Review: UOB Lady’s Card & Lady’s Solitaire

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"The men don't get it", says the tagline for the UOB Lady's Card and Lady's Solitaire. Are they missing anything? Find out in this review.

Here’s the Milelion’s review of the UOB Lady’s Card, Singapore’s first-ever dedicated card for ladies. Launched back in 1989, this card is reportedly found in the wallet of one in five Singaporean women, a figure that UOB expects to grow to one in three within the next five years. 

If you’re reading this and have all the right bits, you should definitely add yourself to that number. 

💳 tl;dr: ★★★★ (Lady’s Card)
★★★★1/2 (Lady’s Solitaire)
With the flexibility to change your bonus category every quarter, the UOB Lady’s Card can serve many roles in your wallet. What’s more, the Solitaire version comes with a S$3K monthly cap on 4 mpd, making it almost essential. If you’re a lady, you need this card. 
The goodThe bad
  • Lets you choose a different 4 mpd category every quarter
  • Very high monthly 4 mpd cap for the Lady’s Solitaire
  • Only for women
  • S$5 earning blocks and SMART$ merchants
This UOB Lady’s Card review forms part of my collection of credit card reviews. I’m constantly adding new ones, and you can browse the entire collection here.

Overview: UOB Lady’s Card

Let’s start this review by looking at the key features of the UOB Lady’s Card.

Income Req.
S$30,000 p.a.
Points Validity
2 years
S$120,000 p.a. (Solitaire) 
Annual Fee
(Lady’s-First Year Free)

5,000 UNI$
(10,000 miles)

(Solitaire-First Year Free)
Miles with
Annual Fee
  • SIA
  • Cathay Pacific
FCY Fee3.25%Transfer FeeS$25
Local Earn0.4 mpdPoints Pool?Yes
FCY Earn0.4 mpdLounge Access?No
Special Earn4 mpd on your choice of 7 categoriesAirport Limo?No
Cardholder Terms and Conditions

Note that unlike the gender-egalitarian DBS Woman’s World Card, the UOB Lady’s Card is strictly for women only. Men cannot get this card, even as a supplementary cardholder.

Not all is lost, however. A simple workaround is for a wife to apply for the card and add it to her husband’s mobile wallet. He can then transact as if he were her- although they’ll have to share the monthly 4 mpd cap. 

Do note that UOB actually has four different Lady’s Cards (there’s also a debit card, but we’ll ignore it here):

  • UOB Lady’s Classic Card
  • UOB Lady’s Platinum Card
  • UOB Lady’s Solitaire Card
  • UOB Lady’s Solitaire Metal Card

The UOB Lady’s Classic and Lady’s Platinum Cards are basically the same. They have the same annual fee (S$192.60), and each enjoys one quarterly bonus category (see below). 

The UOB Lady’s Solitaire and Lady’s Solitaire Metal Card both enjoy two quarterly bonus categories (again, see below), but the Metal Card is slightly more premium.

UOB Lady’s Solitaire Metal Card

It’s an invite-only offering with a higher annual fee (S$588 vs S$406.60), and has additional benefits courtesy of its World Elite Mastercard badge. These include one complimentary airport transfer and six complimentary lounge visits per year. 

Do note that you can only hold one Lady’s Card at a time. If you’re a UOB Lady’s Card member and apply for a UOB Lady’s Solitaire, your existing card will be cancelled at the time of approval (and vice versa). 

How much must I earn to qualify for a UOB Lady’s Card?

uob lady's card income requirement

The UOB Lady’s Card is positioned at the entry level, with a S$30,000 annual income requirement. If you do not meet the minimum annual income, you can place a S$10,000 fixed deposit with UOB to get a secured version of the card. Visit any UOB branch for further details. 

The UOB Lady’s Solitaire has a much higher income requirement of S$120,000, putting it in the so-called mass affluent tier. If you do not meet the minimum annual income, you can place a S$30,000 fixed deposit with UOB to get a secured version of the card. 

How much is the UOB Lady’s Card annual fee?

First YearFreeFirst 1 Free,
S$96.30 after
FreeFirst 2 Free,
S$192.60 after
SubsequentS$192.60First 1 Free,
S$96.30 after
S$406.60First 2 Free,
S$192.60 after

The UOB Lady’s Card has an annual fee of S$192.60, which is waived for the first year. The fee for the first supplementary card is waived in perpetuity, with the second card onwards charged at S$96.30 per year.

The UOB Lady’s Solitaire has an annual fee of S$406.60, also waived for the first year. The fee for the two supplementary cards is waived in perpetuity, with the third card onwards charged at S$192.60 per year.

⚠️ Beware the auto UNI$ deductions!
Do note that UOB will automatically deduct 6,500 UNI$/10,000 UNI$ from your account when the UOB Lady’s/Lady’s Solitaire annual fee is due! It’s up to you to watch for this and request a waiver when it happens- be sure to check your e-statement. If you have insufficient UNI$, you will be charged in cash.

How many miles do I earn?

SGD SpendingFCY SpendingBonus Spending
0.4 mpd0.4 mpd4.0 mpd on your choice of 7 categories

SGD/FCY Spending

UOB Lady’s Card and Lady’s Solitaire both earn 1 UNI$ for every S$5 spent in Singapore Dollars or foreign currency (FCY).

1 UNI$ is worth 2 airline miles, so that’s an equivalent earn rate of 0.4 mpd for both local and FCY spending. 

All foreign currency transactions are subject to a 3.25% fee. 

Bonus Spending

Before March 2019, there was absolutely no point getting a UOB Lady’s Card. Despite its female-friendly marketing, the product itself was a dumpster fire, earning just 2 mpd on shopping and taxi rides provided cardholders spent at least S$3,000 per month, and capped at S$5,000 per month. 

Then all that changed. UOB gave the Lady’s Cards a makeover, an all of a sudden they became must-haves for the fairer sex. 

UOB Lady’s Card and Lady’s Solitaire members earn a bonus 9 UNI$ for every S$5 spent in Singapore Dollars or FCY on their choice of bonus categories. That’s an equivalent earn rate of 4 mpd, capped at S$1,000 (Lady’s Card)/ S$3,000 (Lady’s Solitaire) per calendar month. 

UOB Lady’s Card members can pick one bonus category, while Lady’s Solitaire members can pick two

(1) Beauty & Wellness5912, 5977, 7230, 7231, 7298, 7297Discount, Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlors
(2) Dining5811, 5812, 5814, 5499Caterers, Eating places and Restaurants, Fast food restaurants and food deliveries
(3) Entertainment5813, 7832, 7922Bars, Taverns, Lounges and Nightclubs, Motion Picture Theatres, Theatrical Producers and Ticket Agencies
(4) Family5411, 5641Grocery stores, Children and Infants wear store
(5) Fashion5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948Department Stores, Men’s and Boy’s Clothing and Accessories Store, Women’s Ready-to-wear Stores, Women’s Access and Specialty, Family Clothing Stores, Sports and Riding Apparel Stores, Shoes Stores, Men’s and Women’s Clothing Stores, Miscellaneous Apparel and Accessories Shops, Luggage and Leather Stores
(6) Transport4111, 4121, 4789, 5541, 5542Local Commuter Transport, Taxi, Cabs, Limousines and Travel Service, Service Stations and Automatic Gas Dispensers
(7) TravelCredit card retail transactions made at major airlines and/or hotels with their main business activity classified as flights and/or hotels only
Even though UOB Lady’s Solitaire members can pick 2 bonus categories, their monthly 4 mpd cap is S$3,000 in total. Note that you can only hold the Lady’s Card or the Lady’s Solitaire at any one time

These categories can be changed every calendar quarter– a fantastic feature, because it means this card can be different things to you at different times. 

For example, if you’re shelling out for an expensive beauty package this quarter, pick “beauty & wellness”. If you’re going on an overseas trip, pick “travel”. There’s no other card in Singapore that gives this kind of flexibility.

💍 Interlude: The Wedding Plan(ner)

The UOB Lady’s Solitaire can also be extremely useful for couples planning to get married who don’t have access to sign-up bonuses.

Step 1: You each get a UOB Preferred Platinum Visa and a UOB Visa Signature. The lady also gets a UOB Lady’s Solitaire and declares “travel” as the bonus category.

Step 2: Each month, you pay off S$9.2K of your wedding banquet, split into S$1.1K on the UOB Preferred Platinum Visa x2 (via contactless), S$2K on the UOB Visa Signature x2 (via contactless), and S$3K on the UOB Lady’s Solitaire x1. This nets you 36.8K miles (remember, “travel” includes local hotels too, under which your banquet is charged) per month.

Step 3: Rinse and repeat.

Although you normally need to look out for SMART$ merchants with UOB cards, it appears that the UOB Lady’s Card is an exception (thanks @ XYZ). 

Cardholders have reported still receiving the bonus 9X points for transactions at SMART$ merchants, an earn rate of 3.6 mpd. 

When are UNI$ credited? 

The base 1 UNI$ per S$5 is credited when the transaction posts, usually in 1-3 working days. The bonus 9 UNI$ per S$5 is credited by the end of the calendar month after the transaction. 

Base Points (1X)Credited when transaction posts
Bonus Points  (9X)
Credited by the end of the following calendar month

How are UNI$ calculated?

Here’s how you can work out the UNI$ earned on your UOB Lady’s Card:

Base Points (1X)Round down transaction to the nearest S$5, divide by 5, then multiply by 1.0
Bonus Points  (9X)
Sum all eligible transactions (including cents), round down total to the nearest S$5, divide by 5, then multiply by 9.0

Even though UOB rounds your transactions down to the nearest S$5 before awarding points, the way in which the Lady’s Card calculates points means you will still earn something on transactions smaller than S$5. That’s because eligible transactions are summed up before bonus points are calculated. 

To illustrate, suppose you make three transactions on your bonus category in a month- S$4.50, S$15 and S$20. Here’s how many points you’ll earn:

SpendBase Points (1X)Bonus Points (9X)
S$4.500(4.5+15+20) round down to nearest 5, divide by 5 and multiply by 9

A total of 70 UNI$ will be earned, or 140 miles. Notice how the S$4.50 transaction earns no base points, but still counts towards the aggregated bonus points calculation. 

If you’re an excel geek, here’s the formulas you need to calculate your points: 

Base Points (1X)=ROUNDDOWN (X/5,0)*1
Bonus Points  (9X)
= ROUNDDOWN (Y/5,0)*9
Where X= Amount Spent, Y= Total Eligible Spending

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

What transactions aren’t eligible for UNI$?

A full list of transactions that do not earn UNI$ can be found in the T&C. I’ve highlighted a few noteworthy categories below:

  • Insurance
  • Education
  • Charitable Donations
  • Real Estate Agents & Managers
  • Government Services 
  • GrabPay top-ups

Don’t bother using the UOB Lady’s Card for CardUp/ipaymy/RentHero transactions, as you’ll earn 0.4 mpd at best. 

What do I need to know about UNI$?

UNI$ expire after 2 years, and pool across cards. If you have 10,000 UNI$ on the UOB Lady’s Card, and 5,000 UNI$ on the UOB Preferred Platinum Visa, you can redeem 15,000 UNI$ at one shot and pay a single conversion fee.

It also means that you don’t need to transfer your UNI$ out before cancelling the UOB Lady’s Card, assuming it’s not your last UNI$-earning card. 

UNI$ transfer to frequent flyer programs at a 1:2 ratio, with a minimum transfer block of 5,000 UNI$. 

Frequent Flyer ProgrammeConversion Ratio
(UNI$: Partner)
krisflyer logo5,000: 10,000
asia miles logo5,000: 10,000

Transfers cost S$25 per program, regardless of how many points are transferred.

UOB also has an auto-conversion option for KrisFlyer, which costs S$50 per year. UNI$ will be automatically converted on the last day of the calendar month, in blocks of UNI$2,500 (half the regular conversion block). 

However, you’ll need to keep a minimum balance of UNI$15,000 (30,000 miles) in your account at all times, for reasons I do not understand. UOB gives the following explanation:

Why must a minimum balance of UNI$15,000 be kept KrisFlyer auto conversion programme?

This is to give card members the flexibility to convert the UNI$ to other items from UOB Rewards Catalogue. Card members can still choose to convert this UNI$15,000 to KrisFlyer miles by the one time miles redemption process through UOB Rewards Catalogue, subjected to S$25 conversion fee and must be in blocks of 10,000 miles

I call B.S on this, but there you have it. 

You can enroll for the automatic conversion program here

Other card perks

The UOB Lady’s Solitaire Metal Card is a World Elite Mastercard, the highest tier of Mastercard there is. Members will be entitled to the following privileges, among other things:

It’s also worth noting that unlike the UOB PRVI Miles, UOB Preferred Platinum Visa, UOB Preferred Platinum AMEX or KrisFlyer UOB Credit Card, spending on the UOB Lady’s Card will count towards bonus interest on the UOB One account. This makes it the only miles-earning vehicle you can pair with the account, and worth considering if you bank with UOB. 

Summary Review: UOB Lady’s Card

UOB Lady’s Card | UOB Lady’s Solitaire 

The UOB Lady’s Card takes the traditional rewards card formula and gives it a unique spin. The ability to choose your preferred bonus category means this could be a dining card, a travel card, a shopping card, or something else, depending on your needs at the time. 

The 4 mpd monthly cap of S$3K for the Solitaire is also significantly higher than any other rewards card out there, and can really help big spenders rake in the miles quickly. The card does come with a higher annual fee of S$406.60, but it can be waived for the first year at least. I’d love to hear some data points about whether fees can be waived subsequently, because as much as I love a high 4 mpd cap, I’m not sure it’s worth paying for. 

It’s just a shame that the product is gender-specific, because it’s got such a wide range of use cases for miles chasers. If you’re a lady who’s into miles, this absolutely needs to be one of the cards you use. 

So that’s my review of the UOB Lady’s Card. What do you think?

Overall Score
Ratings Guide
5 Stars
An essential card for miles chasers, with few viable alternatives 
4 Stars
A very good card, although other equally good alternatives may exist
3 Stars
A decent card to round out your collection, but not absolutely essential
2 Stars
Very limited use cases, and outperformed by most other cards
1 Star

Paperweight. Use for picking teeth or ninja stars
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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This card is basically the only dining card that gives 4mpd on dining since the unicorn disappeared…



You only earn 2% SMART$ for transactions >$100 at Dairy Farm group merchants, anything less you get 0.3%.

Better to use another cards for this 🙂


Heard that UOB relaxed the min income requirements on the Solitaire for the last 2-3 months to encourage signups. My cousin managed to get it and she earns about 60k pa.


I’ve been using the card for a year and here are some things that may / may not be mentioned above: 1. SMART$ vs UNI$: My personal experience: Guardian is a SMART$, meaning that I get SMART$1 instead of UNI$1, but I still get the bonus UNI$9. So I wouldn’t necessarily avoid SMART$ merchants 2. The way bonus UNI$ for the selected categories are calculated may make it worthwhile to make transactions that are less than S$5. The bonus spend is aggregated by calendar posting month and then divided by 5. 3. Grabfood isn’t counted under Dining. A bit of… Read more »


PPV does not get the bonus UNI$9. But XYZ’s point is specific to the Lady’s card, and worth a clarification.


Yes, I mean specifically for the Lady’s card, sorry.

I think it’s due to the way the bonus UNI$9 are calculated, as under point 2.

CS told me it was so, I have a partially redacted points statement here as well (ignore the dining highlight, it’s under health & beauty)

Last edited 1 year ago by XYZ

Wow, didn’t know UOB provides such points statements. Can anyone just call UOB’s customer service to request a copy FOC anytime?


Yes you can and you actually should. Not only does UOB classify transactions differently from other merchants (ie. GrabFood doesn’t get booked correctly), they are also very inflexible on awarding bonus points (they also don’t have an explanation for me as to why they seem to be the only bank who cannot identify GrabFood) The health and beauty category is also a big headache your large purchases are probably spa / facial packages and in my experience they NEVER get booked under the correct MCC. So you’re looking at a loss of a lot of miles. I am actually in… Read more »


Recently I tried to request a copy of the points statement from UOB but was rejected flatly by the CS. He rather check the transactions I had doubts on for me one by one via phone. Not sure if XYZ just happened to be lucky with a nice CS rep…


I’m wondering if discriminating by gender is even legal in Singapore for generic products like credit cards? I wonder what the reaction would be if a bank were to launch a card or a savings account for men only…


Find it extremely distasteful that the only points/miles card which spending qualifies for bonus interest for the One account is available only to women. It’s as if UOB is telling us that men on average earn/save/spend than women, thus would cost the bank too much from paying out the bonus interest/points to make sense – very misogynistic and counter-intuitive when the card purportedly espouses the strength and beauty of the modern woman…


insurers are allowed to discriminate and routinely charge younger women significantly more on health insurance products (looking at you, Aviva and Manulife).

health insurance is a need. miles chasing is not (no matter how it may feel to us lol). so the answer to your rhetorical question is: women are discriminated against in other financial products and we deal with it.

i wouldn’t mind reversing the deal and paying a $1,000 less in insurance premiums, but maybe that’s just me


Health insurers do not only discriminate against women. They are equal opportunity discriminators when it comes to making a profit. Health insurers routinely discriminate against the obese, underweight, aged, autistic, infirm, disabled, previous claimants and anybody with a hint of medical history. More young females need gynecologists more than young males need andrologists. It’s just the actuaries counting the beans. Having a card for women only might be based on some target group analysis by the bank and if this is so then fair enough. Banks are for-profit, not for-charity. Otherwise they would be called charities. Agree with XYZ. We… Read more »


Personally, the most interesting discovery is the fact that Lazada and Qo100 are classified under Fashion, but Shopee is not.

Wrt annual fee waiver, yes, they waived off mine this year for Solitaire. My spend on that card is actually not very consistent as I favour VS whenever I can paywave. My estimate is I spent less than $1K every few months on Solitaire.


Also got my annual fee on the lady’s solitaire waived, and I do not use the card much as i default to the PPV. My categories are transport and dining, so I think I spent $250 on average each month, and near zero in the recent few months.


Feedback / warning: You should monitor your bonus transactions like a hawk, and even then you may get alot less miles than expected. Not only does UOB classify transactions differently from other merchants (ie. GrabFood doesn’t get booked correctly), they are also very inflexible on awarding bonus points (they also don’t have an explanation for me as to why they seem to be the only bank who cannot identify GrabFood) The health and beauty category is also a big headache your large purchases are probably spa / facial packages and in my experience they NEVER get booked under the correct… Read more »


Did you know you could actually hold more than one lady’s card? Their T&C clearly say it is auto upgrade/downgrade when you apply for a new one. However, I just got off the chat with their digibot agent and she waived the UNI$ deduction on my normal Lady’s card. I applied the solitaire version last month because they charged me annual fee for the normal version. I was waiting for them to auto cancel the old card and refund me the UNI$, which obviously did not happen, had to call and ask to cancel but digibot agent say you can… Read more »


I know topping up GrabPay doesn’t clock miles anymore anywhere. But does anyone know if topping up GrabPay counts towards spending amount on the card? To hit minimum spend for UOB One Account interest rate?


anyone knows how will a purchase from Amazon usa be classified under the 7 categories?



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