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

UOB Lady's Card customers can earn 6 mpd on groceries, dining, petrol, shopping, travel and public transport- but not all at the same time.

Following an enhancement in March 2023, UOB Lady’s Cardholders now earn 6 mpd on up to S$3,000 of spend per month on their choice of bonus categories. This includes restaurants, supermarkets, shopping, taxis, air tickets, hotels, and petrol but— here’s the catch — not all at the same time. 

UOB makes you choose which category/categories you’d like to earn 6 mpd on, a decision that can be changed every quarter. So what can you pick, and what should you pick?

Overview: UOB Lady’s Card

UOB Lady’s Card
UOB Lady’s Solitaire Card
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 Earn6 mpd on 1/2 bonus categoriesAirport Limo?No
Cardholder Terms and Conditions
Note: A by-invitation-only metal version of the UOB Lady’s Solitaire also exists, with a higher annual fee of S$594 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

UOB has two different Lady’s Cards: 

  • the basic UOB Lady’s Card (income req.: S$30,000 p.a.)
  • the premium UOB Lady’s Solitaire Card (income req.: S$120,000 p.a., don’t let this deter you from applying through, as data points suggest UOB is not strict with enforcement)

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 (and vice versa)

UOB Lady’s Card bonus categories

UOB Lady’s Card and UOB Lady’s Solitaire Card members will earn 15 UNI$ for every S$5 spent (6 mpd) on: 

  • UOB Lady’s Card: 1 bonus category, capped at S$1,000 per calendar month
  • UOB Lady’s Solitaire Card: 2 bonus categories, capped at S$3,000 per calendar month
⚠️ Important Note
For avoidance of doubt, the S$3,000 cap on the UOB Lady’s Solitaire Card is shared between both the bonus categories.

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

Choose bonus categories

Selecting bonus categories requires entering your 16-digit card number. Even if you don’t have the physical card yet, you can obtain this from your internet banking or the UOB TMRW app. However, if you were recently approved (<24 hours) the system may throw an error message when registering your bonus categories. Try again after 24 hours.

Some important things to note:

  • The first time you choose your bonus categories, they are effective immediately
  • Bonus categories can be re-selected every calendar quarter, up till 2359 hours (SGT) the day before the first calendar date of the following calendar quarter
  • The bank will take the most recent entry submitted as the bonus category for the following quarter. For example, if you submit ‘Fashion’ on 15 April, then submit ‘Dining’ on 21 June, your bonus category for 1 July to 30 September will be ‘Dining’ 
  • If you do not manually re-select your bonus categories, the choices from the previous quarter will be automatically carried over
  • If you upgraded from the Lady’s Card to the Lady’s Solitaire Card, your additional bonus category will only be effective from the following calendar quarter

The ability to change your bonus category every quarter means the card can be different things to you at different times. 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?

💳 UOB Lady’s Card Bonus Categories
(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) TravelSee hereAirlines, Hotels, Cruise Liners, Duty-free Stores, Online and Regular Travel Agencies
Both local and foreign currency transactions are eligible for bonuses, whether online or offline

When deciding which category to pick, the first thing to consider is obviously personal spending patterns- a teetotaller won’t 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 bonuses 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$13,335 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

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 SPC (where UNI$ are not awarded- Shell is OK!), you can earn 6 mpd every time you pump. 

For those who spend a lot at supermarkets, Family might be a good choice. Contrary to popular belief, Cold Storage and Giant are still eligible for bonus UNI$, despite the fact they’re UOB$ merchants. You’ll earn the equivalent of 5.6 mpd at these places (since the base 0.4 mpd is not awarded). 

For my UOB Lady’s Solitaire Card (well, the MileLioness’ really, but who’s keeping score?), I’ve chosen Dining and Transport as my two bonus categories, since I’m a fairly heavy spender on both.

I’ll occasionally switch Transport to Travel when I’m heading on an overseas trip and will be spending cash on flights/hotels instead of miles and points. And when I’m overseas, I of course pair the card with Amaze to earn 1% cashback and enjoy better FCY rates. 


The UOB Lady’s Cards are extremely 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 can get the Solitaire version, since a 6 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.

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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?


If I have the uob solitaire paired with amaze card, would I earn 4mpd on overseas dining ?


does the family catergory include amazon prime?


I mean Amazon Fresh


does wellness include fitness boutique studios such as pilates or barre studios?


Hi Aaron, if cap for bonus is by statement month, is it by transaction date or post date of transaction?


Is there anyway to check which category I’ve chosen, other than calling in to CS?


Nope. Gotta call.


do supplementary card spending also earn points that accrue together with main cardholder?


How can I check which 2 categories I selected? Thanks.


For grab, if it is a transport transaction vs a food delivery transaction, it will be 2 different mcc category?



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