UOB Lady’s Card: Which bonus categories should you choose?

Last Updated:

UOB Lady's Card customers can earn 4 mpd on groceries, dining, petrol, shopping, travel and public transport. But not all at the same time.

UOB gave its Lady’s Cards a much-needed makeover back in 2019, turning them from ugly stepsister into belle of the ball. The new-and-improved Lady’s Cards now offer 4 mpd on up to S$3,000 of spending each month, depending on which version you hold.

This includes restaurants, supermarkets, department stores, taxis, air tickets, hotels, petrol- but not all at the same time.

And therein lies the catch: UOB makes you choose which category you’d like to earn 4 mpd on, a decision that can be changed every quarter. So what can you pick, and what should you pick?

Basics: UOB Lady’s Card

UOB offers two main varieties of this card: the basic UOB Lady’s Card, and the more upmarket UOB Lady’s Solitaire Card. You can only hold one or the other; an existing UOB Lady’s Card customer who applies for a UOB Lady’s Solitaire Card will have the former card cancelled upon approval of the latter. 

Income Req.
S$30,000 p.a.
Points Validity
2 years
S$120,000 p.a. (Solitaire) 
Annual Fee

5,000 UNI$
(10,000 miles)

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
A by-invitation-only metal version of the UOB Lady’s Solitaire also exists, with a higher annual fee of S$588.50 and a complimentary airport transfer + six lounge passes per year. Earn rates and bonus caps are the same as the plastic UOB Lady’s Solitaire

Unlike the gender-neutral DBS Woman’s World Card, the UOB Lady’s Card is exclusively for women. However, there’s nothing stopping your wife/girlfriend from applying for a card, and letting you digitise the card on a mobile wallet like Apple or Google Pay. 

UOB Lady’s Card bonus categories

UOB Lady’s Card and Lady’s Solitaire Card customers normally earn 1 UNI$ for every S$5 spent (0.4 mpd) in Singapore dollars or foreign currency.

However, they may select one (Lady’s Card) or two (Lady’s Solitaire Card) bonus categories to earn a bonus 9 UNI$ for every S$5 spent (3.6 mpd), for an overall earn rate of 4 mpd. This is capped at S$1,000 (Lady’s Card) or S$3,000 (Lady’s Solitaire Card) per calendar month

⚠️ Important Note
For avoidance of doubt, the S$3,000 cap on the Lady’s Solitaire Card is shared between both the bonus categories.

Cardholders choose from the following categories via this link, and can change their selection every calendar quarter. 

(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

The ability to change your bonus category every quarter means the 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.

Which category should you pick?

When deciding which category to pick, the first thing to consider is obviously personal spending patterns; a teetotaler might not get much mileage out of choosing Entertainment (which includes bars and nightclubs) as a bonus category. 

But just as important to consider are alternatives: Could you already earn 4 mpd on this particular category with a different card? Here’s a brief rundown of what you could be using for the various bonus categories. 

  • Citi Rewards: 4 mpd on first S$1,000 per statement month
  • HSBC Revolution: 4 mpd on first S$1,000 per calendar month
  • OCBC Titanium Rewards: 4 mpd on first S$12,000 per membership year
  • DBS Woman’s World Card: 4 mpd on first S$2,000 per calendar month (assuming online)
  • DBS Altitude: 3 mpd on first S$5,000 per calendar month (assuming online)
Anywhere with Contactless Payments*
  • UOB Pref. Plat. Visa: 4 mpd on first S$1,110 per calendar month
  • UOB Visa Signature: 4 mpd on the first S$2,000 per statement month, min. spend S$1,000
*Excludes UOB$ merchants

However, this does not necessarily preclude you from choosing a bonus category already covered by another card.

For example, it’d be perfectly justifiable to choose Dining as a bonus category, even if you already have the HSBC Revolution. The argument might be that you conserve the HSBC Revolution’s 4 mpd cap for supermarkets, gym memberships and in-person hotel/rental car spend, all categories not covered by any other card.

Alternatively, you might simply be a big spender on dining, and need to supplement the HSBC Revolution’s S$1,000 monthly cap with another card.

Someone who drives may find the Transport category useful because it includes petrol stations. So long as you avoid Shell and SPC (where UNI$ are not awarded), you can earn 4 mpd every time you pump (look for Caltex or Sinopec for the best discounts).

For those who spend a lot at supermarkets, Family might be a good choice. By right, you should be limiting yourself to NTUC and Sheng Siong, since Cold Storage and Giant are UOB$ merchants (formerly known as SMART$) and will not earn UNI$. I say “by right”, because based on data points I’ve received, Cold Storage and Giant transactions don’t earn the base 1X UNI$ (0.4 mpd) with the UOB Lady’s Cards, but receive 9X UNI$ (3.6 mpd) at the end of the month.

Perhaps UOB’s hinting something through its own website…

Note how Cold Storage and Giant are listed under bonus merchants

For my UOB Lady’s Solitaire Card (courtesy of the MileLioness), I’ve chosen Dining and Travel because these are the two categories I spend the most on both in Singapore and overseas.

It’s particularly useful for the latter, now that DBS has nerfed rewards earning on the Amaze. By pairing the UOB Lady’s Solitaire Card with Amaze, I can continue to earn 4 mpd on my foreign currency airfares and hotel stays, with zero FCY fees and 1% cashback.


The UOB Lady’s Cards are very versatile tools to have in your wallet (purse?), thanks to their shapeshifting ability to be different things at different times. It can be a dining card this quarter and a shopping card the next, or perhaps a travel card should you be going on vacation. 

It’s particularly useful if you earn the minimum income required for the Solitaire, since a 4 mpd cap of S$3,000 is much higher than the S$1,000-2,000 you find on most other cards on the market. 

UOB Lady’s Card cardholders: What bonus categories do you choose and why?

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

Similar Articles


Notify of

Inline Feedbacks
View all comments

Does Amaze + UOB lady’s earn 4mpd on travel? Travel category doesn’t seem
MCC tagged, but instead by merchant name?


Is paying the annual fee worth it for the lady’s solitaire? I think I can hit the min. Reqs but without bonus miles or lounge access I’m not sure if the annual fee is worth paying at all?


Annual fee can be waived easily


For Solitaire? Are you sure?


Previous reports of repetitive annual fee waivers for Solitaire despite low monthly spends but YMMV


Hi Aaron, I use amex platinum charge card for most of my expenses including Air tickets. I only use other cards like UOB krisflyer card if the merchant don’t take amex or due to promotion. Will you recommend I should switch to UOB lady solitaire or continue using UOB krisflyer if my daily expenses are groceries and dining for miles earning purposes? For online expenses, I am using DBS women world card. I dont have a lady card now. Thank you!


If my wife gets the card, can she transfer the bank points/miles to my (husband’s) Krisflyer acct?




Does anyone know how strict the annual income requirement on the Solitaire card is?


Will the travel category include booking through OTAs like Agoda or Expedia?


it looks like UOB’s started to nerf *Amaze pairing related transactions which started to appear in PPV and VS T&Cs but oddly not updated for Lady’s card. Anyone else noticed ?


I have the UOB ladies solitaire card and am not a fan. One of the categories I selected is “beauty and wellness” but hardly any of the transactions I make in this category qualify for the bonus points. I think beauty-related merchants somehow often use unrelated MCC that are not covered by the rather limited MCC codes UOB’s categories include. So the card is quite useless in this category. Safer to use a card with high general spend ratio. Also, it is extremely hard to verify UOB’s MCC as the online chat is laughably bad. It can’t give you MCC… Read more »


Hello. Does anyone know if Amazon Fresh purchases count as Grocery purchases (ie with MCC 5411)?


Does the travel category covers transactions not made through third party sites like Agoda, Booking, Expedia etc?



Featured Deals


Follow us