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)|
|Miles with |
|FCY Fee||3.25%||Transfer Fee||S$25|
|Local Earn||0.4 mpd||Points Pool?||Yes|
|FCY Earn||0.4 mpd||Lounge Access?||No|
|Special Earn||4 mpd on your choice of 7 categories||Airport 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 & Wellness||5912, 5977, 7230, 7231, 7298, 7297||Discount, Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlors|
|(2) Dining||5811, 5812, 5814, 5499||Caterers, Eating places and Restaurants, Fast food restaurants and food deliveries|
|(3) Entertainment||5813, 7832, 7922||Bars, Taverns, Lounges and Nightclubs, Motion Picture Theatres, Theatrical Producers and Ticket Agencies|
|(4) Family||5411, 5641||Grocery stores, Children and Infants wear store|
|(5) Fashion||5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948||Department 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) Transport||4111, 4121, 4789, 5541, 5542||Local Commuter Transport, Taxi, Cabs, Limousines and Travel Service, Service Stations and Automatic Gas Dispensers|
|(7) Travel||Credit 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.
|Anywhere with Contactless Payments*|
|*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…
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?