UOB Lady's Card — Up to Customisable 4 mpd
UOB Lady's Card 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. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 9 Jul 2026
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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 top-earning pick for this spend; the rest earn the 0.4 mpd base rate.
For customers new to UOB credit cards. Apply for and be approved on the card as principal cardholder, then spend at least S$1,000 in the first month from approval to receive: - S$100 Samsung e-voucher - 10% off at Samsung online store
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Open to customers new to UOB credit cards: you must not be an existing principal UOB credit cardholder at the time of approval, nor have cancelled a principal UOB card in the prior 6 months. Successfully apply for and be approved on a new UOB Lady's Card as principal cardholder during the promotion period, then accumulate at least S$1,000 of eligible spend within the first month from your card approval date. The one-time S$100 Samsung e-voucher is sent by SMS within one month of meeting the minimum spend, limited to one per customer on a first-come-first-served basis while stocks last. Separately, get 10% off (capped at S$100) at the Samsung online store with a minimum S$1,000 spend, excluding IPP transactions and subject to Samsung's terms.
The information above is a summary and may be incomplete or outdated.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.
Terms and conditionsopen_in_new
Applyopen_in_newEarning 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- •You must select your preferred category each quarter to earn the elevated cashback rates.
- •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.
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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
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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.
Other miles cards to compare
Frequently asked questions
Is the UOB Lady's Card worth it?
The UOB Lady's Card earns 0.4 mpd on general spend and up to 4 mpd on dining and 4 mpd on groceries, with a S$196.20 annual fee (First year fee waiver). Bonus miles are capped at 4,000 per month. Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the UOB Lady's Card for?
The UOB Lady's Card suits frequent diners, household and grocery spenders, and online shoppers — it earns 4 mpd on dining, 4 mpd on groceries, and 4 mpd on shopping & online. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with travel insurance.
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.
Do miles from the UOB Lady's Card expire?
Yes. Miles earned on the UOB Lady's Card are valid for 24 months from the date they are credited, after which they expire. Redeeming or transferring them before that window closes preserves their value. Terms and conditions apply.
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 9 Jul 2026, not guarantees of future earning. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
UOB governing terms: Official terms (PDF)