Miles vs Cashback

UOB Lady's Card

A rewards card that lets you pick your own bonus category each quarter to earn boosted miles, with a low income bar.

Issuer
UOB
Rewards
Miles
Annual fee
Annual fee, often waivable
Beginner-friendly
DiningTravelGeneral spend

Pros

  • +You choose your own 4 mpd bonus category (dining, travel, fashion, beauty & wellness, family, transport or entertainment) and can change it every quarter
  • +Low S$30,000 income bar makes it accessible to fresh-grads and first-time miles cardholders
  • +First-year annual fee waived; UNI$ convert to miles at a 2:1 ratio across multiple airline programmes
  • +Pairing with the UOB Lady's Savings Account can lift the bonus rate up to 10 mpd

Cons

  • −The 4 mpd bonus applies to only one category at a time and is capped at S$1,000 of spend per calendar month on the standard card
  • −Base rate of 0.4 mpd on all non-bonus and most foreign spend is weak
  • −No complimentary airport lounge access
  • −UNI$ expire after 2 years and transfers require a 5,000 UNI$ minimum block, which is awkward for low spenders
Annual feeS$196.20as of 16 Jun 2026
Miles per $1 (local)0.4 mpdas of 16 Jun 2026
Min. income (S'porean/PR)S$30,000/yras of 16 Jun 2026
Min. income (foreigner)S$40,000/yras of 16 Jun 2026

Eligibility: Minimum annual income S$30,000 for Singapore Citizens/PRs aged 55 and below (S$15,000 for those 56 and above) and S$40,000 for foreigners; a secured option is available against a fixed deposit of at least ~S$10,000. Min age 21.

Who it’s for

The UOB Lady's Card is a air miles card from UOB, best suited to people who spend on dining, travel and general spend. It's beginner-friendly. It carries an annual fee that can often be waived. Confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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