{"id":82187,"date":"2026-01-14T15:34:30","date_gmt":"2026-01-14T07:34:30","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=82187"},"modified":"2026-05-20T11:30:12","modified_gmt":"2026-05-20T03:30:12","slug":"uob-lady-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/uob-lady-card\/","title":{"rendered":"UOB Lady’s Card Guide 2026: Categories, Fees, Miles Earn Rate"},"content":{"rendered":"\n

Looking for a credit card that rewards your lifestyle?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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The UOB Lady\u2019s Card<\/strong> is one of Singapore\u2019s most flexible rewards cards, letting you earn up to 10 miles per dollar<\/strong> on the category you spend the most on \u2014 from dining and fashion to travel.<\/p>\n\n\n\n

That said, it\u2019s not perfect. The 3.25% foreign transaction fee<\/strong> can seriously eat into rewards if you spend a lot overseas (cards like YouTrip<\/strong> skip these fees entirely).<\/p>\n\n\n\n

In this guide, we break down the pros, cons, and real value<\/strong> of the UOB Lady\u2019s Card \u2014 and whether it actually deserves a spot in your wallet.<\/p>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

\u2013 SGD To Yen Guide: Capitalising On The Japanese Yen<\/a>
\u2013 Best SGD to EUR Rate in Singapore (2026 Guide)<\/a>
\u2013 27 Things To Do In JB (Johor Bahru) On Your Weekend Getaway 2026<\/a><\/p>\n\n\n\n

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\u26a1 TL;DR: UOB Lady\u2019s Card<\/strong> at a Glance<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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Feature<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
Annual Fee<\/strong><\/td>S$196.20 (first year free)<\/td><\/tr>
Rewards<\/strong><\/td>Up to 10 mpd (4 mpd without savings account)<\/td><\/tr>
Best For<\/strong><\/td>Local spenders in one main category<\/td><\/tr>
Categories<\/strong><\/td>Pick 1 from: Fashion, Dining, Travel, Beauty, Family, Transport, Entertainment<\/td><\/tr>
Miles Conversion<\/strong><\/td>UNI$1 = 2 miles;
S$27 conversion fee (effective 15 Dec 2025)<\/td><\/tr>
Monthly Cap<\/strong><\/td>S$1,000<\/td><\/tr>
Miles Partners<\/strong><\/td>Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles<\/td><\/tr>
FX Fee<\/strong><\/td>3.25%<\/td><\/tr>
Lounge Access<\/strong><\/td>\u274c (Unless you upgrade to Solitaire Metal)<\/td><\/tr>
Min Income<\/strong><\/td>Singaporeans\/PR: S$30,000\/year;
Foreigners: S$40,000\/year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
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  1. What is the UOB Lady\u2019s Card? <\/a><\/strong><\/li>\n\n\n\n
  2. UOB Lady\u2019s Card Benefits <\/a><\/strong><\/li>\n\n\n\n
  3. Annual Fee Breakdown <\/a><\/strong><\/li>\n\n\n\n
  4. Annual Fee Waiver <\/a><\/strong><\/li>\n\n\n\n
  5. UOB Lady\u2019s Card Categories <\/a><\/strong><\/li>\n\n\n\n
  6. Miles Earn Rate <\/a><\/strong><\/li>\n\n\n\n
  7. Travel Category: Worth It? <\/a><\/strong><\/li>\n\n\n\n
  8. Lounge Access <\/a><\/strong><\/li>\n\n\n\n
  9. Current Promotions <\/a><\/strong><\/li>\n\n\n\n
  10. Eligibility & Requirements<\/a><\/strong><\/li>\n\n\n\n
  11. Birthday Perks <\/a><\/strong><\/li>\n\n\n\n
  12. How to Check Your Category <\/a><\/strong><\/li>\n\n\n\n
  13. Standard vs Solitaire<\/a><\/strong><\/li>\n\n\n\n
  14. Verdict<\/a> <\/strong><\/li>\n\n\n\n
  15. FAQs<\/a><\/strong><\/li>\n<\/ol>\n\n\n\n
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    What is the UOB Lady\u2019s Card?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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    \"UOB<\/figure>\n\n\n\n

    Image credits: UOB Singapore<\/em><\/em><\/p>\n\n\n\n

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    The UOB Lady\u2019s Card lets you choose your bonus category every quarter<\/strong>, instead of locking you into fixed spending types.<\/p>\n\n\n\n

    Card options:<\/p>\n\n\n\n