Here’s the MileLion’s review of the UOB Lady’s Card, which despite the name, now welcomes applications from one and all, regardless of your plumbing.
We can have endless debates about whether it should have taken this long to open up applications to men (the card launched all the way back in 1989), but what we can’t debate is that until February 2024, this is the ultimate rewards card in all of Singapore.
|UOB Lady’s Card & Lady’s Solitaire Card|
|🦁 MileLion Verdict|
|☑ Take It|
☐ Take It Or Leave It
☐ Leave It
|With 6 mpd on up to S$3,000 of spending each month, the UOB Lady’s Cards are the undisputed |
|What do these ratings mean?|
|👍 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|
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 UOB 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 UOB 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- there are numerous data points of applicants getting approved for the card with much, much lower incomes than S$120,000. It doesn’t hurt to try!
One protip is to apply via SMS instead of via the website (this only works if you’re an existing UOB cardholder). This supposedly works even if you’re shy of the minimum income requirement)
|📱 SMS to 77672|
|YesSolitaire<space>Last 4 digits of any existing UOB Card<space>NRIC|
(Example: If the last 4 digits of your UOB card are 1234 and NRIC is S1234567A, send “YesSolitaire 1234 S1234567A”)
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. When the time comes for renewal, you will either be charged:
|UOB Lady’s Card||UOB Lady’s Solitaire|
|Half Waiver||UNI$3,250 + S$97.20||UNI$5,000 + S$205.20|
If you have sufficient UNI$ for a full waiver, the full waiver option will be automatically selected, and if you only have sufficient UNI$ for a half waiver, the half waiver option will be automatically selected. If you don’t have sufficient UNI$ for either, the annual fee will be billed in pure cash.
It’s up to you to monitor your statement and request a waiver when this happens. Look at the expiry date on your credit card- the month corresponds to the month your annual fee will be charged.
|👍 Silver Lining|
|For what it’s worth, if UOB subsequently grants you a fee waiver, the reinstated UNI$ will have a fresh 2-year validity.|
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||See here||Airlines, 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|
|⚠️ UOB Lady’s Solitaire Cap|
|For avoidance of doubt, the S$3,000 cap on the Lady’s Solitaire Card is shared between both bonus categories.|
All bonus categories are defined with MCC ranges, except for travel. Fortunately, I have obtained greater clarity from the UOB team regarding the MCCs which qualify:
- Airlines (MCC 3000-3299)
- Cruise liners (MCC 4411)
- Duty-free stores (MCC 5309)
- Hotels (MCC 3500-3999)
- Online and offline travel agencies (MCC 4722)
Bus liners, rental cars, trains and private hire cars are not included in travel.
Bonus categories can be changed every calendar quarter– a fantastic feature, because it means the card can be different things to you at different times.
For example, if you’re shelling out for an expensive beauty package this quarter, pick “beauty & wellness”. If you’re going on an overseas trip, pick “travel”. There’s no other card in Singapore that gives this kind of flexibility.
For a more detailed discussion on which bonus categories you should choose, refer to this post.
Selecting bonus categories
|Choose bonus categories|
In terms of the selection mechanics:
- The first time you choose your bonus categories, they are effective immediately
- Bonus categories can be re-selected every calendar quarter, up till 2359 hours (SGT) the day before the first calendar date of the following calendar quarter
- The bank will take the most recent entry submitted as the bonus category for the following quarter. For example, if you submit ‘Fashion’ on 15 April, then submit ‘Dining’ on 21 June, your bonus category for 1 July to 30 September will be ‘Dining’
- If you do not manually re-select your bonus categories, the choices from the previous quarter will be automatically carried over
- If you upgraded from the Lady’s Card to the Lady’s Solitaire Card, your additional bonus category will only be effective from the following calendar quarter
While it was previously believed that the UOB Lady’s Card would not earn any points at UOB$ 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).
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$, credited at the start of the calendar month after the transaction.
|Base Points (1X)||Credited when transaction posts|
|Bonus Points (5X)|
(ends 29 Feb 24)
|Credited at the start of the following calendar month|
|Bonus Points (9X)||Credited at the start of the following calendar month|
How are UNI$ 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)|
(ends 29 Feb 24)
|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$22.70 transaction are wasted for 1X base points, but count towards 9X bonus points.
For more details on how UOB’s rounding works, refer to the article below.
If you’re an Excel geek, here’s the formulas you need to calculate your points:
|Base Points (1X)||=ROUNDDOWN (X/5,0)*1|
|Bonus Points (5X)|
(ends 29 Feb 24)
|= ROUNDDOWN (Y/5,0)*5|
|Bonus Points (9X)||= ROUNDDOWN (Y/5,0)*9|
|Where X= Amount Spent, Y= Total Eligible Spending|
For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
What transactions aren’t eligible for UNI$?
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. However, you will only earn 0.4 mpd on such transactions.
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$25 conversion fee and must be in blocks of 10,000 miles.
You can enroll for the automatic conversion programme here.
Based on my experience, most points transfers to KrisFlyer are completed within 48 hours.
If you need your points credited instantly, you can do so via Kris+. 1,000 UNI$ 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
|🦁 MileLion Verdict|
|☑ Take It|
☐ Take It Or Leave It
☐ Leave It
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 on quarter, a travel card the next, depending on your needs at the time.
What’s more, with 6 mpd on offer until 29 February 2024, this is 50% better than any other rewards card on the market. Imagine earning 6 mpd on up to S$3,000 each month- that’s a lot of hay to be made!
So that’s my review of the UOB Lady’s Card. What do you think?