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

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Like a veteran leading lady, the shapeshifting UOB Lady's Card can play many roles- just not all at the same time.

Here’s the MileLion’s review of the UOB Lady’s Card, Singapore’s first-ever dedicated card for ladies.

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 with what it has to offer, who could blame you for wanting to get in touch with your feminine side?

UOB Lady’s Card & Lady’s Solitaire Card
★★★★ 1/2 (Lady’s Card)
★★★★★ (Lady’s Solitaire)
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
  • Earn 4 mpd on a choice of beauty & wellness, dining, entertainment, family, fashion, transport or travel
  • 4 mpd cap of S$3,000 per month and 2 bonus categories for the Lady’s Solitaire
  • Only for women
  • The usual UOB shenanigans, like S$5 earning blocks, UOB$ merchants, automatic UNI$ deductions and overseas payment gateway clauses
💳 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.

Apply
Apply
Income Req.
S$30,000 p.a.
(Lady’s)
Points Validity
2 years
S$120,000 p.a.
(Solitaire) 
Annual Fee
S$192.60
(Lady’s-FYF)
Min.
Transfer

5,000 UNI$
(10,000 miles)

S$406.60
(Solitaire-FYF)
Miles with
Annual Fee
NoneTransfer
Partners
  • 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

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$192.60), 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$588 vs S$406.60). 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?

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. 

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?

UOB Lady’s Card
 Principal CardSupp. Card
First YearFreeFirst 1 Free,
S$96.30 after
SubsequentS$192.60First 1 Free,
S$96.30 after
UOB Lady’s Solitaire Card
 Principal CardSupp. Card
First YearFreeFirst 2 Free,
S$192.60 after
SubsequentS$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.

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 mpd0.4 mpd4 mpd on your choice of 7 categories

SGD/FCY Spend

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. It was a complete 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 with the makeover. UOB Lady’s Card and Lady’s Solitaire members now earn a total of 10 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:

  • UOB Lady’s Card: S$1,000 per calendar month
  • UOB Lady’s Solitaire: S$3,000 per calendar month

Bonus categories are listed below. UOB Lady’s Card members can pick one, while Lady’s Solitaire members can pick two

CategoryMCCsDescription
(1) Beauty & Wellness5912, 5977, 7230, 7231, 7298, 7297Discount, Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlours
(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
⚠️ 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.

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.

Do exercise caution with UOB$ merchants, however. UOB$ is UOB’s card-wide cash rebates scheme, and UOB cardholders (with the exception of UOB PRVI Miles AMEX) will not earn any UNI$ at UOB$ merchants. 

Anecdotally, I have heard reports that this only affects the base 1X UNI$, and you’ll still earn the bonus 9X UNI$ as per normal. For example, if you use the UOB Lady’s Card at Cold Storage, you’ll earn 3.6 mpd. I have yet to test this, so proceed at your own risk.

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 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:

SpendBase Points (1X)Bonus Points (9X)
S$4.500(4.5+18.99+22.70) round down to nearest 5, divide by 5 and multiply by 9
S$18.993
S$22.704
Total781

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.

Is UOB’s points rounding policy as bad as it seems?

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&Cs.

I’ve highlighted a few noteworthy categories below:

  • Charitable Donations
  • Education
  • Government Services 
  • Insurance
  • Prepaid account top-ups (e.g. GrabPay, YouTrip)
  • Real Estate Agents & Managers
  • Utilities

UNI$ will be awarded for CardUp transactions, but not ipaymy.

What do I need to know about UNI$?

❌ Expiry↔️ Pooling✈️ Transfer Fee
2 yearsYesS$25

Expiry

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.

Pooling

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$. 

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

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.

It’s also possible to convert UNI$ to KrisFlyer miles instantly via Kris+, but you’ll suffer a 15% haircut in the process. 1,000 UNI$ will get you 1,700 KrisPay miles (which can be converted instantly to 1,700 KrisFlyer miles), instead of the 2,000 KrisFlyer miles you’d have received by going the regular route. 

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

Apply
Apply

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 4 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$406.60, but it is waivable in practice (though YMMV). 

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
★★★★1/2 (Lady’s Card)
★★★★★ (Lady’s Solitaire) 
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 Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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Adam

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

Yiwei

@Aaron,

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

https://www.uob.com.sg/personal/cards/cards-privileges/smart-privileges.page#participatingmerchants

Better to use another cards for this 🙂

phister

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.

XYZ

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 »

bluepanda

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

XYZ

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 2 years ago by XYZ
JSS

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

XYZ

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 »

Baddy

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…

NotafanofUOBsladiescArd

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 »

Guest

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…

phister

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…

XYZ

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

hmm

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 »

Karen

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.

smt

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.

XYZ

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 »

Yiwei

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 »

beebee

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?

zhc

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

Jane

Which category would Qoo10 purchases fall under? Fashion?

Rain

Does anyone know how I can get an invite for the metal card? I have the Solitaire now

W L

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?

Ser

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?

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