Complete FAQs: UOB Lady’s Card & UOB Lady’s Solitaire Card

The UOB Lady’s Cards are among the best rewards cards on the market right now, offering 4 mpd on up to two bonus categories. Cardholders can further boost their earnings by stacking an additional 2-6 mpd from the UOB Lady’s Savings Account, achieving a total of 6-10 mpd.

While not nearly as versatile as blacklist cards like the DBS Woman’s World Card or the UOB Preferred Platinum Visa, the UOB Lady’s Solitaire Card still features heavily in my overall credit card strategy, and I regularly max out its bonus cap each month.

Card	Income Req.	Annual Fee
UOB Lady’s Card Apply	S$30K	S$196.20 (FYF)
UOB Lady’s Solitaire Card Apply	S$120K	S$414.20 (FYF)

If you’re just getting started, here’s a complete guide to everything you should know. 

Applying for the UOB Lady’s Cards

Can men apply for this card?

Yes. The UOB Lady’s Cards used to accept female applicants only, but that policy was reversed in July 2023.

Are there any sign-up offers for the UOB Lady’s Cards?

Yes, but they’re the usual “first X” nonsense that UOB does, which caps the number of eligible applicants. You really have no way of knowing if the cap is exhausted at the time you apply, making it a gamble more than anything else.

If you meet the criteria of a new-to-bank customer (no principal UOB credit cards now, or in the past 12 months), then it’s much better to apply for the UOB PRVI Miles Card and its uncapped welcome bonus (46,000 miles at the time of writing). 

After your card has been approved, you can then sign up for a UOB Lady’s Card as an existing customer.

Can I apply for the UOB Lady’s Solitaire Card if I don’t meet the minimum income requirement?

Historically speaking, UOB was not very strict with enforcing the S$120,000 minimum income requirement, especially for existing UOB cardholders.

However, recent data points have suggested that UOB is now enforcing this requirement more strictly. There are reports of approvals in the S$80,000-100,000 range, though it’s far from guaranteed. 

You should still try to apply regardless, as the worst they can say is no.

Can I get a secured version?

If you do not meet the minimum income requirement for the UOB Lady’s Solitaire Card, you can open a fixed deposit with UOB and place S$30,000 to get a secured version of the card. 

Visit any UOB branch for details.

Can I hold both the UOB Lady’s Card and UOB Lady’s Solitaire Card?

By right, you can only hold one or the other.

UOB says (at point 20 of the T&Cs) that any existing card will be automatically terminated within one month of upgrading (from UOB Lady’s Card to Lady’s Solitaire Card) or downgrading (UOB Lady’s Solitaire Card to UOB Lady’s Card). 

In practice, it seems like some customers fly under the radar and end up holding both, even after one month from upgrading/downgrading has elapsed. But even if that happens, there’s no upside because the 4 mpd earn rate is still capped at S$2,000 per calendar month, and you can still pick a maximum of two bonus categories.

Do I need to wait for the physical card to arrive before I can start spending?

Not if you have an Android phone. 

Open the UOB TMRW app, tap on Accounts, then look for your Lady’s Card. Tap on Settings, then Add to Google Pay

Once that’s done, you can use your UOB Lady’s Card anywhere contactless payments are accepted.

Unfortunately there’s no such option for Apple users.

How do I apply for the UOB Lady’s Solitaire Metal Card?

You don’t. It’s by invitation only, and you need to spend at least S$45,000 on a UOB Lady’s Solitaire Card within a 3-month period to be considered.

For what it’s worth, I’m not convinced it’s worth paying the S$593.50 fee for the UOB Lady’s Solitaire Metal Card, because there are other $120K cards that offer more benefits at that price point.

Refer to the article below for more information.

How do you qualify for a UOB Lady’s Solitaire Metal Card?

Annual Fees

Do the UOB Lady’s Cards offer the first year free?

Both the UOB Lady’s Card and UOB Lady’s Solitaire Card offer a waiver of the first year annual fee.

Can subsequent year’s annual fees be waived?

I cannot promise the same will apply in your situation, but from personal experience both the UOB Lady’s Card and UOB Lady’s Solitaire Card annual fees can be waived. 

Don’t forget that UOB’s default behaviour is to deduct UNI$ from your account for a “fee waiver”, so be sure to monitor your balance around your card’s anniversary date and request a waiver when that happens.

Earning 4 mpd (10X UNI$)

How is the 4 mpd awarded?

UOB Lady’s Cardholders who spend on their bonus category/categories will earn:

• 1 base UNI$ for every S$5 spent (0.4 mpd)
• 9 bonus UNI$ for every S$5 spent (3.6 mpd)

Base UNI$ will be awarded at the time the transaction posts.

The bonus 9 UNI$ will be awarded at the start of the following calendar month. You will see a lump sum for your bonus category or categories.

You can check the breakdown via the UOB TMRW app. Instructions are provided in this post.

Is any minimum spend required to enjoy the 4 mpd?

No. 

Do I need to pay by any particular method to enjoy the 4 mpd?

No. The bonus rate is valid regardless of whether you pay with the physical card or a virtual card on your mobile wallet.

Is the 4 mpd rate valid for online and offline spend?

The bonus rate is valid for both online and offline spend. All that matters is the MCC.

Is the 4 mpd rate valid for local and overseas spend?

The bonus rate is valid for both local and overseas spend. All that matters is the MCC.

Can I earn the 4 mpd rate with Amaze?

No. From 1 October 2024, UOB cards no longer earn miles with Amaze.

Is the 4 mpd rate valid with Kris+?

Yes. You will earn 4 mpd with Kris+, subject to the MCC falling within your selected bonus category or categories.

Is the 4 mpd earn rate capped?

Yes. UOB Lady’s Cardholders will earn a maximum of 1,800 bonus UNI$ per calendar month, which means you’ll max out the bonus with S$1,000 of spend. 

UOB Lady’s Solitaire Cardholders will earn a maximum of 3,600 bonus UNI$ per calendar month, which means you’ll max out the bonus with S$2,000 of spend. For avoidance of doubt, this cap is shared by both bonus categories.

Any spending beyond the cap will earn 1 UNI$ per S$5, i.e. 0.4 mpd.

Is the 4 mpd rate capped by calendar month or statement month?

Calendar month.

Can I double my bonus cap by getting a supplementary card?

No. A supplementary card shares the same bonus cap as the principal card, as well as the same bonus categories.

What happens if I upgrade from the UOB Lady’s Card to the UOB Lady’s Solitaire Card?

If you upgrade from the Lady’s Card to the Lady’s Solitaire Card, your additional bonus cap will apply immediately. 

For example, suppose I currently hold the UOB Lady’s Card, with ‘Family’ selected as my bonus category. On 15 July 2024, I am approved for a UOB Lady’s Solitaire Card. I will be able to earn 4 mpd on up to S$2,000 of ‘Family’ transactions for the month of July 2024. This S$2,000 includes any spend on ‘Family’ already incurred on the UOB Lady’s Card.

However, your additional bonus category will only apply from the following quarter. 

Bonus categories

How are bonus categories defined?

UOB Lady’s Cardholders can choose from seven bonus categories, defined by the following MCCs. 

How is ‘Travel’ defined?

‘Travel’ is the only bonus category not defined by a explicit MCC range. 

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, 7011)
• Online and offline travel agencies (MCC 4722)

Bus liners, rental cars, trains and private hire cars are not included in travel. 

With regards to airlines, do note that the following MCCs are not included. This feels like an oversight, but has not been corrected yet:

• MCC 3300 Azul Brazilian Airlines
• MCC 3301 Wizz Air
• MCC 3302 Flybe (defunct)
• MCC 3303 Tigerair (still active in Taiwan)
• MCC 3308 China Southern

If you’re buying tickets with these carriers, use a different card!

For more information, refer to the post below. 

Explained: Which MCCs are included in the UOB Lady’s Card “Travel” category

How do I select my bonus categories?

To select your bonus categories, visit this webpage.

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 show an error message when registering your bonus categories. Try again after 24 hours.

Once your details have been entered, you’ll receive an OTP. After that, you can submit your bonus category selections. 

Do I start enjoying my bonus categories immediately?

The first time you choose your bonus categories, they are effective immediately.

Any subsequent selections will be effective from the first day of the following quarter. 

For example, if I’m approved for my UOB Lady’s Card on 2 July 2025 and choose ‘Family’ as my bonus category, I will enjoy 4 mpd on supermarket spend immediately.

If on 5 August 2025 I change my bonus category to ‘Dining’, I will need to wait till 1 October 2025 to start enjoying 4 mpd on restaurants. In other words, the ‘Family’ selection is valid till the end of the current quarter (30 September 2025)

What’s the deadline for selecting bonus categories?

Bonus categories can be selected up till 2359 hours (SGT) the day before the first calendar date of the following calendar quarter.

For example, I can submit my bonus categories up till 2359 hours on 30 September 2025, which will then be effective from 1 October to 31 December 2025 (Q4). 

Can I change my bonus selection?

Bonus categories can be re-selected at any time, but the new selection will only take effect from the start of the following calendar quarter. 

What If I change my mind regarding my selections?

If you’ve changed your mind, simply resubmit your selections. UOB will take your most recent selection as the binding one. 

However, do remember that the new bonus categories will only take effect from the following quarter. 

Do I need to re-select my bonus categories every quarter?

No. If you do not manually re-select your bonus categories, the choices from the previous quarter will be automatically carried over.

What happens if I upgrade from the UOB Lady’s Card to the UOB Lady’s Solitaire Card?

If you upgrade from the Lady’s Card to the Lady’s Solitaire Card, your additional bonus category will only be effective from the following calendar quarter.

For example, suppose I currently hold the UOB Lady’s Card, with ‘Family’ selected as my bonus category. On 15 July 2025, I am approved for a UOB Lady’s Solitaire Card, and select ‘Dining’ and ‘Family’ as my bonus categories. ‘Dining’ will only be effective from 1 October 2025.

However, the increased bonus cap will apply immediately; i.e. I will be able to earn 4 mpd on ‘Family’ transactions on up to S$2,000 in the month of July 2025.

Can I select two additional bonus categories for my supplementary cardholder?

No. The supplementary cardholder’s bonus categories are the same as those of the principal cardholder. 

Is the bonus cap based on posting date or transaction date?

The bonus cap is based on the posting date of transactions. 

For example, if you make a S$500 transaction on 31 March 2025, but it posts on 3 April 2025, that S$500 spend will count towards April 2025’s cap.

I’ve forgotten what my bonus categories are. How do I check?

You won’t be able to view your bonus categories online, so the only option is to contact UOB customer service. 

UOB shenanigans

I heard UOB has S$5 earning blocks. Is that going to be a problem?

The extent of the S$5 earning blocks problem depends on what UOB card you’re using. For the UOB PRVI Miles Card or UOB Preferred Platinum Visa Card, those S$5 earning blocks can lead to a lot of lost miles. 

However, the effect is much more benign on the UOB Lady’s Cards, because bonus points are awarded as a consolidated lump sum the following month. In calculating this lump sum, all eligible transactions (unrounded, including cents) are summed up and then rounded down once to the nearest S$5.

If you want the full details, refer to the post below. But long story short, I wouldn’t worry about it with the UOB Lady’s Card specifically.

What you should know about UOB’s points rounding policy

I heard I should avoid using UOB cards at UOB$ merchants. Is that true?

This used to be an issue, but ever since 1 November 2024, UOB cardholders can double dip on UNI$ and UOB$ at UOB$ merchants.

In other words, go right ahead. You’ll earn 4 mpd plus additional UOB$ cashback.

UOB One Account

Is the UOB Lady’s Card eligible to earn bonus interest on the UOB One Account?

Yes. Spending on the UOB Lady’s Card, UOB Lady’s Solitaire Card or UOB Lady’s Solitaire Metal Card will count towards the S$500 minimum spend per calendar month required to trigger bonus interest on the UOB One Account. 

By crediting your monthly salary of at least S$1,600 via GIRO or PayNow (with the code SALA/PAYNOW SALA) and spending at least S$500 per month on the UOB Lady’s Cards, you could earn up to 4% p.a. on the first S$150,000 in your UOB One Account.

UOB Lady’s Savings Account

UOB Lady’s Cardholders can earn an extra 2-6 mpd with the UOB Lady’s Savings Account. I’ve written a separate set of FAQs, so refer to the article below for more information.

Complete FAQs: UOB Lady’s Savings Account

Conclusion

The UOB Lady’s Cards are among the most flexible rewards cards in Singapore, thanks to the ability to change bonus categories every quarter.

You can even earn an extra 2-6 mpd by pairing them with the UOB Lady’s Savings Account, though most people will find that the 2 mpd band is the sweet spot— anything beyond this has too high an opportunity cost (in terms of foregone interest on the funds in the account).

If you have other questions about the UOB Lady’s Card that aren’t answered here, feel free to post them below.