Here’s the MileLion’s review of the UOB Lady’s Card, the card that never fails to stimulate wholesome and sensitive online discourse.
Launched in 1989 and reportedly found in the wallet of one in five Singaporean women, it underwent a major revamp in 2019 that turned it from ugly stepsister to belle of the ball, and then another enhancement in 2023 that made it just flat out chiobu.
|UOB Lady’s Card & Lady’s Solitaire Card|
|🦁 MileLion Verdict|
|☑ Take It|
☐ Take It Or Leave It
☐ Leave It
|Like a veteran leading lady, the shapeshifting UOB Lady’s Card can play many roles- just not all at the same time.|
|👍 The good||👎 The bad|
|💳 Full List of Credit Card Reviews|
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. |
|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||6 mpd on your choice of 1 or 2 bonus categories||Airport Limo?||No|
|Cardholder Terms and Conditions|
Unlike the gender-neutral DBS Woman’s World Card, the UOB Lady’s Card is strictly for women only. Men cannot apply for this card, even as a supplementary cardholder.
Thankfully, there’s a simple workaround, at least for those who don’t fall into the forever alone category. A man can ask his lady friend to apply, add the card to his mobile wallet, and transact as if he were her. Needless to say, this involves a certain degree of trust. Only do it if he’s a good listener and forklift-certified.
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 identical. They have the same annual fee (S$194.40), and enjoy one quarterly bonus category, capped at S$1,000 per calendar month.
The UOB Lady’s Solitaire and Lady’s Solitaire Metal Card both enjoy two quarterly bonus categories, capped at S$3,000 per calendar month. However, the Metal Card is a more premium, invite-only offering with a higher annual fee (S$593.50 vs S$410.40). It also comes with additional benefits courtesy of its World Elite Mastercard badge, such as one complimentary airport transfer and six 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?
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.
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. However, that may not even be necessary, as I’ve read data points of applicants getting approved for the card with much, much lower income than S$120,000. It doesn’t hurt to try!
How much is the UOB Lady’s Card annual fee?
|UOB Lady’s Card|
|Principal Card||Supp. Card|
|First Year||Free||First 1 Free,|
|Subsequent||S$194.40||First 1 Free,|
|UOB Lady’s Solitaire Card|
|Principal Card||Supp. Card|
|First Year||Free||First 2 Free,|
|Subsequent||S$410.40||First 2 Free,|
The UOB Lady’s Card has an annual fee of S$194.40, 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$97.20 per year.
The UOB Lady’s Solitaire has an annual fee of S$410.40, 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$194.40 per year.
Fee waivers are possible, but be warned that UOB’s default behaviour is to automatically deduct your UNI$ come renewal time to cover the annual fee. 6,500 UNI$ (Lady’s) or 10,000 UNI$ (Lady’s Solitaire) will be deducted, and it’s up to you to monitor your balance and request a waiver when this happens (if you have insufficient UNI$, the annual fee will be billed in cash).
Look at the expiry date on your credit card- the month corresponds to the month your annual fee will be charged.
How many miles do I earn?
|🇸🇬 SGD Spend||🌎 FCY Spend||➕ Bonus Spend|
|0.4 mpd||0.4 mpd||6 mpd on your choice of 7 categories|
UOB Lady’s Card and Lady’s Solitaire both earn 1 UNI$ 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.
In a newly-launched feature, the UOB Lady’s Card and Lady’s Solitaire earn a bonus 14 UNI$ for every S$5 spent in Singapore Dollars or FCY on a choice of seven bonus categories. That’s an equivalent earn rate of 6 mpd, capped at:
- UOB Lady’s Card: S$1,000 per calendar month
- UOB Lady’s Solitaire: S$3,000 per calendar month
This rate is valid until 29 February 2024, after which it reverts to 4 mpd.
Bonus categories are listed below. UOB Lady’s Card members can pick one, while Lady’s Solitaire members can pick two.
|(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 Parlours|
|(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. Refer here for more details|
|⚠️ UOB Lady’s Solitaire Cap|
|For avoidance of doubt, the S$3,000 cap on the Lady’s Solitaire Card is shared between both the bonus categories.|
All bonus categories are defined with MCC ranges, except for travel. Fortunately, I have obtained greater clarity from the UOB team regarding the MCCs which qualify:
- Airlines (MCC 3000-3299)
- Cruise liners (MCC 4411)
- Duty-free stores (MCC 5309)
- Hotels (MCC 3500-3999)
- Online and offline travel agencies (MCC 4722)
Bus liners, rental cars, trains and private hire cars are not included in travel.
Explained: Which MCCs are included in the UOB Lady’s Card “Travel” category
Bonus categories can be changed every calendar quarter– a fantastic feature, because it means the card can be different things to you at different times.
For example, if you’re shelling out for an expensive beauty package this quarter, pick “beauty & wellness”. If you’re going on an overseas trip, pick “travel”. There’s no other card in Singapore that gives this kind of flexibility.
While it was previously believed that the UOB Lady’s Card would not earn any points at UOB$ merchants, it’s since been clarified that this only applies to base points. Bonus points will still be earned, which means 5.6 mpd at UOB$ merchants like Cold Storage and Giant (assuming you choose Family as your bonus category).
Confirmed: UOB$ merchants qualify for bonus miles with UOB cards
When are UNI$ credited?
The base 1 UNI$ per S$5 is credited when the transaction posts, usually in 1-3 working days. The bonus 14 UNI$ per S$5 is split into a limited-time bonus of 5 UNI$ (ends 29 February 2024) and the evergreen 9 UNI$, credited by the end of the calendar month after the transaction.
|Base Points (1X)||Credited when transaction posts|
|Bonus Points (5X)||Credited by the end of the following calendar month|
|Bonus Points (9X)||Credited by the end of the following calendar month|
How are UNI$ 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 (5X)||Sum all eligible transactions (including cents), round down total to the nearest S$5, divide by 5, then multiply by 5.0|
|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 transactions down to the nearest S$5 before awarding points, the Lady’s Card is less punitive because rounding for bonus points takes place only once, as opposed to on each transaction.
To illustrate, suppose you make three transactions on your bonus category in a month: S$4.50, S$18.99 and S$22.70. Here’s how many points you’ll earn (let’s ignore the limited-time 5X for the purpose of this illustration).
|Spend||Base Points (1X)||Bonus Points (9X)|
|S$4.50||0||(4.5+18.99+22.70) round down to nearest 5, divide by 5 and multiply by 9|
A total of 88 UNI$ will be earned, or 176 miles. Notice how the S$4.50 transaction earns no 1X base points, but still counts towards the aggregated 9X bonus points calculation. Notice also how S$3.99 of the S$18.99 transaction and S$2.70 of the S$22.70 transaction are wasted for 1X base points, but count towards 9X bonus points.
For more details on how UOB’s rounding works, refer to the article below.
If you’re an Excel geek, here’s the formulas you need to calculate your points:
|Base Points (1X)||=ROUNDDOWN (X/5,0)*1|
|Bonus Points (5X)||= ROUNDDOWN (Y/5,0)*5|
|Bonus Points (9X)||= ROUNDDOWN (Y/5,0)*9|
|Where X= Amount Spent, Y= Total Eligible Spending|
For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
What transactions aren’t eligible for UNI$?
A full list of transactions that do not earn UNI$ can be found in the T&Cs.
I’ve highlighted a few noteworthy categories below:
- Charitable Donations
- Government Services
- Prepaid account top-ups (e.g. GrabPay, YouTrip)
- Real Estate Agents & Managers
UNI$ will be awarded for CardUp transactions, but not ipaymy.
What do I need to know about UNI$?
|❌ Expiry||↔️ Pooling||✈️ Transfer Fee|
|⬆️ Min. Transfer||✈️ No. of Partners||⏱️ Transfer Time|
UNI$ expire 2 years from the last day of each periodic quarter in which the UNI$ was earned. Each UNI$ period is calculated commencing from January to December of each calendar year. Expired UNI$ cannot be replaced or reinstated.
UNI$ 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$-earning card.
Transfer Partners & Fees
UNI$ transfer to frequent flyer programs at a 1:2 ratio, with a minimum transfer block of 5,000 UNI$ (let’s ignore AirAsia, because converting points there is like throwing them away):
|Frequent Flyer Programme||Conversion Ratio |
Transfers cost S$25 per programme, 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$15,000 (30,000 miles) in your account at all times, for reasons I don’t quite understand. UOB provides the following explanation, for what it’s worth.
This is to give card members the flexibility to convert the UNI$ 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$25 conversion fee and must be in blocks of 10,000 miles.
You can enroll for the automatic conversion programme here.
Based on my experience, most points transfers are completed within 48 hours.
If you need your points credited instantly, you can do so via Kris+. 1,000 UNI$ can be transferred to 1,700 KrisPay miles, which can then be transferred to KrisFlyer miles at a 1:1 ratio.
|S$5 for new Kris+ Users|
|Get S$5 (in the form of 750 KrisPay miles) when you sign-up with code W644363 and make your first transaction|
Transfers are immediate, but those 1,000 UNI$ would normally have earned you 2,000 KrisFlyer miles, so you effectively take a 15% haircut.
Therefore I wouldn’t recommend taking this option, unless you need a small top-up to redeem a flight, or have an orphan UNI$ balance (<5,000 points).
Other card perks
Complimentary Travel insurance
UOB Lady’s Solitaire Cardholders enjoy complimentary travel medical insurance when they charge the entire cost of their common carrier ticket (any land, sea or air travel arrangement) to their card and register here prior to their trip.
(UOB Lady’s Solitaire Card)
|Medical Expenses||Up to US$100,000|
|Emergency Medical Evacuation & Return of Mortal Remains||Up to US$100,000|
|Daily In-Hospital Cash Benefit||US$100 per day|
(min. 3 days, max. 15 days)
|Overseas Quarantine Allowance||US$100 per day|
(max. 14 days)
|*Subject to terms, conditions and exclusions in the policy wording for UOB Lady’s Solitaire Card|
UOB Lady’s Solitaire Metal Cardholders enjoy complimentary travel insurance when they charge the entire cost of their common carrier tickets (any land, sea or air travel arrangement) to their card. No registration is required.
(UOB Lady’s Solitaire Metal Card)
|Travel Accident & Medical Insurance|
|Emergency Medical Evacuation and Repatriation||US$500,000|
|Hospital Daily Indemnity||US$100 per day |
(max. 30 days)
|Overseas Quarantine Allowance||Up to US$100 per day|
(max. 14 days)
|Travel Inconvenience and Cancellation Insurance|
|Loss of baggage||Up to US$3,000|
|Baggage delays over 4 hours||Up to US$500|
|Trip cancellation||Up to US$7,500|
|Trip curtailment||Up to US$7,500|
|Trip postponement||Up to US$7,500|
|Personal Liability Abroad||Up to US$500,000|
|Trip Delays over 4 hours||Up to US$500|
|Missed connections||Up to US$500|
|^Subject to terms, conditions and exclusions in the policy wording for UOB Lady’s Solitaire Metal Card|
Where award tickets are concerned, coverage will apply if entire cost of ticket is redeemed with airline mileage program associated with the card (i.e. Asia Miles or KrisFlyer miles) and the card is used to pay the taxes and surcharge component.
The policy also provides coverage for COVID-19, for extra peace of mind.
UOB One Account
One great feature of the UOB Lady’s Cards is that card spending qualifies you to earn bonus interest on the UOB One Account.
For example, a cardholder who spends at least S$500 in a calendar month and makes three GIRO debit transactions (e.g. paying utilities bills, insurance premiums, credit card bills) will earn 3% p.a. effective interest rate on the first S$75,000 in her UOB One Account.
A cardholder who spends at least S$500 in a calendar month and credits her salary of at least S$1,600 (with the transaction reference “SALA”/”PAYNOW SALA”) will earn 5% p.a. effective interest rate on the first S$100,000 in her UOB One Account.
Unlike some other high-yielding bank accounts , the UOB One Account does not require you to purchase insurance or investment products in order to unlock its highest interest tier, which is perfect for those who have existing plans/policies elsewhere.
World Elite Mastercard benefits
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:
- One complimentary airport transfer per year, valid in Singapore and overseas
- Six complimentary lounge visits a year, redeemable at over 1,300 lounges worldwide, offered through Mastercard Airport Experiences provided by LoungeKey
Summary Review: UOB Lady’s Card
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 S$3,000 monthly 6 mpd cap 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. It does come with a higher annual fee of S$410.40, but it is waivable in practice.
It’s just a shame that the product is gender-specific, because it’s got such a wide range of use cases for miles chasers. If you’re a lady who’s into miles, this absolutely needs to be one of the cards you use.
So that’s my review of the UOB Lady’s Card. What do you think?
|🦁 MileLion Verdict|
|☑ Take It|
☐ Take It Or Leave It
☐ Leave It
This card is basically the only dining card that gives 4mpd on dining since the unicorn disappeared…
exactly- although thankfully there are other ways to get 4 mpd on dining (e.g grabpay, uob ppv)
You only earn 2% SMART$ for transactions >$100 at Dairy Farm group merchants, anything less you get 0.3%.
Better to use another cards for this 🙂
added that detail for clarity, thanks
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.
good to know. Visa has an unpublished rule that you need a minimum income of S$80k to qualify for a visa infinite card (or else a priority banking relationship), was curious as to whether mastercard had a similar rule for world elite mastercard.
I’ve been using the card for a year and here are some things that may / may not be mentioned above: 1. SMART$ 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 »
point 1 is very interesting indeed.. maybe i’ll investigate with my UOB PPV.
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)
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 completely agree the beauty category is a nightmare and customer service is really patchy. I have the UOB ladies solitaire card too 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… Read more »
thank you for this info! have put a note in the post.
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.
thanks for the data point! if they do waive AF for solitaire then that’s pretty good isn’t it? for a 3k cap on 4 mpd
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 $250 on average each month, and near zero in the recent few months.
Feedback / warning: You should monitor your bonus transactions like a hawk, and even then you may get alot less miles than expected. Not only does UOB classify transactions differently from other merchants (ie. GrabFood doesn’t get booked correctly), they are also very inflexible on awarding bonus points (they also don’t have an explanation for me as to why they seem to be the only bank who cannot identify GrabFood) The health and beauty category is also a big headache your large purchases are probably spa / facial packages and in my experience they NEVER get booked under the correct… Read more »
thanks for the heads up! i think health and beauty may be a bit iffy (i can see how the merchants under that category could process under a wide range of MCCs, especially if they sell packages online via a 3rd party platform. I would have thought that dining would be a safe category, but from what you’re saying grabfood is problematic.
Did you know you could actually hold more than one lady’s card? Their T&C clearly say it is auto upgrade/downgrade when you apply for a new one. However, I just got off the chat with their digibot agent and she waived the UNI$ 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?
Which category would Qoo10 purchases fall under? Fashion?
Does anyone know how I can get an invite for the metal card? I have the Solitaire now
Don’t even bother. I called up CS 2x and they were supposed to arrange callback for me regarding the metal card. It NEVER happened. I am an existing customer who banks mainly with UOB + have other existing credit cards, yet they simply do not even care to call me back with such a simple request. With this atrocious level of service, I am taking my spending to other banks and credit cards that provide better services.
Would the solitaire card not be extremely useful for someone who travels a lot for work and can use his/her own card to pay for the costs before getting reimbursed by their employer?
Just wanted to ask if someone who has chosen the Travel category for the bonus, do merchants like hotels.com, booking.com and other OTAs qualify for earning 4MPD?
hi per UOB lady features site hotels.com, expedia, airbnb and agoda is considered as travel categories. Do you have any past transactions at this site to confirm that these are qualifying?
Do we have a telegram chat like those AMEX and CP chat to discuss the benefits offers and deals for UOB lady’s card too?
Hello. Does anyone know if spending in foreign currency while travelling earns bonus points? Thanks!