UOB Lady's Card — Up to Customisable 4 mpd
Earns up to 4 mpd on dining, up to 4 mpd on fashion, up to 4 mpd on entertainment , up to 4 mpd on groceries, up to 4 mpd on travel, up to 4 mpd on transport, and up to 4 mpd on beauty & wellness — and up to 0.4 mpd on everyday spend. Use the simulator to see your projected annual miles.
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| Category | Rate | Miles |
|---|---|---|
| Shopping & online | 4 mpd | 2,400 |
| All other categories (base rate) | 0.4 mpd | 600 |
| Monthly miles | 3,000 | |
| Annual miles | 36,000 | |
You earn the bonus on one category you choose — this projection assumes your best pick for this spend; the rest earn the 0.4 mpd base rate.
Earning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •4 mpd on Dining — Restaurants, fast food restaurants, online food delivery. Only if selected as 1 of 7 categories.
- •4 mpd on Fashion — Any department store, retail store or shopping website that sells clothes, shoes and bags as its main business activity. Only if selected as 1 of 7 categories.
- •4 mpd on Entertainment — Bars, taverns, lounges, cinemas and Ticketing Servicing Providers. Only if selected as 1 of 7 categories.
- •4 mpd on Groceries — Grocery stores and Baby & Kids stores. Only if selected as 1 of 7 categories.
- •4 mpd on Travel — Airlines, hotels & resorts bookings and duty-free stores. Only if selected as 1 of 7 categories.
- •4 mpd on Transport — Fuel stations, Taxi rides and local commuter transport. Only if selected as 1 of 7 categories.
- •4 mpd on Beauty & Wellness — Cosmetics stores, drug stores, health and beauty stores. Only if selected as 1 of 7 categories.
- •0.4 mpd base rate on other eligible spend
- •Bonus miles capped at 4,000/mo — base spend continues earning 0.4 mpd uncapped
- •Annual fee: S$196.20 (First year fee waiver)
- UOB Rewards+ on UOB TMRW
Exclusive access to UOB Rewards+ on the UOB TMRW mobile app, featuring weekly UOB Coupons, shopping offers, travel deals, dining promotions, and more.
- Complimentary Travel Insurance
Overseas Medical Expenses of up to USD100,000 for both sickness and injury. Emergency Medical Evacuation/Return of Mortal Remains. Daily In-Hospital Cash Benefit of USD 100 per day.
Show conditionsHide conditions
Cardmember must opt-in to activate complimentary travel insurance coverage before departure of trip.
- Annual fee
- S$196.20First year fee waiver
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.8%
- Cash advance interest rate (p.a.)
- 28.5%
- Minimum payment
- 3% of current balance or S$50, whichever is higher, plus any overdue amounts
- Interest-free period
- 21 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$40,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
Singaporean/PR: - Minimum annual income of S$30,000 (55 years old and below) - Minimum annual income of S$15,000 (56 years old and above) - Or Fixed Deposit collateral of at least S$10,000 For Foreigners: - Minimum annual income of S$40,000 - Or Fixed Deposit collateral of at least S$10,000
- •Earns 4 miles per dollar (mpd) across 7 selectable bonus categories, including dining, groceries, travel, transport, fashion, entertainment, and beauty & wellness.
- •Cardholders can choose from 7 distinct bonus categories to direct their 4 mpd earning rate toward.
- •Complimentary travel insurance covers overseas medical expenses of up to USD 100,000 and includes a daily in-hospital cash benefit of USD 100 per day.
- •The annual fee of S$196.20 is waived in the first year.
- •UOB points transfer to miles at a ratio of 2 UNI$ per mile, and accumulated miles remain valid for 24 months.
- •Cardholders gain exclusive access to UOB Rewards+ on the UOB TMRW app, which features weekly coupons, shopping offers, travel deals, and dining promotions.
- •The 4 mpd bonus rate applies only to categories actively selected by the cardholder from the available list of 7; unselected categories do not earn the bonus rate.
- •Total monthly bonus miles are capped at 4,000 miles across all bonus categories combined.
- •The base earn rate outside of selected bonus categories is 0.4 mpd.
- •Complimentary travel insurance coverage requires the cardholder to opt in before departure; it is not automatically activated.
- •Bonus miles are not earned on excluded transaction types, including insurance premiums, cash advances, bill payments, e-wallet top-ups, and refunded or reversed transactions.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the UOB Lady's Card.
- •insurance premiums
- •cash advances
- •bill payments
- •e-wallet top-ups
- •refunded or reversed transactions
The information above is a summary and may be incomplete or outdated. Always refer to UOB's official terms and conditions for the authoritative version.
About the UOB Lady's Card
The UOB Lady's Card earns 4 mpd on dining, 4 mpd on fashion, and 4 mpd on entertainment , with a 0.4 mpd base rate on other eligible spend. The annual fee is S$196.20 (First year fee waiver). Terms and conditions apply.
Miles breakdown
The UOB Lady's Card earns 4 mpd on dining, 4 mpd on fashion, 4 mpd on entertainment , 4 mpd on groceries, and 4 mpd on travel, plus 0.4 mpd on other eligible spend.
Where this card earns the most
The UOB Lady's Card earns the most on dining, fashion, and entertainment . When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
How it compares
Compare against all miles cardsarrow_forwardFrequently asked questions
How many miles does the UOB Lady's Card earn?
The UOB Lady's Card earns 4 mpd on dining, 4 mpd on fashion, and 4 mpd on entertainment , with 0.4 mpd on other eligible spend.
What is the annual fee?
S$196.20, First year fee waiver.
How does miles redemption work?
The UOB Lady's Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of May 2026, not guarantees of future earning. Terms and conditions apply.