Of the two UOB Lady’s Cards in circulation (well, technically three), the prettier sister has always been the UOB Lady’s Solitaire Card.
Not only does it offer twice the bonus cap of the regular UOB Lady’s Card, it also allows cardholders to choose an additional bonus category to earn 4 mpd on. It’s in every way an upgrade, though it does come with an elevated S$120,000 income requirement (which may or may not be strictly enforced, depending on UOB’s mood).
Unfortunately, that’s set to change from August 2025, when UOB cuts the bonus cap to S$1,500 per month, and divides it equally between the two bonus categories— removing the flexibility cardholders previously had to allocate the cap however they wished.
UOB Lady’s Solitaire Card cuts monthly bonus cap to S$1,500
Till 31 July 2025
The UOB Lady’s Solitaire Card currently earns 10X UNI$ per S$5 (4 mpd) on a choice of two bonus categories, comprising:
- Base reward: 1X UNI$ per S$5 (0.4 mpd)
- Bonus reward: 9X UNI$ per S$5 (3.6 mpd)
The bonus reward is capped at 3,600 UNI$ per calendar month, equivalent to S$2,000 of spending.
The cap can be split between the two bonus categories in whatever proportion you wish. For example, if I choose Dining and Travel, I could spend S$1,500 on the former and S$500 on the latter (or even S$2,000 on the former and nothing on the latter).
| 👍 Pre-Nerf Illustration: UOB Lady’s Solitaire Card (with S$2K monthly bonus cap, no sub-caps) |
||
| Dining | Travel | |
| Spend | S$1,500 | S$500 |
| Miles | 6,000 (S$1,500 @ 4 mpd) |
2,000 (S$500 @ 4 mpd) |
From 1 August 2025
From 1 August 2025, the UOB Lady’s Solitaire Card will reduce its bonus cap by 25% to 2,700 UNI$ per calendar month, equivalent to S$1,500 of spending.
In addition to this, each bonus category will now have its own cap of 1,350 UNI$ per calendar month, equivalent to S$750 of spending.
For example, if I choose Dining and Travel, and spend S$1,000 on the former and S$500 on latter, I will earn a total of 5,100 miles.
| 👎 Post-Nerf Illustration: UOB Lady’s Solitaire Card (with S$1.5K monthly bonus cap, and S$750 sub-cap) |
||
| Dining | Travel | |
| Spend | S$1,000 | S$500 |
| Miles | 3,100 (S$750 @ 4 mpd & S$250 @ 0.4 mpd) |
2,000 (S$500 @ 4 mpd) |
In other words, I can’t dip into the unused Travel category’s bonus cap to make up for the overspend in the Dining category. And no, before someone asks, even if you just pick one bonus category for your UOB Lady’s Solitaire Card (I don’t know if that’s even possible actually), the bonus cap will still be S$750 per category.
The upshot is that the maximum miles you can earn with the UOB Lady’s Solitaire Card (before crossing into 0.4 mpd territory) will be cut from 96,000 miles to 72,000 miles per year. That 24,000 miles is equivalent to a one-way Business Class ticket to Bangkok, so it’s not insignificant!
No changes to the UOB Lady’s Card or UOB Lady’s Solitaire Metal Card
There are no changes to the UOB Lady’s Card, which will continue to earn 10X UNI$ per S$5 (4 mpd) on a single bonus category, comprising:
- Base reward: 1X UNI$ per S$5 (0.4 mpd)
- Bonus reward: 9X UNI$ per S$5 (3.6 mpd)
The bonus reward is capped at 1,800 UNI$ per calendar month, equivalent to S$1,000 of spending.
The irony here is that the entry-level UOB Lady’s Card will now be better than the UOB Lady’s Solitaire Card, in the sense that you can earn 4 mpd on up to S$1,000 of spending in your preferred bonus category, instead of just S$750 with the Solitaire!
There is also no change to the UOB Lady’s Solitaire Metal Card, which will continue to earn 10X UNI$ per S$5 (4 mpd) on two bonus categories, comprising:
- Base reward: 1X UNI$ per S$5 (0.4 mpd)
- Bonus reward: 9X UNI$ per S$5 (3.6 mpd)
The bonus reward is capped at 3,600 UNI$ per calendar month, equivalent to S$2,000 of spending. This is basically what the UOB Lady’s Solitaire Card is today.
However, do keep in mind that the Metal Card is a more premium, invite-only card with a higher annual fee of S$589.99. You must spend at least S$45,000 in a 3-month period on the UOB Lady’s Solitaire Card for an invitation to upgrade, and even then it’s not guaranteed. Given the bonus caps, there’s no reason why anyone should be spending that much on a UOB Lady’s Solitaire Card to begin with!
In addition to the higher bonus cap, cardholders enjoy benefits such as one complimentary airport transfer and six lounge visits per year, as well as World Elite Mastercard perks.
Changes to the UOB Lady’s Savings Account
The changes to the UOB Lady’s Solitaire Card will also impact the UOB Lady’s Savings Account.
To recap: UOB Lady’s Cardholders can earn a bonus 2-6 mpd from their card spend if they have a UOB Lady’s Savings Account, as summarised in the table below.
| Monthly Average Balance | UNI$ from Lady’s Savings Account | UNI$ from Lady’s or Lady’s Solitaire Card | Total |
| <S$10K | N/A | 10X UNI$ (4 mpd) |
10X UNI$ (4 mpd) |
| S$10,000 to S$49,999 | 5X UNI$ (2 mpd) |
15X UNI$ (6 mpd) |
|
| S$50,000 to S$99,999 | 10X UNI$ (4 mpd) |
20X UNI$ (8 mpd) |
|
| S$100K and more | 15X UNI$ (6 mpd) |
25X UNI$ (10 mpd) |
From 1 August 2025, the maximum bonus UNI$ you can earn from the Lady’s Savings Account will be capped at:
- UOB Lady’s Card: S$1,000 per calendar month (no change)
- UOB Lady’s Solitaire Card: S$1,500 per calendar month (down from S$2,000)
- UOB Lady’s Solitaire Metal Card: S$2,000 per calendar month (no change)
Do note that for the UOB Lady’s Solitaire Card, the S$1,500 cap is split into the same S$750 per category.
Therefore, the maximum miles you can earn from the Lady’s Savings Account will be reduced from 48,000-144,000 miles to 36,000-108,000 miles per year, depending on how much you deposit.
This will also affect your calculations as to whether it’s worthwhile to continue parking funds in this account (which earns just 0.05% p.a. interest), but I’ll cover this in a separate post.
What bonus categories can you choose from?
UOB Lady’s Cardholders can continue to choose from seven bonus categories, with no changes to the definitions or inclusions under each category.
| Category | MCCs | Description |
| (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 | ||
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
Refer to the article below for more details.
Nerf coming to DBS Woman’s World Card too!
In case you were planning to flee back to the bosom of the DBS Woman’s World Card, a gentle reminder that it too will be on the receiving end of a nerf come 1 August 2025, when its monthly bonus cap is cut from S$1,500 to S$1,000 per month.
Nerfed: DBS Woman’s World Card cuts monthly 4 mpd cap to S$1,000
Not a great day to be a miles chaser, that’s for sure…
Conclusion
From 1 August 2025, the UOB Lady’s Solitaire Card will cut its monthly bonus cap by 25% to S$1,500, and further subdivide that into a strict S$750 cap per category. This will also impact the miles that can be earned from the UOB Lady’s Savings Account, and may require a rethink as to how you deploy your capital.
It’s painful to think that at the start of 2024, the bonus cap was a hefty S$3,000 (!) per month, but reductions in bonus caps are more or less the way the wind is blowing right now.
Is it possible to choose just 1 category for The Solitaire card, then enjoy $1.5k for that category?
In other words, I can’t dip into the unused Travel category’s bonus cap to make up for the overspend in the Dining category. And no, before someone asks, even if you just pick one bonus category for your UOB Lady’s Solitaire Card (I don’t know if that’s even possible actually), the bonus cap will still be S$750 per category.
did u read?
and they wonder why birth rates and marriage rates are low?? Think about all the appliances that need to be bought for new house and the bills for kids.. all cannot earn 4MPD now already!
That’s why time to swim to Batam. And find the next Batam Card
Kris+ at HN, AudioHouse with unlimited 3mpd + KrisPay miles
omg. SO MANY NERFS!!! WHHYYY from 3K to 2K to 1.5K and those buggers split between 2 categories!! I am so disappointed.
make hay while sun shines. Ppl will continue to use it, just more effort to track the bonuses now. 🙁
LOL I am… just feel so arugh this yr so many nerfs. 🙁 sad so sad.
Any new card strategies moving forward?
Seems to be a competition among card issuers to nerf more miles earning opportunities. Wonder if it is because miles providers are increasing their selling prices or just CC companies find it unsustainable?
Banks are finding it more unsustainable. Maybe airlines selling the miles are also increasing the rate…all players have to find it commercially viable. Players are also more educated, better able to min/max the cards…
Very sensible thoughts.
Need a guide for Cashback cards strategy sooner than we expected lol
After hitting the mile earning cap, all spending switch to cashback.
many cashback already nerf/reduced also like Maybank Visa Platinum and UOB One
Wow, if coupled with a KF devaluation, it’s pretty much an impossible game to play
sad, almost every article you posted is bad news haha. all going spiral downwards.
As I have been saying for a while, the miles game is coming to a close. And painfully. Cut by cut by cut. A bit at a time. Comparing to just 2 years ago, the difference is ENORMOUS. And, so they say, we are facing a miles devaluation as well. Time to find a new job Milelion – the miles game is almost over.
that’s why I keep my OF account in reserve.
HAHAHA
Can you hold a ladies card AND a ladies solitaire card, and hence earn in 3 categories?
No, you can only hold one lady card at a time.
One reason why all these nerfs have come about is precisely because of the proliferation of websites teaching people (who would otherwise be too lazy to read T&C’s and need spoonfeeding) how to minmax their miles spending accruals. I’d say the birds have finally come home to roost.
Partially true. The site gives the “standard” way to do things. However the best “tricks” remain unpublished and are still out there. And best they do remain unpublished as they can be lucrative. There are probably some I am not even aware of. But I am aware of a way to generate 1.xmpd on pretty much any amount you want for 100% zero cost. Don’t ask me how though, as I am not going to publish it here !
Sounds like a general spending card. That’s your secret?
Oh wow, super irritating
So now must jot down separately how much I have spent on each category?
If the bank is going to introduce category caps, they should at least upgrade their TMRW app to display how much you have spent on each category.
Complain !
Fabulous. So now, if I go to a restaurant that belongs to a hotel, will that be part of the travel category or the dining category? Oh, yes, based on the MCC. So now I have to try and work out which MCC is being used for every hotel restaurant or I don’t know what category I am even using. The whole things is getting ridiculous. No transparency. Stupid rules. UOB catch-ya’s at it’s best. Having made $2bn profit in the last quarter is it REALLY necessary to cap the category? Or is the UOB strategy just to p*ss people… Read more »
That has always been the case, independent of this nerf. With a few exceptions, most hotel restaurants adopt the hotel MCC.
The point is that prior to this change, if your categories were Dining & Travel, you did not have to worry about whether or not the restaurant used the hotels MCC. It would be either Dining or Travel and you would be covered. Now, you need to monitor how much you spend within each category – and so it becomes relevant – is spending at this restaurant spending in the Dining category or the Travel category? – as they are now separate with separate caps. If I have maxed out my Travel category I really only want to be dining… Read more »
Hmmm….so I should cancel the Lady Solitaire, then apply for the Lady card, right? Or just given it up at next renewal.
What a pain
This is my workaround as my bonus categories are dining and family. Quite a few F&B code as 5411, such as (non-exhaustive):
(1) A number of Ya Kun outlets via their Cherish app
(2) Topping up of BreadTalk Rewards credits to use over a variety of participating brands (e.g., Food Junction, Food Republic, Toast Box, DTF).
Have to find different ways!
Late stage capitalism.