UOB Lady's Card
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UOB · MASTERCARD
The UOB Lady's Card is a credit card from UOB on the Mastercard network. It has an annual fee of S$196.20. It earns 0.4x on everything else.
Verified 4 Oct 2026
Key facts
- Annual fee
- S$196.20
- Purchase APR
- 27.8% p.a.
- Foreign transaction fee
- 3.25%
- Network
- MASTERCARD
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 0.4x | UNI$1 per S$5 spent on all purchases, which converts to 0.4 miles per S$1 |
Benefits and perks
- First-year annual fee waived.
- 10X UNI$ per S$5 (4 miles per S$1) on one rewards category you choose: fashion, dining, travel, beauty and wellness, family, transport or entertainment.
- Up to 15X more UNI$ on that category with a UOB Lady’s Savings Account balance.
Questions about the UOB Lady's Card
What is the annual fee on the UOB Lady's Card?
The UOB Lady's Card has an annual fee of S$196.20.
What rewards does the UOB Lady's Card earn?
The UOB Lady's Card earns 0.4x on everything else.
Is the UOB Lady's Card worth it?
The UOB Lady's Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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