UOB Lady's Card

Earn rates

• preferred category (1 for Lady's Card, 2 for Solitaire; change quarterly): 10X UNI$ per S$5 = 4 mpd, no min spend
• with Lady's Savings Account MAB S$10k/50k/100k: +5X/+10X/+15X UNI$ = up to 10 mpd
• other: UNI$1 per S$5 = 0.4 mpd

Category MCCs: Beauty&Wellness 5912,5977,7230,7231,7298,7297; Dining 5811,5812,5814,5499; Entertainment 5813,7832,7922; Family 5411,5641; Fashion 5311,5611,5621,5631,5651,5655,5661,5691,5699,5948; Transport 4111,4121,4789,5541,5542; Travel = airlines/hotels by main business (UOB Lady's T&C)

Source: https://www.uob.com.sg/personal/cards/rewards/ladys-card/index.page · last checked 2026-10-22

Caps

Bonus UNI$ cap per calendar month: Classic/Platinum/World MC 1,800 UNI$ (=S$1,000 spend); Solitaire 2,700 (=S$1,500, S$750 per category); Solitaire Metal 3,600 (=S$2,000)

Source: https://www.uob.com.sg/personal/cards/rewards/ladys-card/index.page · last checked 2026-10-22

Minimum spend

0

Source: https://www.uob.com.sg/personal/cards/rewards/ladys-card/index.page · last checked 2026-10-22

Conversion

UNI$1 = 2 miles (blocks of 10,000 miles)

Source: https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf · last checked 2026-10-22

Exclusions (summary)

descriptors AXS*, AMAZE*, EZ-LINK*, FLASHPAY*, TRANSIT*, YOUTRIP, IPAYMY*, SMOOVE PAY*, SINGPOST-SAM*, RazerPay*, forex/CFD brokers (clause 35)

Excluded MCCs: 4900, 4829, 5199, 5960, 5965, 5993, 6012, 6050, 6051, 6529, 6530, 6534, 7511, 6211, 6300, 6513, 6540, 7349, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8699, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405

Clause 34 table

Source: https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf · last checked 2026-10-22

Sign-up gift

No current sign-up gift in our verified snapshot (or not shown on the bank page when checked).

No sign-up gift shown on official page

Source: https://www.uob.com.sg/personal/cards/rewards/ladys-card/index.page · last checked 2026-10-22