2,700 bonus UNI$ a month ($1,500 of spend), with each category limited to 1,350 UNI$ ($750). The terms note this was reduced from $2,000 on 1 August 2025. It needs $120,000 of annual income and its fee is $414.20.
The Savings Account Add-on
UOB’s page also lists extra UNI$ for cardholders who keep money in a UOB Lady’s Savings Account: 5, 10 or 15 more UNI$ per $5 at monthly average balances from $10,000, $50,000 and $100,000. That is a separate product with its own terms. Weigh what the same cash would earn elsewhere before counting it as a card benefit.
The Seven Categories, by Merchant Code
Categories are defined by Merchant Category Code (MCC), which is set by the card network and the merchant’s bank. UOB’s terms say it cannot guarantee that a given shop falls in your category.
| Category | What the terms list |
|---|---|
| Beauty and Wellness | Drug stores, cosmetics stores, barber and beauty shops, spas, massage |
| Dining | Restaurants, caterers, fast food and food delivery |
| Entertainment | Bars and nightclubs, cinemas, theatre and ticket agencies |
| Family | Grocery stores, children’s and infants’ wear |
| Fashion | Department stores, clothing, shoes, luggage and leather goods |
| Transport | Local commuter transport, taxis, petrol stations |
| Travel | Airlines and hotels whose main business is flights or hotels |
You must register a choice on UOB’s enrolment page before any bonus is earned. You can change once a quarter, and a change applies only from the next calendar quarter. Choosing for a single big purchase therefore needs planning a quarter ahead.
Worked Example: When 4 Miles per $1 Beats a Flat Card
Take an illustrative cardholder who picks Dining and spends $2,000 a month: $800 at restaurants and on food delivery, $1,200 on everything else. Illustration only, before per-$5 rounding.
- Dining: $800 × 4 = 3,200 miles
- Other: $1,200 × 0.4 = 480 miles
- Total: 3,680 miles a month, or 44,160 a year
That is an overall 1.84 miles per $1. An uncapped card paying 1.4 miles per $1 would give 2,800 miles on the same $2,000.
Now shrink the dining share to $300:
- Dining: $300 × 4 = 1,200 miles
- Other: $1,700 × 0.4 = 680 miles
- Total: 1,880 miles a month, below the flat card’s 2,800
The break-even on $2,000 of total spend is about $556 a month in the category. Below that, a flat miles card earns more. One way round this is to use the Lady’s Card only for the category and another card for the rest.
And above the cap: $1,400 of dining earns 4,000 miles on the first $1,000 and just 160 on the next $400.
The short version: The UOB Lady’s Card pays 4 miles per $1 on one category for up to $1,000 a month, which is at most 48,000 miles a year. Outside that category it pays 0.4. It rewards a steady category spender and is weak as an only card.
Exclusions That Matter
The terms list spend that earns no UNI$ at all. The ones most people meet:
- utilities, insurance, hospitals, schools, government services and charities
- parking, property management and rental payments
- top-ups to prepaid cards and e-wallets, and transactions described as AXS, EZ-Link, Transit, PayPal, YouTrip or Amaze
- instalment plans, including UOB’s own Lady’s LuxePay plan
The Transit exclusion is worth checking against the Transport category if public transport is the reason you would pick it.
Fees, Income and Converting UNI$
| Item | Amount (as at November 2026) |
|---|---|
| Annual fee, principal card | $196.20 including GST; first year waived |
| Supplementary cards | First card free; $98.10 for the next |
| Minimum income | $30,000 (Singaporeans and PRs aged 55 and below); $15,000 (56 and above); $40,000 (foreigners) |
| Foreign currency transactions | 3.25% of the converted amount |
| UNI$ to miles | UNI$1 = 2 miles, in blocks of UNI$5,000 |
| Conversion fee | $27 per one-time conversion |
| UNI$ expiry | Two years from the end of the quarter earned |
UOB markets the card to women. Its eligibility section lists age and income requirements; check with UOB if you are unsure whether you can apply.
On the annual fee: UOB takes waiver requests through self-serve channels such as the TMRW app or phone menu, and says a waiver is given on request if this is your only UOB credit card. Its fee table also shows UNI$6,500 being used for a full waiver. That is 13,000 miles’ worth of points, so check your balance before the anniversary month.
In the example above, 44,160 miles a year is UNI$22,080. Four blocks convert to 40,000 miles for one $27 fee, and UNI$2,080 waits for next time, subject to the two-year expiry.
Who It Suits, and Who It Does Not
It fits someone who:
- spends roughly $500 to $1,000 a month in one of the seven categories, month after month
- is willing to hold a second card for other spending
- will convert points to miles within two years
It is a poor fit for someone who:
- wants one card for everything
- has spending spread thinly across categories
- prefers cash to miles
- does not always pay the bill in full
On that last point, MoneySense notes that card interest of around 25% to 29% a year applies once you do not pay in full. No points rate covers that.
Alternatives to Compare
- The closest rival for online spend, set out side by side in DBS Woman’s World vs UOB Lady’s Card.
- Other 4-miles-per-$1 cards with different triggers: the Citi Rewards Card review and the HSBC Revolution Card review.
- UOB’s other points and miles cards in UOB credit cards compared.
- Cross-bank lists on our best rewards credit cards and best credit cards for dining pages.
What To Do Next
- Total your last three months of spending in each of the seven categories. Pick by the numbers, not the label.
- Read the Lady’s Cards terms, especially Schedule 1 and the exclusion list.
- Put a dollar value on the miles with our cashback vs miles calculator, or read cashback or miles: how to decide.
- If you carry a balance on any card, deal with that first. Our debt payoff calculator can help you plan it.
