Card review

UOB Lady's Card review (2026): which category to choose

UOB Lady's Card card art

Despite the name, open to everyone. Pick one bonus category — dining, groceries, even travel — and earn a clean 4 mpd on it with no minimum spend. The simplest way to cover whichever category your other cards miss.

UOBMASTERCARDS$196.20/yr, first year freeMin income S$30k0.4 mpd elsewhere
Apply nowOpens UOB's official page

Great for

DiningGroceriesTravel BookingsSpend outside your chosen category

Use it for

4mpd

on one category you choose — dining, groceries, travel, transport, fashion…

Capped at S$1,000/calendar monthOnly your chosen category
Switch your category quarterly in the UOB app. No minimum spend.

Watch out for

  • The 4 mpd applies to ONE chosen category only — set it in the UOB app, switchable quarterly.

Other cards to compare

UOB Preferred Visa card artUOB Preferred VisaTap your phone anywhere, earn 4 mpd.Read review →HSBC Revolution card artHSBC RevolutionPermanent 4 mpd online + contactless, no annual fee ever.Read review →DBS Woman's World Card card artDBS Woman's World Card4 mpd online — including flights and hotels.Read review →

UOB Lady's Card FAQs

Which bonus category should I choose?

Whichever your other cards don't cover — for most beginner setups that's Dining or Family (supermarkets). Travel is strong if you book big trips. You can switch quarterly in the UOB app.

Can men apply for the UOB Lady's Card?

The miles blogs have repeatedly confirmed applications are open regardless of gender — only the branding is gendered. If in doubt, check with UOB before applying.

What's the difference vs the Lady's Solitaire?

Solitaire picks two categories but was nerfed to S$750 sub-caps in Aug 2025 and needs a much higher income. The plain Lady's Card, with one category and a clean S$1,000 cap, is now the more attractive pick.

Where this card wins

Best miles cards for diningRestaurants, cafés and date nights — minus the fast-food fine print.See our pick →Best miles cards for groceriesSupermarkets are quietly excluded from most bonuses. Here's the workaround.See our pick →Best miles cards for travel bookingsFlights, hotels and OTAs — where the wrong card quietly earns 10× less.See our pick →

Last updated 4 July 2026. Earn rates and caps change — confirm details on the bank's site before applying. Spot an outdated rate?