UOB Lady's Card
Card Details
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UOB Lady's Card Key Features & Benefits: At a Glance
There is a common misconception that the UOB Lady's Card is exclusively for women; when in fact, both men and women can apply for this card. Furthermore, it's an ideal choice for young professionals earning moderate annual income, seeking to maximise miles or rewards points on shopping, beauty, travel, and everyday spending through flexible categories.
Feature | Details |
Bonus earn rate | 10X UNI$ per $5 spend (4 miles per $1) with card alone on enrolled category (10X UNI$ per $5) + (Additional 15X UNI$ per $5) = Up to 25X UNI$ per $5 spend (10 miles per $1) with card when paired with UOB Lady's Savings Account on enrolled category |
Bonus earn cap | $1,000 monthly spend per selected category |
Bonus category | Choose 1 bonus category per quarter from 7 options: Beauty & Wellness, Dining, Entertainment, Groceries, Fashion, Transport, Travel ⭐ Can enrol new category every quarter to match spending patterns |
Base earn rate | 1X UNI$ per $5 (0.4 miles per $1) on all other eligible spend or spend exceeding $1,000 monthly cap |
Annual fee | $196.20 (1st year waiver) |
Minimum annual income | $30,000 (Singaporeans/PRs) $40,000 (Foreigners) |
Points expiry | UNI$ expire 2 years from end of earning quarter |
Special perks | Free e-Commerce protection: Complimentary insurance coverage for loss/damage on online purchases paid with card; subject to claim limits (up to US$200 per item) UOB Lady's LuxePay Plan: Split luxury purchases ($500+) into 6 or 12-month interest-free instalments with no fees (bag and shoes only) |
💡 MoneySmart Tip: Unlike fixed-category rewards cards, the UOB Lady's Card allows cardholders to adapt their rewards strategy quarterly. If you're spending heavily on dining this quarter but switching to travel next quarter, you can easily switch without being locked in to one and maximise your miles/rewards earning potential.
Pros & Cons of UOB Lady's Card
✅ Pros | ❌ Cons |
Highest earn rate: Up to 10 miles per $1 beats most rewards cards | $1,000 monthly cap for bonus points/miles earn; excess spend earns base rate only |
Quarterly flexibility: Switch categories every 3 months to match changing spending patterns | Must remember to select/change category quarterly if changing rewards strategy, or lose bonus earnings |
Wide range of 7 categories cover most lifestyle spending (beauty, dining, entertainment, groceries, fashion, transport, travel) | Shorter UNI$ expiry of 2 years |
Accessible $30,000 annual income requirementfor Singaporeans/PRs | $5 block rounding: Spend below $5 or partial $5 blocks get rounded down (e.g. S$9.90 = S$5) |
Earn extra 15X UNI$ (6 miles per $1) when paired with UOB Lady's Savings Account | No complimentary travel insurance coverage when you charge travel fares to card |
Gender-inclusive, available to both men and women | |
Interest-free LuxePay instalment plans for luxury fashion purchases |
A UOB Card for Every Spend
Whether you want cashback, rewards, or air miles, discover the best UOB credit card for you from our curated picks.
Customer Reviews on MoneySmart Credit Card Applications
Comparison: UOB Lady's Card vs HSBC Revolution vs Citi Rewards
If you're evaluating lifestyle rewards cards that earn miles or points on selected categories, here's how the UOB Lady's Card stacks up against its closest competitors:
Feature | |||
Min. annual income (Singaporean/PR) | $30,000 | $65,000 (or $30,000 with $50,000 TRB*) | $30,000 |
Min. annual income (Foreigner) | $40,000 | $65,000 | $42,000 |
Annual fee | $196.20 (1st year waiver) | $0 | $196.20 (1st year waiver) |
Rewards Mechanism | Choose 1 bonus category per quarter | 10X rewards points on eligible online & contactless transactions | 10X rewards points on eligible online & shopping purchases |
Bonus earn rate | 10X UNI$ per $5 (4 miles per $1) with card alone Additional 15X UNI$ per $5 (6 miles per $1) with card paired with UOB Lady's Savings Account, bringing maximum earn rate up to 25X UNI$ per $5 (10 miles per $1) | 10X rewards points (4 miles per $1 or 2.5% cashback) | 10X rewards points (4 miles per $1) |
Monthly bonus cap | $1,000 on enrolled category | 13,500 bonus points (~$1,500 spend) | 9,000 bonus points (~$1,000 spend) |
Bonus categories selection | Beauty, Dining, Entertainment, Groceries, Fashion, Transport, Travel Can change per quarter | Online, Contactless spend, Online Travel** | Online, Shopping |
Points expiry | UNI$: 2 years | Rewards Points: 37 months | Citi Points: 60 months |
Special perks | Free e-Commerce protection, LuxePay Plan | Complimentary ENTERTAINER access | Citi PayAll for bill payments |
*TRB = Total Relationship Balance with HSBC
**Until 31 March 2026, subject to change or otherwise
Which card fits your spending style?
Choose UOB Lady's Card if |
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Choose HSBC Revolution Card if |
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Choose Citi Rewards Card if |
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⭐ For a comprehensive comparison of all miles/rewwards credit cards in Singapore, visit our MoneySmart credit cards comparison page.
How to Maximise Rewards & Category Switching For UOB Lady's Card?
Maximise your UOB Lady's Card by strategically selecting, switching, and tracking your bonus spend category. Here's how to get the highest value from your card.
Shortlist preferred category
How to switch categories
Key card mechanics to know
Each quarter, review and choose (or retain the same) 1 bonus category from:
- Beauty & Wellness
- Dining
- Entertainment
- Groceries (Family)
- Fashion
- Transport
- Travel
💡 MoneySmart Tip: Choose your optimal category where you consistently spend or spend the most in (up to $1,000 per month). Review your past 3 months' transactions to identify your major spend area.
Example scenarios:
Your spending pattern | Recommended category | Why |
$800 per month (dining), $400 per month (groceries) | Dining | Maximises $1,000 cap with room to spare |
$1,200 per month (fashion) | Fashion | First $1,000 earns bonus; remaining $200 earns base rate |
$600 per month (groceries), $500 per month (transport) | Groceries | Higher spend concentration |
⭐ Check out our Credit Card Knowledge Hub on more card strategies to maximise rewards/miles together with cashback too!
Switch quarterly via UOB TMRW app or internet banking: Cards > UOB Lady's Card > Manage Card > Preferred Rewards Category.
⭐ Important things to note:
- Changes apply from the next quarter only (quarters: Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec)
- No category selected = no bonus earn rate
- Deadline: Make your selection before quarter-end
UNI$ blocks: Spend is rounded to $5 blocks (e.g. $9.90 counts as $5, $14.99 counts as $10).
Miles conversion: Convert UNI$ to miles (e.g. KrisFlyer miles) at UNI$1 = 2 miles. Minimum redemption required; conversion fees may apply.
Expiry tracking: Monitor expiry dates via UOB TMRW app or e-statements. Cap resets monthly on the 1st.
How to Apply For UOB Lady's Card: Step-by-Step Guide
Navigating the eligibility criteria and application process of UOB Lady's Card is key to getting approved. Here's everything you need to know about fees, required documents, and how to avoid common rejection pitfalls.
Eligibility criteria & fees overview
Eligibility & fees | Details |
Min. age | 21 years old and above |
Min. annual income (Singaporean/PR) | $30,000 |
Min. annual income (Foreigner) | $40,000 |
Annual fee | $196.20 (1st year waiver) |
Retail interest rate | 27.8% p.a. |
Supplementary card fee | 1st: Free; then $98.10 |
Late payment fee | $100 |
Foreign currency transaction fee | 3.25% |
Cash advance fee | 8% or $15, whichever is greater |
Card application process
Step | Action | What it does |
#1 | Apply for UOB Lady's Card via MoneySmart | Click on the "Apply Now" button for the UOB Lady's Card either on the MoneySmart UOB credit card page or the UOB Lady's Card page directly. |
#2 | Gather required documents | For seamless application, use Singpass MyInfo to auto-retrieve your personal information to complete the card application form—no need to manually upload documents. If applying without MyInfo, prepare these documents: Singaporeans/PRs
Foreigners
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#3 | Fill application form | ⭐ When applying via MoneySmart, fill in the rewards form to track your sign-up reward before proceeding to the application. After completing your personal details, select your preferred bonus category (Beauty & Wellness, Dining, Entertainment, Groceries, Fashion, Transport, or Travel) for the quarter, and submit your form! |
#4 | Submit & wait for approval | You'll receive status updates via SMS or email. Typical processing time is 3–5 working days for complete applications. Instant approval available for eligible applicants with full MyInfo verification. |
Common application rejection reasons & promotion limitations
- Income not met: Ensure declared annual income meets or exceeds $30,000 (Singaporean/PR) or $40,000 (foreigner).
- Incomplete or unclear documents: Scans/photos must be clear; all documents up to date and fully submitted.
- Unstable employment: Self-employed or short job tenure applicants may need extra supporting documents.
- Poor credit record: Existing debt, late payments, or a recent application spree can lead to rejection.
- Missing eligibility: Foreigners should check that their passes are valid for at least six months.
If rejected, review the rejection notice, address any identified issues, and reapply once resolved.
UOB Lady's Card Pitfalls & Troubleshooting
If you encounter issues after receiving your UOB Lady's Card, here's where to get help and how to resolve common problems.
Card issue type | Typical causes | Possible solution |
Missed bonus UNI$ | Ineligible spend, exceeded caps, category not set | Check UOB TMRW app to review transactions |
General card enquiries | — | Use UOB TMRW's in-app chat/support for statement queries, points tracking, or category selection troubleshooting |
MoneySmart promo not received | Applied via wrong channel, missed spend/timeline requirements, ineligible status | Check MoneySmart promo tracking page (link in application confirmation email) Verify eligiblespend posted within promo window |
Card not working | Not activated, blocked, spend limits | Activate card, check app notifications Contact 1800 222 2121 (in Singapore) or +65 6222 2121 (overseas) for urgent blocking issues |
Referral failed | New-to-UOB not met, referee ineligible | Verify both parties' status, escalate |
Alternative UOB Credit Cards to Consider
If you like UOB's rewards ecosystem but need different earning rates, income tiers, or specialised benefits, consider these alternatives within the UOB card family.
UOB Lady's Card vs UOB Lady's Solitaire: Comparison
Feature | UOB Lady's Card | UOB Lady's Solitaire Card |
Min. annual income (Singaporean/PR) | $30,000 | $60,000 |
Min. annual income (Foreigner) | $40,000 | $70,000 |
Bonus earn rate (card + savings account) | 10 miles per $1 | 10 miles per $1 |
Bonus earn rate (card only) | 4 miles per $1 | 4 miles per $1 |
Preferred category(ies) | 1 per quarter | 2 per quarter |
Monthly bonus spend cap | $1,000 | $2,000 |
Annual fee | $196.20 (1st year waiver) | $414.20 (1st year waiver) |
Airport lounge access | None | 4 visits per year |
⭐ When to upgrade to UOB Lady's Solitaire:
- You consistently max out the $1,000 per month bonus spend cap and earn minimum $60,000 annually
- You want to maximise rewards across 2 categories simultaneously (e.g. dining + fashion)
- You value complimentary lounge access (4 visits per year)
READ: Which Credit Card Offers Lounge Access in Singapore?
Other UOB rewards credit cards
Feature | ||
Min. annual income (Singaporean/PR) | $30,000 | $30,000 |
Min. annual income (Foreigners) | $40,000 | $40,000 |
Best for | Mobile wallet users | Frequent travelers |
Bonus miles earn rate | 4 miles per $1 on eligible mobile and online transactions | 1.4 miles per $1 on eligible local spend 2.4-8 miles per $1 on eligible foreign currency spend |
Monthly cap | $2,000 | No cap |
Annual fee | $196.20 (1st year waiver) | $261.60 (1st year waiver) |
Lounge access | ✗ | 4 visits per year |
Key advantage | Auto-earn, no category selection | Uncapped earning on all spend |
Choose if you… |
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UOB Lady's Card March Promotion 2026
Apply and spend a minimum of $500 within 30 days of approval to receive:
- Baseline Gift: $180 Cash or 2,800 SmartPoints
Rewards fulfilled approximately 6 months after 31 March 2026.
FAQs About UOB Lady's Card
How do I change my UOB Lady's Card rewards category?
You can change your rewards category through the UOB TMRW app or UOB internet banking: Navigate to your card > "Manage Card" > "Preferred Rewards Category"
Make your selection before the end of the calendar quarter for it to be effective the next quarter.
Can I change my bonus category mid-quarter?
No, changes take effect only at the start of the next quarter; even if you update your preference today, it applies from the following quarter onwards.
How many categories can I select across UOB Lady's Cards?
You can only enrol 1 bonus category per quarter for UOB Lady's Card and 2 bonus categories per quarter for UOB Lady's Solitaire Card. The UOB Lady's Solitaire Metal Card is by exclusive invite-only basis.
How are UNI$ calculated?
You earn bonus UNI$ for spend in your selected category, up to $1,000 per month:
- Earn up to 25X UNI$ per $5 spend (equivalent to 10 mile per /$1) on your enrolled category
- Spend is rounded down to nearest $5 blocks (e.g., $9.90 is treated as $5)
- Additional bonus UNI$ can be earned if you pair with a UOB Lady's Savings Account (15X UNI$ boost)
- Monthly cap resets at the start of each calendar month
Why didn't I earn bonus UNI$ for a specific transaction?
Common reasons for not earning bonus UNI$ include:
- The transaction wasn't in your selected category
- You exceeded your $1,000 monthly bonus cap
- Transaction amount below $5 or not in complete $5 blocks
- Category switch didn't take effect yet (only applies next quarter)
- Commonly excluded merchant categories (MCCs) won't earn bonus rewards (e.g. insurance premiums, cash advances, bill payments, e-wallet top-ups, refunded or reversed transactions, etc.)
Always review your card's MCC exclusions section for full details on non-qualifying spend.
What's the difference between UOB Lady's Card and HSBC Revolution?
- UOB Lady's Card: Earn up to 10 miles per $1 on your chosen category (per quarter), capped at $1,000 per month. Annual fee $196.20 (1st year waived) applies. Best for focused spending in one category.
- HSBC Revolution Card: Earn 4 miles per $1 on fixed categories (eligible online + contactless transactions), capped at 13,500 bonus points per month. No annual fee forever. Best for relatively straightforward online, contactless spending, and online travel* transactions.
*Until 31 Mar 2026 only
How does UOB Lady's Card compare to Citi Rewards Card?
- UOB Lady's Card: Higher earn rate (up to 10 miles per $1 with card + savings account), but capped at $1,000 bonus spend per month. UNI$ will expire after 2 years.
- Citi Rewards Card: Fixed 4 miles per $1 on eligible online and shopping transactions. No minimum spend, but miles/rewards bonus earn rate capped at $1,000 per month. Citi ThankYou Points will expire after 5 years (60 months).
Verdict: Choose UOB Lady's Card if you have heavy concentrated spend in one category; choose Citi Rewards if you prefer simplicity and longer points validity.
How does UOB Lady's Card compare to UOB Preferred Platinum Card?
- UOB Lady's Card: Up to 10 miles per $1 on one enrolled category (per quarter), bonus rewards capped at $1,000 spend per month. Best for concentrated spending in a single category.
- UOB Preferred Platinum Visa Card: 4 miles per $1 on eligible mobile wallet and online transactions, bonus rewards capped at $2,000 spend per month. Best for straightforward yet diversified mobile and online spending.
Choose UOB Lady's if you have heavy concentrated spend in one category; choose UOB Preferred Platinum Visa Card if your spending is spread across mobile wallets and online channels.
Can both men and women apply for the UOB Lady's Card?
Yes, the UOB Lady's Card is gender-inclusive. Despite the name, both males and females can apply. Eligibility is based solely on income ($30,000 for Singaporeans/PRs, and $40,000 for eligible foreigners) and residency status.