Point 4 mpd at your single biggest category, or up to 10 mpd with the savings account, and live with 0.4 on the rest
| Min income | Base earn | Bonus earn | Monthly cap |
|---|---|---|---|
| S$30,000S$40,000 for foreigners, unconfirmed | 0.4 mpdeverything outside your category | 4 mpdone category you nominate | S$1,000of bonus spend |
| Best month | Annual fee | Points expiry | Transfer blocks |
| 4,000 milesfrom the bonus category | S$196.20first year waived | 2 yearsfrom the end of the earning quarter | 10,000 miles5,000 UNI$, S$27 a time |
Every other bonus card in Singapore decides in advance what you are allowed to be good at. Dining, online, contactless, overseas: someone at the bank picked those, and your spending either fits or it does not. The Lady's Card hands the choice back to you, which is a genuinely different idea and nobody talks about it that way.
You nominate one category and it pays 4 mpd on it, up to S$1,000 a month. Dining, groceries, transport, travel and petrol are all on the menu, and so are a couple that no picker on this site can even model properly.
The price of that flexibility is the floor. Everything outside your chosen category earns 0.4 mpd, which is the worst base rate in this entire lineup. This card does not want to be your only card and will punish you for trying.
Annual Fee
S$196.20, first year waived, and worth a call every year after that.
| Card | First year | Second year on |
|---|---|---|
| Principal card | Waived | S$196.20 |
The part people miss: UOB charges their annual fee in points.
- UNI$ 6,500 for full waiver
- UNI$ 3,250 + S$98.10 for half waiver
And UOB automatically deducts them to waive your annual fees. This could be a really sad situation if you missed out applying for an annual fee waiver, as 6,500 UNI$ is worth roughly 13,000 miles. That is months of hard-earned miles disappearing.
So do check your Rewards+ Tab for any deductions and apply for waiver accordingly.
UOB is among the more reliable banks for a waiver on regular use, so in practice this sits closer to free than the sticker suggests. It still asks for a phone call once a year, which the HSBC Revolution does not.
Welcome Bonus
UOB Lady's Card
Welcome bonus
- S$95 Cash via PayNow
The same promotion runs flash tiers worth more, including Dyson Airstrait straightener at S$799 and Cash via PayNow at S$400, but those go to the first few applicants at a set time each day. Nearly everyone receives the reward above.
Offer ends 2026-08-31
Sign-up rewards change often, so confirm the current offer before you apply. New customers only, meaning no card from UOB in about the last 12 months.
Sign-up offers move monthly and almost always carry a "new to bank" condition, meaning no UOB card in the past 12 months.
How many miles do I earn?
4 miles per dollar on the one category you nominate, up to S$1,000 a month, and 0.4 on everything else.
| Spend | Rate | Cap |
|---|---|---|
| Your nominated category | 4.0 mpd | S$1,000 / month |
| Everything else | 0.4 mpd | Uncapped |
| Utilities, insurance, education | Nothing | Excluded |
The ceiling is 4,000 miles a month and it is a hard one. Past S$1,000 in your category the rate drops to 0.4, so the eleventh hundred dollars of groceries earns a tenth of what the first did. Design around the cap, not the rate.
There is a second gear on this card that most write-ups skip, this one included until now. Pairing it with a UOB Lady's Savings Account earns up to an additional 15X UNI$ on your nominated category, for a combined 25X. That is up to 10 mpd, which is higher than anything else in this lineup pays on ordinary spending.
The catch is that it scales with the account's monthly average balance rather than being a flat uplift, so the top rate belongs to people holding a substantial balance with UOB. Check the current tiers with UOB before planning around a number, because this is the sort of benefit banks reprice. The 4 mpd stands on its own without the account, which is how the rest of this review reads it.
The category is chosen from seven: Beauty and Wellness, Fashion, Dining, Family, Travel, Transport, and Entertainment. You get one on this card, against two on Lady's Solitaire, and the standard card actually has the higher per-category cap at S$1,000 a month where Solitaire allows S$750 in each of two.
Picking The Right Category
This is the whole card, and it is the one decision that no comparison table can make for you. Get it right and you are earning 4 mpd on the single biggest recurring line in your budget. Get it wrong and you are holding a 0.4 mpd card with an annual fee.
Go and look at three months of statements before you nominate. Not what you think you spend on, what you actually spent on. The category that wins is usually the boring one that turns up every week, not the exciting one that turns up twice a year.
| Category | What it covers |
|---|---|
| 🧴 Beauty & Wellness | Cosmetics stores, drug stores, health and beauty stores. Sephora, Watsons, salons. |
| 👗 Fashion | Any department store, retail store or website selling clothes, shoes and bags as its main business. Zara, Uniqlo, Charles & Keith. |
| 🍜 Dining | Restaurants, fast food and online food delivery. Din Tai Fung through to McDonald’s and Deliveroo. |
| 🛒 Family | Grocery stores plus baby and kids stores. FairPrice, Cold Storage, Kiddy Palace. |
| ✈️ Travel | Airlines, hotel and resort bookings, duty-free stores. Agoda, Singapore Airlines. |
| 🚕 Transport | Fuel stations, taxi rides and local commuter transport. Petrol, Grab. |
| 🎬 Entertainment | Bars, taverns, lounges, cinemas and ticketing providers. Golden Village, Zouk. |
How a purchase gets sorted is the part to understand. Categories are assigned by the merchant’s MCC, the code its bank registered it under, and a merchant’s MCC does not always match what it obviously sells. Lazada and Shopee code as general merchandise and fall outside every category on this list. SPC and Shell sit on UOB’s exclusion list, so those fill-ups earn base under Transport. The category is decided by the code, not by the shop sign.
Travel is the one to be careful with. UOB publishes eligible MCCs for the other six categories and not for this one, so it is the hardest to predict and the easiest to be disappointed by. If travel is your biggest line, verify against your own statement in month one rather than assuming.
Beauty and Wellness and Entertainment have no equivalent in the Wallet Builder, so if your spend is mostly either, the tool understates this card.
Transfer Partners
UNI$ pool across every UOB card you hold, which matters more here than on most cards: a 4,000-mile monthly ceiling takes a while to reach a transfer block on its own, and a second UOB card can push it over. Blocks are 5,000 UNI$, which is 10,000 miles, at S$27 a time.
| Programme | UNI$ for 10,000 miles |
|---|---|
 Singapore Airlines KrisFlyer | 5,000 |
 Cathay Asia Miles | 5,000 |
Expiry is the thing to actually watch: 2 years from the end of the earning quarter. On a card capped at 4,000 miles a month, a couple of quiet quarters can leave a balance that expires before it ever reaches a block worth transferring.
How to use it. Treat it as a single-purpose card pointed at one recurring bill, and put nothing else on it. The 0.4 mpd floor is bad enough that a stray transaction here is a small, silent loss every time.
Before any redemption, always check the route you want is actually available. The worst thing you can do is diversify into another mileage programme with no redemption in mind.
What should I pair it with?
| Portion of the bill | Rate | Miles |
|---|---|---|
| First S$1,000 | 4.0 mpd | 4,000 |
| The remaining S$600 | 0.4 mpd | 240 |
| Total | 4,240 |
That S$600 tail earned 240 miles where a second card paying even 1.2 mpd would have earned 720. The cap is not a reason to avoid this card, it is a reason to have somewhere else to put the overflow.
Almost anything, because 0.4 mpd on the rest of your life is not survivable on its own.
This is the clearest pairing case on the site. The card covers one category to S$1,000 and abandons you everywhere else, so what it needs is breadth rather than more depth.
| The gap | What it costs you | What closes it |
|---|---|---|
| Everything outside your category | 0.4 mpd, the worst floor here | HSBC Revolution, Citi PremierMiles |
| Online marketplaces | Outside every category, so 0.4 mpd | Citi Rewards, HSBC Revolution |
| Spend past S$1,000 in your category | 0.4 mpd on the overflow | UOB Preferred Visa, Citi Rewards |
| Overseas spend | 0.4 mpd unless travel is nominated | UOB PRVI Miles, Citi PremierMiles |
Build your miles card stack
One card never covers everything. Put in what you actually spend and see which cards to hold together, and what to put on each.
Build my stack→The verdict, restated
A precision instrument with an ugly floor. If one category genuinely dominates your spending and lands near S$1,000 a month, nominating it here earns 4 mpd on the thing you were always going to buy, and the flexibility to choose is something no other card here offers. If your spending is spread across five categories, this pays 0.4 mpd on four of them and you should hold something broader instead.
Sources
UOB Lady’s Card T&Cs including the Schedule 1 category definitions, checked 8 July 2026. Earn rates, the S$1,000 monthly cap, UNI$ expiry and the transfer block correct as of that date. Two things are less certain than the rest and are flagged here rather than buried: the minimum income figures come from secondary sources and are not stated in the official T&C, and while the T&C defines categories by merchant code with no online or contactless condition, a channel restriction could not be positively ruled out from the documents read, so verify against your own statement in the first month. Petrol sits in UOB’s Transport category but SPC and Shell are on the standard exclusion list. Eligibility for this card is worth confirming with UOB directly before applying. This guide shares my own experience for education, it is not financial advice, and card terms change: always verify with the bank before applying.