UOB Lady's Card review: 4 miles per $1 on the one category you pick

The UOB Lady's Card pays 4 miles per $1 on one category you pick, and 0.4 on everything else. The choice is most of the card. The catch is the $1,000 monthly cap, and that categories follow the shop's merchant code, not what you think you bought.

Here's what it earns, what's inside each category, the cap, the rounding, the fees, and a worked year you can redo with your own spending.

The UOB Lady's Card at a glance

Figures from the UOB Lady's Cards terms (updated August 2025, Version 1.1), the UOB product page and UOB's miles conversion page, checked 1 Nov 2026. This review is about the Lady's Card itself. The Lady's Solitaire cards let you pick two categories, and have a higher cap and a higher fee.

Who can apply for the UOB Lady's Card?

Despite the name, UOB's product page sets two conditions: you're 21 or over, and you meet the income requirement above (or place a fixed deposit of at least $10,000 as collateral). There's no gender condition on the page as at 1 Nov 2026.

Bottom line: the name isn't a condition.

How does the UOB Lady's Card earn miles?

The card earns UNI$, UOB's reward points. Each UNI$ converts to 2 miles with KrisFlyer (Singapore Airlines) or Asia Miles (Cathay Pacific), under clause 3 of the terms.

There are two layers: - Base UNI$: UNI$1 per $5 on all eligible spend (clause 2b). That's 2 miles per $5, or 0.4 miles per $1. - Bonus UNI$: an extra 9X UNI$ per $5 in your category (clause 2c). Together that's 10X UNI$ per $5, which is 20 miles per $5, or 4 miles per $1.

A $100 dinner in your chosen category: $100 ÷ $5 = 20, then 20 × 10 = 200 UNI$, which is 400 miles. Outside your category it earns 20 × 1 = 20 UNI$, which is 40 miles.

Bottom line: the real rate is a blend. Half your spending in your category and half outside is closer to 2.2 miles per $1 overall than to 4.

Which category can you choose, and what's inside each?

Schedule 1 lists seven categories, each defined by merchant category codes (MCCs): the four-digit code a shop's bank gives it to say what kind of business it is. The code is about the shop, not what you bought.

A few things that surprise people: - Bars are Entertainment, not Dining. - Petrol is in Transport. So is a taxi or a ride-hailing trip. - "Family" means supermarkets and children's wear shops, not everything a family buys. - Travel means the airline or hotel itself. UOB's wording is merchants whose main business is flights or hotels, so some other travel sites may not be coded as Travel.

Schedule 1 also says a shop's code may not match its business, so UOB can't guarantee a purchase lands in your category.

Bottom line: choose from your last three months of statements, sorted by these seven groups.

How do you choose, and when can you change it?

You register your category at uob.com.sg/ladys-enrol (clause 5). The rules on timing: - Your first choice applies to the quarter you make it in. - Any later change applies from the next quarter. Quarters are calendar quarters: January to March, April to June, July to September, October to December. - UOB uses the last choice made by 11.59pm the night before the new quarter starts. - If you do nothing, your current category carries on.

Say you register on 20 November and pick Family. Family applies from October to December. For Travel during a February trip, you'd change it before 11.59pm on 31 December.

Bottom line: a big trip can get its own Travel quarter, if you change before the quarter begins.

The $1,000 a month cap

Clause 6a caps the bonus at 1,800 bonus UNI$ per calendar month. At 9 bonus UNI$ per $5, that's 1,800 ÷ 9 × $5 = $1,000 of spending in your category. Past that, purchases in your category still earn the base 0.4 miles per $1.

From clause 8: the month is a calendar month, not your statement cycle, and purchases count on the date they post, so a dinner on the 31st may count towards the next month. Bonus UNI$ arrive by the end of the following month.

Bottom line: well above $1,000 a month in your category, the average rate falls quickly.

Why small purchases can earn less than 4 miles per $1

The terms award UNI$ "for every S$5.00 spent", so an amount that doesn't fill a $5 block earns nothing. They don't spell out whether the blocks are counted per purchase or on a month's total. Sum's card optimiser counts the base per purchase and the bonus on the month's category total. A sample month of dining, both ways:

Sum's way, the bonus is on the $55.10 total: $55.10 ÷ $5 = 11 full blocks, then 11 × 9 = 99 bonus UNI$. Add the 9 base UNI$ for 108 UNI$, or 216 miles, which is 3.92 miles per $1. Per purchase, it's 9 + 81 = 90 UNI$, or 180 miles, which is 3.27 per $1.

Bottom line: 4 miles per $1 is the rate on round, larger amounts.

What doesn't earn UNI$

Clauses 32, 34 and 35 list what earns nothing at all, in any category. As at 1 Nov 2026 they include: - bill payments, NETS, instalment plans, cash advances, fees and interest; - top-ups to prepaid accounts and wallets, with named examples such as EZ-Link, YouTrip and anything starting "PAYPAL*", plus AXS and Amaze; - merchant codes for utilities, insurance, rent paid to property agents, parking, hospitals, schools, charities and government services, including tax.

A purchase paid through PayPal shows "PAYPAL*" on the statement, so it earns nothing even if the shop is in your category.

Bottom line: leave insurance premiums, electricity and income tax out when you work out what the card earns you.

The Lady's Savings Account bonus

Hold a UOB Lady's Savings Account and, under its rewards terms (as at 1 February 2026), your chosen category earns extra UNI$ based on the monthly average balance: the sum of each day's closing balance divided by the number of days in the month.

It's open to UOB Personal, Wealth and Privilege Banking customers (clause 2.1), on the same $1,000 a month cap (clause 2.7).

Bottom line: the extra miles depend on keeping money in that account, so compare what it would earn elsewhere.

Fees, expiry and turning UNI$ into miles

The principal card's annual fee is $196.20 including GST, waived for the first year (clause 27). The first supplementary card is free. The second is $98.10.

UNI$ expire two years after the last day of the quarter they were earned in, according to the product page. So UNI$ earned in November 2026 last until the end of December 2028.

Converting costs $27 per conversion, in blocks of UNI$5,000, which is 10,000 miles, according to UOB's miles page. Three conversions a year cost 3 × $27 = $81.

Overseas spending is converted to Singapore dollars at UOB's rate before UNI$ are worked out (clause 10), and UOB's foreign currency fee applies on top.

Bottom line: expiry is the one clock to watch on this card.

How it compares on miles per $1

The cards that pay about 4 miles per $1 in a specific type of spending, with a bonus cap of about $1,000 a month, as at 24 Oct 2026, from each bank's terms:

The difference is mostly where the bonus applies. On the Lady's Card, you decide. The miles cards post sets these alongside the cards that pay one rate on everything.

A worked year

Say Wei Jie is 35 and puts $1,500 a month on the card: $700 on dining, $300 at supermarkets and $500 on everything else that earns UNI$. Made-up example.

The gap between the two choices is 37,440 − 20,160 = 17,280 miles a year, a little less after rounding.

If his dining were $1,300 a month instead of $700, the bonus stops at $1,000: (1,000 × 4) + (300 × 0.4) = 4,120 miles from dining, not 5,200.

From the second year, the card costs him the $196.20 fee plus 3 × $27 = $81 to convert 30,000 miles: $277.20.

Bottom line: swap in your own top category and its monthly total. The calculator page does the same sums for a few typical months: UOB Lady's Card on the card rewards calculator.

Three things to remember

1. 4 miles per $1 in the one category you pick, 0.4 on everything else. The choice is the card.
2. The bonus stops at $1,000 a calendar month, and amounts that don't fill a $5 block earn nothing.
3. Choose from your statement, not your guess, and change it before the quarter starts if a trip is coming.

Ethan's rating

6.5out of 10

Earn rate

• Very low
• Low
• Moderate
• High
• Very high

Effort to earn

• Effortless
• Easy
• Some effort
• Shiong
• Very shiong

Value for the fee

• Way overpriced
• Overpriced
• Fair
• Good value
• Great value

Against other miles cards

2.24 miles per $1 on averageMiles cards: average miles per $1 on the same $1,500 month of everyday spending, worked out by Sum's card calculator.

• Bottom
• Below average
• Average
• Above average
• Top

Where it earns

• DiningBonus rate
• GroceriesBonus rate
• TransportBonus rate
• OnlineLow
• TravelBonus rate
• OverseasLow
• Everything elseLow

Only the one category you pick earns the bonus.

One person's opinion, from the terms in this review. Your own spending decides what a card is worth to you.

Track it in Sum

Import your card statements. Spending by category shows which group leads. Set your chosen category in Sum to match the one you registered with UOB, and the card optimiser counts the bonus on that category only, the $5 blocks included. The tracker shows how much of the $1,000 you've used this month.

Ethan

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