UOB Lady's Card — Customisable 4 mpd
A flexible category bonus card earning 4 mpd on 1 selected category of your choice, capped at S$1,000 per month. Exclusive for women.
UOB Lady's Card
UOB
Annual Fee
S$196.20
Minimum Income
S$30,000
Key Conditions
- •4 mpd on 1 chosen category (out of 7 available)
- •Category can be updated every quarter
- •Bonus capped at S$1,000/month
- •Open to all genders in Singapore since July 2023
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View card details → [Affiliate]Earning Rates
mpd = miles per dollar spentCard information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| DiningChoose 1 of 7 categories (default: Dining). Changeable quarterly. (capped at S$1,000/mo) | 4 mpd |
| All other spend | 0.4 mpd |
Set your spend per category. Caps applied automatically.
Total
S$2,950
Reachable destinations (economy, one-way)
UOB Lady's Card vs HSBC Revolution Card vs DBS Woman's World Card
| At S$3,000/mo | UOB Lady's Card | HSBC Revolution Card | DBS Woman's World Card |
|---|---|---|---|
| Annual miles | 27,360 | 40,320 | 30,240 |
| Dining | 1,200 (4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Groceries | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Transport | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Online | 120 (0.4 mpd) | 1,200 (4 mpd) | 1,200 (4 mpd) |
| Travel | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Contactless | 120 (0.4 mpd) | 1,200 (4 mpd) | 120 (0.4 mpd) |
| Overseas | 120 (0.4 mpd) | 120 (0.4 mpd) | 360 (1.2 mpd) |
| bills | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| insurance | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| general | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Annual fee | S$196.2 | S$0 | S$196.2 |
| Min income | S$30,000 | S$30,000 | S$80,000 |
Based on publicly listed rates as of April 2026.
About UOB Lady's Card
The UOB Lady's Card offers a unique proposition: cardholders can choose 1 out of 7 spending categories to earn 4 miles per dollar (10 UNIS$), capped at S$1,000 per month. Available categories span Dining, Fashion, Travel, Beauty & Wellness, Family, Transport, and Entertainment. Exclusive to female applicants, the card requires a S$30,000 minimum income and carries an annual fee of S$196.20. The ability to change the selected category every quarter makes it highly adaptable to upcoming large expenses, like switching to the Travel category before booking a holiday.
Key Features
- •4 miles per dollar on 1 selected category
- •Selections changeable on a quarterly basis
- •S$1,000 monthly spending cap for the bonus rate
- •0.4 miles per dollar base rate on all other spend
- •Open to all genders
Miles Earning Breakdown
Assuming you maximize the S$1,000 cap in your configured 4 mpd category and spend the remaining S$2,000 on off-category purchases (0.4 mpd), the card could pull in roughly 4,800 miles per month from a S$3,000 total spend. To fully leverage the card, cardholders should concentrate their spending into their chosen category and divert non-bonus spend to a general flat-rate card, such as the UOB PRVI Miles, mitigating the 0.4 mpd drag on total monthly miles.
UOB Lady's Card vs HSBC Revolution Card vs DBS Woman's World Card
Unlike the DBS Woman's World Card, which locks its 4 mpd bonuses to online and contactless categories, the UOB Lady's Card allows the flexibility of choosing a specific physical or online category like Dining or Travel. Compared to the HSBC Revolution, it offers more niche options like Beauty & Wellness, though limited to a single selection versus HSBC's four simultaneous bonus categories.
Where Does UOB Lady's Card Earn the Most?
Your top spending category is entirely up to you. Selecting Dining provides 4 mpd on restaurants and food deliveries. Choosing Travel yields 4 mpd on flights and hotels. Regardless of choice, focusing spending there is critical to getting the best value out of this card before hitting the quarterly category rotation.
Frequently Asked Questions
How often can I change my bonus category?
You can change your selected bonus category once every quarter via the UOB website or mobile app.
Can male applicants apply for this card?
Yes, men can apply for the UOB Lady’s Card in Singapore, as eligibility was expanded to all genders in July 2023.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.