Earn up to 6 Miles per S$1
Live the life you want. You can choose your preferred up to 25X UNI$ (10 miles per S$1) rewards category: Travel, Dining, Beauty & Wellness, Family, Fashion, Transport, Entertainment, with no minimum spend. Feel free to change your preferred category every quarter.
S$5 = 1X UNI$ (or 2 miles)
Base Earn Rate
S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
Category of Choice
1 UNI$ = 2 Miles
Rewards to Miles Conversion, no min. spend
Online Promo
Enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth over S$900) when you are the first 150 new-to-UOB credit card customers per calendar month who successfully apply and spend a min. of S$1,500 per month for 2 consecutive months from your card approval date. T&Cs apply.
Valid until 30 Jun 2024 - See more details below

Are you eligible?

    • Only open to individuals who are new to United Overseas Bank Limited (“UOB”) credit cards
    • Spend a min. of S$1,500 in Eligible Transactions per month for 2 consecutive months from your card approval date

What you need to know

  1. Participating Restaurants include: Rêve, Cure and Art di Daniele Sperindio
T&Cs

Quick Facts

Get the maximum value by

Choosing the right rewards category(ies) that earns you the most

Good for

Individuals who spend consistently and know which category to maximize up to 25X UNI$ for every S$5 spent (equivalent to 10 miles per S$1)

Categories to maximise this card

Beauty, dining, entertainment, groceries, fashion, transport, travel

What people use it for

A credit card to maximize spending in specific categories; to accumulate rewards points or air miles

Get if

You spend consistently in specific categories; enjoy accumulating and redeeming points and miles

All Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

UOB Lady’s Card Review 2024

Formerly recognised for its iconic slogan "The men don't get it," the UOB Lady's Card was renowned for offering exclusive perks solely to female UOB cardholders. However, following its recent overhaul in 2023, the UOB Lady's Card has transitioned to an inclusive offering, welcoming both women and men.

Consequently, it has emerged as one of Singapore's premier rewards credit cards. This revamped card presents an opportunity to earn up to 6 miles per dollar on spending in a selected category. Additionally, it provides valuable benefits such as complimentary e-Commerce protection for online purchases and coverage for female cancer when paired with the UOB Lady's Savings Account. Let's delve into the enhanced features of the UOB Lady's Card and explore its array of benefits.

Pros & Cons

Pros

  • Up to 10X UNI$ (or 4 miles per S$1) on 7 spending categories including beauty and wellness, dining, entertainment, groceries, fashion, transport, travel
  • Up to 25X UNI$ per S$5 spend (or 10 miles per S$1) when card is linked to a UOB Lady’s Savings Account and savings credited into it
  • First year waiver of annual fee available
  • Exclusive birthday month discounts
  • Flexibility to convert UNI$ into air miles at the conversion rate of UNI$1 = 4 miles
  • Option to redeem your UNI$ on UOB TMRW to offset bills and purchases for 7 different spending categories every quarter
  • Access to dining discounts, shopping offers, travel deals, weekly UOB Coupons, and more within UOB Rewards+ app
  • Complimentary travel insurance

Cons

  • Interest rate of 27.80%, which is higher than other cashback credit cards in the market
  • Annual fee of S$196.20 is payable after the first year (annual fee waiver only valid for first year)
  • Rewards points cap of 1,800 UNI$ per month

Compare UOB Lady's Card vs. HSBC Revolution Card vs. SCB Rewards+ Credit Card

The UOB Lady’s card offers the highest reward points/air miles for the widest variety of spending categories i.e. 10X UNI$ (4 miles per S$1) + additional up to 15X UNI$ (6 miles per S$1 only if you save with UOB Lady's Savings Account), but has an annual fee charge, unlike the HSBC Revolution card which does not charge any.

As compared to the HSBC Revolution Card and Standard Chartered Rewards+ Card, it has a stricter cap on rewards points, with a 1,800 UNI$ cap unlike the HSBC Revolution Card that has a cap of 10,000 reward points per month, but is slightly more flexible than Standard Chartered Rewards+ Card’s cap of 20,000 reward points cap per year (which breaks down to about 1,667 reward points per month).
In terms of interest rates, the Standard Chartered Rewards+ Card has the highest — 27..90% p.a. and also has the highest income requirement for foreigners.
In a nutshell, the UOB Lady's Card is great for consistent spenders (both women and men) who know which category to maximise the additional 15X UNI$ (equivalent to 6 miles per S$1), and the benefits of having a UOB Lady’s Savings Account (which is still not available to men yet).

UOB Lady's CardHSBC Revolution CardSCB Rewards+ Credit Card
Interest rate:
27.80%
Interest rate:
26.90%
Interest rate:
27.90%
Annual fee:
$196.20 (first year waiver available)
Annual fee:
None
Annual fee:
$196.20 (first year waiver available)
Minimum annual income:
$30,000 for Singaporeans and PRs
$40,000 for foreigners
Minimum annual income:
$30,000 for Singaporeans and PRs
$40,000 for foreigners
Minimum annual income:
$30,000 for Singaporeans and PRs
$60,000 for foreigners
Rewards benefits:
  • 10X UNI$ (4 miles per S$1) on on 7 spending categories including groceries, dining, travel, beauty and wellness, dining, and more
  • Additional up to 15X UNI$ (6 miles per S$1) when you save with UOB Lady's Savings Account
  • Complimentary e-Commerce insurance coverage and travel insurance
  • UOB Lady’s Card members’ special birthday month discounts
  • Convenience of converting UNI$ into air miles at the conversion rate of UNI$1 = 4 miles
  • Ease of redeeming UNI$ on UOB TMRW to offset bills and purchases for 7 different spending categories every quarter
Rewards benefits:
  • 10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent online or via contactless payments
  • 1X reward point for every $1 spent on all other categories
  • Up to 21.15% fuel savings at Caltex and Shell
  • Complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • Cap of 10,000 rewards points per calendar month on eligible purchases
  • HSBC Reward points awarded are valid for 3 years and 1 month from the date of opening of the credit card account
  • No minimum spend requirement
Rewards benefits:
  • 10X rewards points (equivalent to 4 air miles) for every S$1 spent in foreign currency
  • 5X rewards points for every S$1 spent locally
  • 1X reward point for every $1 spent on all other categories
  • First-year annual fee waiver option available upon sign up
  • Discounts and privileges at over 3,000 outlets from dining offers to shopping, travel and lifestyle benefits
  • Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment via SC EasyBill
  • 360° Rewards Point capped at 20,000 points per year
  • 360° Rewards Points awarded are valid for 3 years from the date of opening of the credit card account

Find Out More About The UOB Lady's Card In Our Blog Review!

UOB Lady's Card Application

Here are 3 simple steps to apply for the UOB Lady's Card

Step 1

Apply via MoneySmart’s credit cards page


You may begin your application by clicking on our UOB Lady's card application link.
When you choose to apply online via SingPass MyInfo, UOB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

Provide all documentation required


You’ll need to provide all the necessary documentation in order for UOB to approve your credit card application. This list of documents include:

  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 12 months’ CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)

Step 3

Receive your UOB Lady's Card


You’ll be able to activate your UOB Lady's card through UOB TMRW mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your UOB TMRW mobile app!

Frequently Asked Questions

Are there any fees if I apply for the UOB Lady's card?

The UOB Lady's card charges an annual fee of $196.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.

Am I eligible for the UOB Lady's card?

If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB Lady's card, as long as you’re aged between 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $40,000 (for foreigners).