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MALAYSIA 2026-09-04 VERIFIED
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CARDS / United Overseas Bank (UOB)

UOB Lady's Card

United Overseas Bank (UOB) · Singapore · MILES · Verified 4 Sept 2026

ANNUAL FEE

S$196.20 (incl. GST)

First year fee waiver (not applicable to cancelled-and-reapplied applicants); 1st supplementary card free, subsequent S$98.10

INCOME REQUIREMENT

S$30,000/year (SG/PR aged 55 and below); S$15,000/year (56+); S$40,000/year (foreigners); or S$10,000 fixed deposit collateral

MILES

up to 10 mpd (25X UNI$ per S$5) on preferred categories with Lady's Savings Account MAB S$100k+; 4 mpd without savings account; 1X UNI$ base on all spend

Expiry: not disclosed (UNI$ conversion to KrisFlyer miles)

■ CATEGORY RATES

preferred rewards categories (Fashion, Dining, Travel, Beauty & Wellness, Family, Transport, Entertainment) 4 · CAP 10X UNI$ per S$5 (4 miles/S$1) base+bonus, no minimum spend
all other spend 0.4 · CAP 1X UNI$ per S$5 (base)

NOTES

Choose up to 2 preferred rewards categories, changeable quarterly. With UOB Lady's Savings Account: 15X/20X/25X UNI$ per S$5 (6/8/10 miles per S$1) at MAB S$10k-49,999 / S$50k-99,999 / S$100k+. No minimum spend for bonus UNI$. Fee effective 1 Jan 2024.

SOURCE

https://www.uob.com.sg/personal/cards/rewards/ladys-card/index.page

UOB official product page (Eligibility and Fees section), verified via browser

Verified 4 Sept 2026. Terms change — always confirm on the official site.