UOB

UOB Lady's Card

Miles1st year fee waived

How it earns

4 mpd in ONE category you choose (Dining, Family/supermarkets, Transport, Travel, Fashion, Beauty & Wellness, or Entertainment), up to S$1,000 a month
0.4 mpd on everything else
Category can be changed each quarter

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	32,784 miles	S$296	10 of 27
Eats out a lot S$2,050/mo	52,560 miles	S$592	6 of 27
Frequent traveller S$3,570/mo	46,800 miles	S$506	17 of 27
Family with a car S$3,050/mo	52,560 miles	S$592	7 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Miles card · Mastercard
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived; later waivers redeemed with UNI$6,500 (half waiver UNI$3,250).
Minimum income	Not published by the issuer (regulatory minimum is S$30,000 for most applicants)
Rewards currency	UNI$ (UNI$1 = 2 KrisFlyer miles)
How points are counted	Per S$5 per transaction, rounded down
Expiry	UNI$ expire two years after the quarter earned
Converting to miles	KrisFlyer or Asia Miles in blocks of 10,000 miles; S$27 per transfer.
Foreign-currency fee	3.25%

Good to know

Transport category excludes Shell and SPC petrol.
Minimum income is not shown on UOB's product page; check with UOB.

Common questions

What is the annual fee on the UOB Lady's?

S$196.20 a year including GST, waived for the first year. First year waived; later waivers redeemed with UNI$6,500 (half waiver UNI$3,250).

What income do I need for the UOB Lady's?

Not published by the issuer (regulatory minimum is S$30,000 for most applicants).

How much will I earn with the UOB Lady's?

On a typical S$2,000 a month of everyday spending, about 32,784 miles a year (≈ S$492 at 1.5¢ a mile), or S$296 after the annual fee. That ranks it 10 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the UOB Lady's?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on UOB's own page before applying. Found something out of date? Tell us.