UOB Lady's Card
Miles card by UOB · Easy · No minimum spend
Earns 4 mpd on your chosen bonus category. Everything else in S$ earns 0.4 mpd. Annual fee: S$196.20.
Checked against UOB's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Your chosen bonus category | Any way of paying | 4 mpd |
| Everything else, in S$ | Any way of paying | 0.4 mpd |
| Everything else, in a foreign currency | Any way of paying | 0.4 mpd |
The bank's full earning rules
- Base: UNI$1 per S$5 spent (0.4 mpd).
- Preferred Rewards Category: additional 9X UNI$ per S$5 (10X total, 4 mpd).
- Bonus cap: 1,800 bonus UNI$ per calendar month, which equals S$1,000 of spend.
- Bonus is calculated per S$5 block of spend and credited by the end of the following calendar month.
- Foreign currency spend is converted to SGD and counts towards rewards.
Where the bonus applies
- Beauty & Wellness: drug stores, cosmetics, barbers and beauty salons, spas, massage (MCC 5912, 5977, 7230, 7231, 7297, 7298)
- Dining: caterers, restaurants, fast food and food delivery (5811, 5812, 5814, 5499)
- Entertainment: bars and nightclubs, cinemas, theatre and ticket agencies (5813, 7832, 7922)
- Family: supermarkets and grocery stores, children's wear (5411, 5641)
- Fashion: department stores, clothing, shoes, luggage and leather (5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948)
- Transport: public transport, taxis and limousines, travel services, petrol stations (4111, 4121, 4789, 5541, 5542)
- Travel: major airlines and hotels whose main business is flights or hotels only
Earns nothing on
- Bill payments and NETS transactions
- 0% instalment plans, SmartPay, personal loans and LuxePay plans
- Online money transfers, balance transfers, funds transfers and cash advances
- Fees, interest, finance charges, late charges and annual fees
- Reversals, void transactions and chargebacks
See all 9
- Bill payments and NETS transactions
- 0% instalment plans, SmartPay, personal loans and LuxePay plans
- Online money transfers, balance transfers, funds transfers and cash advances
- Fees, interest, finance charges, late charges and annual fees
- Reversals, void transactions and chargebacks
- Top-ups of prepaid accounts (e.g. EZ-Link) and payments via AXS, PayPal and other listed descriptors
- Securities, brokerage, gambling and trading
- Amounts under the UOB Payment Facility
- Excluded MCCs: 4829, 4900, 5199, 5960, 5965, 5993, 6012, 6050–6051, 6211, 6300, 6513, 6529–6530, 6534, 6540, 7349, 7511, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405
Fees and limits
Good to know
Pick 1 category in UOB's app; you can change it each quarter (it carries over if you don't). Set the same one here.
UOB's "Family" category is shown here as Groceries (supermarkets 5411 and children's wear 5641). UOB's "Transport" includes taxis, public transport and petrol.
Up to 25X UNI$ is possible with a UOB Lady's Savings Account; Cardinko only counts the card's own 10X.
Where these facts come from
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