Looking for a credit card that rewards your lifestyle?
The UOB Lady’s Card is one of Singapore’s most flexible rewards cards, letting you earn up to 10 miles per dollar on the category you spend the most on — from dining and fashion to travel.
That said, it’s not perfect. The 3.25% foreign transaction fee can seriously eat into rewards if you spend a lot overseas (cards like YouTrip skip these fees entirely).
In this guide, we break down the pros, cons, and real value of the UOB Lady’s Card — and whether it actually deserves a spot in your wallet.
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⚡ TL;DR: UOB Lady’s Card at a Glance
| Feature | Details |
|---|---|
| Annual Fee | S$196.20 (first year free) |
| Rewards | Up to 10 mpd (4 mpd without savings account) |
| Best For | Local spenders in one main category |
| Categories | Pick 1 from: Fashion, Dining, Travel, Beauty, Family, Transport, Entertainment |
| Miles Conversion | UNI$1 = 2 miles; S$27 conversion fee (effective 15 Dec 2025) |
| Monthly Cap | S$1,000 |
| Miles Partners | Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles |
| FX Fee | 3.25% |
| Lounge Access | ❌ (Unless you upgrade to Solitaire Metal) |
| Min Income | Singaporeans/PR: S$30,000/year; Foreigners: S$40,000/year |
📚 Table of Contents:
- What is the UOB Lady’s Card?
- UOB Lady’s Card Benefits
- Annual Fee Breakdown
- Annual Fee Waiver
- UOB Lady’s Card Categories
- Miles Earn Rate
- Travel Category: Worth It?
- Lounge Access
- Current Promotions
- Eligibility & Requirements
- Birthday Perks
- How to Check Your Category
- Standard vs Solitaire
- Verdict
- FAQs
What is the UOB Lady’s Card?
Image credits: UOB Singapore
The UOB Lady’s Card lets you choose your bonus category every quarter, instead of locking you into fixed spending types.
Card options:
- UOB Lady’s Card – 1 category, lowest fee
- UOB Lady’s Solitaire – 2 categories, higher cap, S$120K income
- Solitaire Metal – Invite-only
For most users, the standard card offers the best value.
Key Features:
- Earn up to 10 mpd on your chosen category (4 mpd without a savings account)
- Choose from 7 categories: Fashion, Dining, Travel, Beauty, Family, Transport, Entertainment
- Change your category every quarter to match your spending
- S$1,000 monthly cap on bonus earnings
- First year annual fee waived (S$196.20 thereafter)
- Open to all genders, age 21+
- No minimum spend required to earn bonus rates
📖 Related guide: Best Citi Miles Credit Cards in Singapore: PremierMiles, Prestige, Rewards
UOB Lady’s Card Benefits
1. Rewards System
- Base: 0.4 mpd
- Chosen category: 4 mpd
- With Lady’s Savings Account (S$10K-S$49,999): up to 6 mpd
- With Lady’s Savings Account (S$100K+): up to 10 mpd
⚠️ The 10 mpd headline rate requires a S$100,000 minimum balance
| MAB in Lady’s Savings Account | Lady’s Savings Bonus UNI$ for every S$5 spend | Total Earn Rate for every S$5 spend |
|---|---|---|
| < S$10,000 | 0X | 10X UNI$ (4 mpd) |
| S$10,000 to S$49,999 | 5X UNI$ | 15X UNI$ (6 mpd) |
| S$50,000 to S$99,999 | 10X UNI$ | 20X UNI$ (8 mpd) |
| S$100,000 & above | 15X UNI$ | 25X UNI$ (10 mpd) |
Source: UOB Singapore
2. LuxePay Instalments
- 0% interest for 6 or 12 months
- Min spend: S$500
- Applies to fashion, jewellery, beauty
Good for big-ticket luxury buys — useless otherwise.
What’s Missing:
- No lounge access
- No travel insurance
- No FX fee waiver
That 3.25% foreign fee hurts if you spend overseas. On a S$3,000 trip, that’s ~S$97 gone. Cards like YouTrip charge zero.
📖 Related guide: UOB One Account Singapore Guide: UOB One Card, Interest Rates, Fees
Annual Fee Breakdown
UOB Lady’s Card
- S$196.20/year (free first year)
- First supplementary card is free
UOB Lady’s Solitaire
- S$414.20/year
- Requires S$120K income
All fees include GST.
📖 Related guide: Citi PremierMiles Card: Guide to Benefits, Fees & Rewards
How to Avoid Losing Points to Annual Fees
UOB may automatically deduct:
- 36,400 UNI$ for full waiver
- 18,200 UNI$ for half waiver
What to Do
- Call UOB before renewal
- Request a manual fee waiver
- Mention active usage
UOB Lady’s Card: 7 Reward Categories
- Fashion – Clothes, bags, online shopping
- Dining – Restaurants, cafes, food delivery
- Travel – Flights, hotels, OTAs (FX fees apply)
- Beauty & Wellness – Salons, spas, gyms
- Family – Groceries, supermarkets
- Transport – Petrol, Grab (no MRT top-ups)
- Entertainment – Movies, concerts, streaming
Changing Your Category
- Switch once per quarter
- Must submit before the quarter ends
- Changes take effect next quarter
Pro tip: Set a calendar reminder, or you’ll forget.
Spending Cap
Bonus rate applies only to the first S$1,000/month. Anything above earns 0.4 mpd.
📖 Related guide: Best Singapore Credit Card For Overseas Spending
UOB Lady’s Card Miles Earn Rate
Without a Savings Account
- S$1,000/month → 4,000 miles
- ~48,000 miles/year
With S$10,000-S$49,999 Savings Balance
- S$1,000/month → 6,000 miles
- ~72,000 miles/year
With S$100k+ Savings Balance
- S$1,000/month → 10,000 miles
- ~120,000 miles/year
⚠️ That extra mileage comes at the cost of locking up S$10K.
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Miles transfer
- KrisFlyer & Asia Miles only
- UNI$1 = 2 miles
- S$27 per conversion (effective 15 Dec 2025)
📖 Related guide: UOB PRIVI Miles Card Guide: Benefits, Fees & Rewards
UOB Lady’s Card Travel Category: Worth It?
✔️ Good for SGD bookings (flights, hotels)
❌ Bad for foreign currency spending
FX fee math:
- Earn 4 mpd
- Lose 3.25% in fees
For overseas spending, fee-free cards like YouTrip usually win.
📖 Related guide: HSBC TravelOne Card: Guide to Fees, Miles & Benefits
UOB Lady’s Card Lounge Access
- Standard card: None
- Solitaire: None
- Solitaire Metal: 6 lounge visits/year
You’re paying more for access — decide if it’s worth it.
📖 Related guide: UOB Mighty FX Review: Rates, Fees & Benefits
UOB Lady’s Card Promotions (2026)
- First-year fee waivers
- Dining & beauty discounts
- Hotel stay deals
- Birthday month perks
Promotions are subject to change; always check the UOB app or website before applying.
📖 Related guide: Citi Prestige Card: Guide to Fees, Miles, Eligibility & Tips
UOB Lady’s Card Eligibility & Requirements
- Age 21+ (open to all genders)
- Income: S$30K (SG/PR), S$40K (foreigners)
- Solitaire: S$120K income
MyInfo users may get instant approval.
📖 Related guide: Best Miles Credit Card in Singapore For Overseas Spending
UOB Lady’s Card Birthday Perks
During your birthday month, you usually get:
- Dining discounts at partner restaurants
- Beauty vouchers (Solitaire cards get the better goodies)
- Exclusive retail promos
Nothing wild, but a free facial or discounted dinner beats a generic “happy birthday” email.
How to claim:
Make sure your birthday is registered with UOB. Check promos a month early and book fast — slots go quick.
📖 Related guide: DBS Woman’s World Card: Miles, Features & Perks Explained
How to Check Your Selected Category?
Forgot what you picked? Happens.
Fastest ways to check:
- UOB TMRW app: Cards → Lady’s Card
- Internet banking: Credit Cards → Card details
- Enrollment portal: uob.com.sg/ladys-enrol
- Monthly statement: Look for bonus UNI$
- Call UOB: 1800 222 2121
Pro tip: the app takes literally 10 seconds.
📖 Related guide: OCBC Multi-Currency Account Guide: OCBC Global Savings Account (2025)
Standard vs Solitaire: Which One’s For You?
| Feature | UOB Lady’s Card (Standard) | UOB Lady’s Solitaire Card |
|---|---|---|
| Annual Fee | S$196.20 (first year free) | S$414.20 (first year free) |
| Supplementary Cards | 1st free forever; Additional: S$98.10/year | First 2 free forever Additional: S$196.20/year |
| Min. Annual Income | S$30,000 (SG/PR)S$40,000 (Foreigners) | S$120,000 (all applicants) |
| Bonus Categories | Pick 1 category | Pick 2 categories |
| Base Earn Rate | 0.4 mpd (all spending) | 0.4 mpd (all spending) |
| Category Earn Rate | 4 mpd (no savings acct); Up to 10 mpd (with savings acct) | 4 mpd (no savings acct) Up to 10 mpd (with savings acct) |
| Monthly Spending Cap | S$1,000 per category | S$1,500 total(S$750 per category) |
| Annual Miles Potential* | 48,000 miles (no savings); 72,000 miles (S$10K-S$49K); 96,000 miles (S$50K-S$99K); 120,000 miles (S$100K+) | 72,000 miles (no savings); 108,000 miles (S$10K-S$49K); 144,000 miles (S$50K-S$99K); 180,000 miles (S$100K+) |
| Airport Lounge Access | ❌ None | ❌ None |
| Travel Insurance | ❌ None | ✅ Up to US$100,000(registration required) |
| LuxePay 0% Installments | ✅ 6 or 12 months | ✅ 6 or 12 months |
| Foreign Transaction Fee | 3.25% | 3.25% |
| E-Commerce Protection | ✅ Up to 200 USD (~S$257.80) | ✅ Up to 200 USD (~S$257.80) |
| UOB Rewards+ Access | ✅ Yes | ✅ Yes |
| Best For | Regular spenders who can hit S$1,000/month in one category | High earners who can max two categories |
*Annual miles potential assumes maxing out the monthly spending cap consistently. The Lady’s Savings Account balance tiers determine the earn rate.
Verdict:
- For most people, the Standard card is the sweet spot.
- The Solitaire only makes sense if you earn S$120k+, consistently max out two categories.
- Remember – the advertised 10 mpd rate requires S$100,000 in savings, not S$10,000.
- Most people will realistically earn 6 mpd (S$10K-S$50K savings) or 4 mpd (no savings account), which is still competitive but not the headline rate.
📚 Read next: Check out our guide to the best multi-currency cards for the biggest savings here
Bottom Line: Should You Get The UOB Lady’s Card?
Get the UOB Lady’s Card if:
- You spend S$1,000+/month in one category
- Most spending is in SGD
- You’re okay with quarterly category planning
Skip it if:
- You spend heavily overseas
- You don’t hit the S$1,000 cap
- You want lounge access or travel insurance
Best strategy:
Use the UOB Lady’s Card for local category spend + miles, and pair it with a zero-FX card like YouTrip when travelling.
One card won’t do everything. The smart move is using the right card for the right spend.
FAQs:
Q: Can men apply?
Yes, the UOB Lady’s card is open to all genders.
Q: Is the Solitaire upgrade worth it?
Only if you earn S$120k+ and can max two categories monthly. Otherwise, stick to the basic card.
Q: Do overseas spends earn bonus miles?
Yes — but you’ll pay 3.25% foreign fees, which cancels out a lot of the value.
Q: Can I transfer miles to other airlines?
No. Only KrisFlyer and Asia Miles.
Q: Best category to choose?
Whatever you can hit S$1,000/month on consistently. For most people: Dining or Family.
Q: Will UOB auto-deduct my points for annual fees?
Yes. It’s sneaky. Call ahead if you want a waiver and to keep your points.
Q: How do I avoid foreign transaction fees?
You can’t with this card. For overseas spending, cards like YouTrip (zero FX fees) make way more sense.
Q: Should I use this card overseas?
- Booking flights/hotels in SGD before your trip? ✅
- Spending overseas in foreign currency? ❌ Fees stack up fast.
Q: How long does approval take?
Instant for Singaporeans/PRs using MyInfo (7 AM–8 PM). Others: ~5–7 working days.
The Smarter Alternative for Travel
Looking for a simpler, fee-free solution for overseas spending? YouTrip provides a modern, multi-currency alternative that eliminates FX fees, hidden markups, and annual fees — making it a practical choice for Singaporeans travelling abroad in 2025.
Not on YouTrip yet? Get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Bon voyage!
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