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

The UOB Lady’s Card and UOB Lady’s Solitaire Card are among the most versatile rewards cards on the market.

With 4 mpd on a choice of everyday spending categories like dining, travel, groceries and petrol, plus an extra 2-6 mpd from the UOB Lady’s Savings Account and bonus interest from the UOB One Account, it’s understandable why men were lining up around the block when the card went gender neutral in July 2023.

However, recent years haven’t been kind to the UOB Lady’s Solitaire, whose bonus cap has been cut from S$3,000 to S$2,000 and now S$1,500, split into two strict sub-caps of S$750 each. Moreover, with the rise of the Maybank XL Rewards Card and resurgence of the HSBC Revolution, there’s plenty of competition around.

So does this lady still have what it takes?

UOB Lady’s Card & Lady’s Solitaire Card
🦁 MileLion Verdict
☑ Take It ☐ Take It Or Leave It ☐ Leave It
The UOB Lady’s Cards offer great versatility for miles chasers — with bonus miles and interest via the UOB One and Lady’s Savings Account — though the Solitaire requires a fair bit of micromanagement.
What do these ratings mean?
👍 The Good	👎 The Bad
Earn 4 mpd on your choice of beauty & wellness, dining, entertainment, family, fashion, transport or travel Extra 2-6 mpd with UOB Lady’s Savings Account Card spending qualifies for bonus interest on the UOB One Account	Limited number of airline transfer partners Bonus cap for Solitaire is split into 2x S$750 sub-caps, requiring more micromanagement
💳 Full List of Credit Card Reviews

Overview: UOB Lady’s Cards

Let’s start this review by looking at the key features of the UOB Lady’s Cards.

Apply (Lady’s)
Apply (Solitaire)
Income Req.	S$30,000 p.a. Lady’s	Points Validity	24-27 months
	S$120,000 p.a. Solitaire
Annual Fee	S$196.20 (FYF) Lady’s	Min. Transfer	5,000 UNI$ (10,000 miles)
	S$414.20 (FYF) Solitaire
FCY Fee	3.25%	Transfer Fee	S$27
Local Earn	0.4 mpd	Points Pool?	Yes
FCY Earn	0.4 mpd	Lounge Access?	No
Special Earn	4 mpd on 1 or 2 bonus categories	Airport Limo?	No
Cardholder Terms and Conditions

While this article mainly focuses on the UOB Lady’s Card and UOB Lady’s Solitaire, it’s worth noting that the Lady’s portfolio actually consists of three cards.

	Lady’s Solitaire Metal Card	Lady’s Solitaire	Lady’s Card
Min. Income	S$120K Invite Only	S$120K	S$30K
Annual Fee	S$589.99 Non-waivable	S$414.20 Waivable	S$196.20 Waivable
Earn Rate	4 mpd	4 mpd	4 mpd
Bonus Categories	2x	2x	1x
Monthly Cap	S$2K	S$1.5K	S$1K
Mastercard Tier	World Elite	World	World

The third amigo (amiga?) is the UOB Lady’s Solitaire Metal Card, a premium, invite-only card with a non-waivable annual fee of S$589.99. Cardholders enjoy additional benefits such as one complimentary airport transfer and six lounge visits per year, together with World Elite Mastercard perks.

However, you must spend at least S$45,000 in a 3-month period on the UOB Lady’s Solitaire for the possibility of receiving an invitation to upgrade.

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

I personally think there’s no reason to be spending so much on the UOB Lady’s Solitaire in the first place, because of the opportunity cost involved. Remember: any spending beyond the monthly bonus cap earns just 0.4 mpd!

Can I hold multiple UOB Lady’s Cards?

Technically, no.

UOB states (at points 18-23 of the T&Cs) that any existing card will be automatically terminated within one month of upgrading (e.g. from UOB Lady’s Card to Lady’s Solitaire) or downgrading (e.g. UOB Lady’s Solitaire to UOB Lady’s Card).

However, some customers’ cards are never actually cancelled, resulting in them holding more than one. But even if that happens, there’s no upside, because the bonus cap and categories of the most recently approved card apply.

For example, if a UOB Lady’s Cardholder upgrades to the UOB Lady’s Solitaire and holds both cards, their bonus cap will still be S$1,500 per calendar month, for two bonus categories. Likewise, if a UOB Lady’s Solitaire Cardholder downgrades to the UOB Lady’s Card and holds both cards, their bonus cap will still be S$1,000 per calendar month, for one bonus category.

How much must I earn to qualify for a UOB Lady’s Card?

The UOB Lady’s Card has a minimum income requirement of S$30,000 per year. 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 per year, 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.

UOB used to be less strict with the income requirement for the Solitaire, approving applications which fell well short of the S$120,000 requirement. However, recent data points suggest they’re enforcing it again.

One way to improve your chances of approval is to apply via SMS instead of via the website (this only works if you’re an existing UOB cardholder). This allegedly gives you a better chance of approval, but YMMV.

How much is the UOB Lady’s Card’s annual fee?

UOB Lady’s Card
	Principal Card	Supp. Card
First Year	Free	1 card: Free 2nd+ card: S$98.10
Subsequent	S$196.20	1 card: Free 2nd+ card: S$98.10
UOB Lady’s Solitaire Card
	Principal Card	Supp. Card
First Year	Free	2 cards: Free 3rd+ card: S$196.20
Subsequent	S$414.20	2 cards: Free 3rd+ card: S$196.20

The UOB Lady’s Card has an annual fee of S$196.20, 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$98.10 per year.

The UOB Lady’s Solitaire has an annual fee of S$414.20, 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$196.20 per year.

Annual fee waivers are fairly easy to get in my experience, but be warned that UOB’s default behaviour is to automatically deduct your UNI$ to cover the annual fee.

How do UOB’s automatic UNI$ deductions for annual fees work?

When the time comes for renewal, you will either be charged: 

	UOB Lady’s Card	UOB Lady’s Solitaire
Full Waiver	UNI$6,500	UNI$10,000
Half Waiver	UNI$3,250 + S$98.10	UNI$5,000 + S$207.10

• If you have sufficient UNI$ for a full waiver, the full waiver option will be automatically selected
• 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 cash

It’s important to monitor your statement and request a waiver when this happens. This can be easily done via the UOB TMRW app:

1. Log in to the UOB TMRW app
2. Tap Accounts at the bottom of the screen
3. Select the card you wish to request a fee waiver for
4. Tap Settings > Waive Fees
5. Select Annual Fee and confirm

You must wait for the annual fee to be posted to your account before a waiver can be requested. Otherwise you’ll get an error message saying “your card currently has no annual fee incurred within the past 120 days”. It usually takes 1-2 days for the annual fee to go from pending to posted, so be patient!

Also, it is normal that you don’t see a line item in the UNI$ history reflecting the annual fee refund. However, the reversal will show in your recent transactions and eStatement, and your UNI$ balance will increase after 1-2 days.

Be sure to set a calendar reminder for this annual exercise. If you can’t remember your anniversary date, look at the expiry date on your credit card; the month corresponds to the month your annual fee will be charged.

For what it’s worth, if UOB subsequently grants you a fee waiver, the reinstated UNI$ will have a fresh validity period of 24-27 months.

How many miles do I earn?

Regular earn rates

The UOB Lady’s Cards normally earn 1 UNI$ for every S$5 spent (0.4 mpd) in Singapore Dollars (SGD) or foreign currency (FCY).

Needless to say, this is a highly unattractive rate, and you should only be using this card for bonus-eligible spending.

Bonus Spending

The UOB Lady’s Cards earn 10 UNI$ for every S$5 spent (4 mpd) in SGD or FCY on bonus categories, split into:

• A base reward of 1X UNI$ per S$5 (0.4 mpd)
• A bonus reward of 9X UNI$ per S$5 (3.6 mpd)

The number of bonus categories and monthly bonus cap differ depending on card.

Card	Bonus Categories	Monthly Bonus Cap
UOB Lady’s Card	1x	S$1,000
UOB Lady’s Solitaire	2x	S$1,500 (S$750 per category)
UOB Lady’s Solitaire Metal Card	2x	S$2,000

There are a total of seven possible bonus categories, listed below.

I’ve written a separate post discussing which bonus categories you should choose, but if you can’t decide, “Fashion” is a solid option because it includes MCC 5311, which is how HeyMax voucher purchases code.

Get 200 Max Miles when you open an account and complete your first transaction
Sign up here
Airalo Amazon Best Denki Courts Foodpanda Giant GetGo Grab IKEA iShopChangi Klook MINISO Natureland	NTUC FairPrice Oddle Eats Pelago Pupsik Ryde Shein Shell Sheng Siong Sephora TADA TANGS ZALORA
All voucher purchases code as MCC 5311 (Department Stores)

Transactions made directly at these merchants would code under a wide range of MCCs, but everything is standardised to 5311 when bought through HeyMax. It’s like not having to choose a bonus category at all!

A special note about the Travel category

UOB does not publish an explicit list of MCCs covered under Travel. However, I have managed to confirm that the following MCCs are included:

• Airlines (MCC 3000-3299, 4511, 4582)
• 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 taxis/private hire cars are not included in Travel.

Where airlines are concerned, do note that not every single MCC within the 3000-3299 range is included. But this shouldn’t keep you up at night, because the excluded ones mostly relate to defunct airlines like Ansett (anyone remember them?), Pan American and Virgin America, or airlines I doubt you’d ever fly, like Zambia Airways and Sudan Airways.

Also, the airline MCC range actually runs from MCC 3000-3350. Fortunately, there are only five airlines with MCCs in the 3300+ range:

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

The one to be careful with here is China Southern, because this omission has caught out more than a few people (though points were granted on appeal).

The same thing goes with hotels, where not every single MCC in the 3500-3999 range is covered. Surprisingly, MCC 3831 Waldorf Astoria is not included, nor are the following:

• MCC 3618 Great Wolf: A chain of resort hotels and indoor water parks across the USA
• MCC 3627 Extended Stay America: A budget chain with 650 locations across the USA and Canada
• MCC 3766 Fremont Hotel and Casino: Located in Las Vegas
• MCC 3767: Main Street Station Hotel and Casino: Located in Las Vegas
• MCC 3768: Silver Star Hotel and Casino: Located in Las Vegas
• MCC 3769: Stratosphere Hotel and Casino: Located in Las Vegas

Refer to the article below for more details.

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

Selecting and changing bonus categories

Choose bonus categories

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.

Upgrading and downgrading cards

If you have a UOB Lady’s Card and upgrade to the UOB Lady’s Solitaire, the revised bonus cap applies immediately. However, the additional bonus category will only be effective from the following calendar quarter.

If you have a UOB Lady’s Solitaire and downgrade to the UOB Lady’s Card, you will need to reselect your bonus category (contact UOB customer service for assistance). The revised bonus cap (S$1,000 per category instead of S$750) only applies from the following calendar month — but take note that it may not be automatic.

I’ve read several online complaints that customers who downgraded from the Solitaire to regular Lady’s Card are still capped at S$750 for their single bonus category. Apparently, this is a known issue that UOB is investigating, but it’s not clear to me whether it’s been resolved.

Make a point of checking!

What is the FCY transaction fee?

All FCY transactions on the UOB Lady’s Cards incur a 3.25% fee, on par with the rest of the market.

Therefore, spending on your UOB Lady’s Card overseas represents buying miles at 0.81 cents each (3.25%/4 mpd), which is reasonable enough in my book.

Transaction date or posting date?

The bonus cap on the UOB Lady’s Cards is enforced based on posting date, not transaction date.

For example, if you made a transaction on 31 January 2025 and it posts on 2 February 2025, that amount will count towards February 2025’s bonus cap.

In other words, you should exercise caution when spending towards the end of the calendar month, in case transactions “leak” into the following period.

Transaction date vs posting date: Which cards use what?

Dealing with the Solitaire’s sub-cap

UOB Lady’s Solitaire Cardholders have an additional frustration to contend with.

Ever since 1 August 2025, the monthly bonus cap of S$1,500 has been subdivided into a strict S$750 per category. This means you can no longer utilise your entire bonus cap in a single category (which is still possible with the UOB Lady’s Solitaire Metal Card). Even if you select just one bonus category instead of two, your total bonus cap will be S$750, so there’s no beating the system!

Keeping track of your spending is going to be a frustrating task. UOB does not keep a running tally of how much cap you have left for each bonus category, nor does it categorise your spending. The only way to know how much cap remains for each bonus category is to go line by line and tally up the spend— which transactions belong to category 1, which transactions belong to category 2?

There are two ways of tackling this issue.

The first is to apply for a supplementary card. This does not increase your bonus cap, but it makes it much easier to track your spending. For example, you could put all the spending for bonus category #1 on the principal card, and all the spending for bonus category #2 on the supplementary card. Since these cards are shown as separate accounts on internet banking, you can just look at the total spend on a card level and ensure it doesn’t exceed S$750 per calendar month.

The second is to max out one bonus category at the start of each month, by simply buying vouchers. For example, you could purchase S$750 worth of vouchers in Category 1 (I suggest choosing HeyMax and buying vouchers across merchants you know you’ll spend with), then use the card for spending in Category 2 only. Your spending for Category 2 will basically be X – S$750, where X is the amount spent so far. 

Neither solution is ideal though, and it’s obvious that the reason for the split is to ensure that fewer people can max out their bonus cap each month.

While the HeyMax Card Maximiser offers an excellent solution to this problem for the UOB Preferred Visa and UOB Visa Signature, it does not support Mastercard.

When are UNI$ credited? 

Base UNI$ are credited when the transaction posts. Bonus UNI$ will be credited at the start of the calendar month after the transaction.

On the UOB TMRW app, you will see a lump sum for your bonus category or categories, credited on the 1st of the following month.

How are UNI$ calculated?

Here’s how you can work out the UNI$ earned on your UOB Lady’s Cards:

You may have heard this common warning about UOB cards: “don’t use them for transactions that aren’t in multiples of S$5, because you’ll lose points to rounding!”

This is true in general. With UOB, transactions are rounded down to the nearest S$5, so a S$9.99 transaction earns the same as a S$5 transaction, and a S$4.99 transaction earns no points at all.

What you should know about UOB’s points rounding policy

However, this is much less of a concern with the UOB Lady’s Cards, because of how points are calculated. When calculating the 9X bonus, all unrounded transactions are summed up, then rounded down once to the nearest S$5.

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.

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 still count towards 9X bonus points. 

If you’re an Excel geek, here’s the formulas you need to calculate your points: 

For the full list of formulas that banks use to calculate credit card points, do refer to these articles:

• General Spending Cards
• Specialised Spending Cards

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:

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

Do note that Amaze transactions no longer earn points with UOB cards, ever since 1 October 2024. 

UNI$ will be awarded for CardUp, but not ipaymy. However, the UOB Lady’s Cards will only earn 0.4 mpd on such transactions, so you’re much better off using the UOB PRVI Miles or another general spending card instead.

What do I need to know about UNI$?

Expiry

The validity of UNI$ is often quoted as 2 years.

However, UNI$ actually expire 2 years from the last day of each periodic quarter in which the UNI$ was earned.

For example, any UNI$ earned between 1 January to 31 March 2025 will expire on 31 March 2027. This means that the validity is actually 24-27 months, depending on when the UNI$ were earned.

For what it’s worth, once you transfer your points to KrisFlyer you’ll have a further three years to enjoy them. If you choose Asia Miles, your miles will never expire so long as you earn or redeem at least one mile every 18 months.

You can check the validity of your UNI$ on the UOB TMRW app under Rewards + > My Rewards > UNI$. However, this will only show the next batch of expiring UNI$. If you want a full rundown of all expiring UNI$, you’ll need to contact customer service.

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 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 programmes at a 1:2 ratio, with a minimum transfer block of 5,000 UNI$.

There are effectively only two partners, however (converting points to Air Asia is like throwing them away), which is somewhat limited compared to competitors like Citi, HSBC and OCBC.

Frequent Flyer Programme	Conversion Ratio (UNI$: Partner)
	5,000: 10,000
	5,000: 10,000
	2,500: 4,500

Transfers cost S$27 per programme (recently increased from S$25), regardless of how many points are transferred.

UOB used to offer an auto-conversion programme for KrisFlyer, which automatically converted any UNI$ in excess of UNI$15,000 into miles in blocks of UNI$2,500, on the last day of the calendar month.

However, this was discontinued on 20 May 2026. It’s no big loss, really, given how restrictive it was (only amounts above 15,000 UNI$ were converted, for reasons only UOB knows!).

Transfer Times

UOB transfers to KrisFlyer are typically 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 with no fees.

S$5 for new Kris+ Users

Get S$5 when you sign-up with code W644363 and make your first transaction

However, 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). 

If you choose to do so nonetheless, do remember that it’s a two-step process:

1. Transfer UNI$ to KrisPay miles
2. Transfer KrisPay miles to KrisFlyer miles

Do not forget the second step! If you wait more than 21 days, or spend any of the converted KrisPay miles via Kris+, the entire balance will be stuck in the Kris+ app. KrisPay miles expire after six months, and can only be spent at a poor rate of 100 miles = S$1. 

More Lady’s Card FAQs

While I hope you were able to find the answers you needed in this review, I’ve also written a separate post that covers many FAQs about the UOB Lady’s Cards

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

Other card perks

Bonus miles from UOB Lady’s Savings Account

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.

The maximum bonus UNI$ you can earn from the Lady’s Savings Account is capped at:

• UOB Lady’s Card: S$1,000 per calendar month
• UOB Lady’s Solitaire Card: S$1,500 per calendar month (and S$750 per category)
• UOB Lady’s Solitaire Metal Card: S$2,000 per calendar month

Since the Lady’s Savings Account offers a miserly interest rate of just 0.05% p.a., you’re basically trading interest for miles. That said, I believe that a S$10,000 deposit might be the sweet spot, provided you’re confident about maxing out the bonus cap each month.

To illustrate this, refer to the table below.

• If you can earn a greater return on your money than the rates in this table, then miles are the inferior choice
• If you cannot earn a greater return on your money than the rates in this table, then miles are the superior choice

💰 Deposit: S$10,000 (Extra 2 mpd from Lady’s Savings Account)
Mile Value	Lady’s	Solitaire
2 cents	4.8%	7.2%
1.9 cents	4.6%	6.8%
1.8 cents	4.3%	6.5%
1.7 cents	4.1%	6.1%
1.6 cents	3.8%	5.8%
1.5 cents	3.6%	5.4%
1.4 cents	3.4%	5.0%
1.3 cents	3.1%	4.7%
1.2 cents	2.9%	4.3%
1.1 cents	2.6%	4.0%
1 cent	2.4%	3.6%
Highlighted in yellow = my personal value of a mile

I’ve written a separate article covering FAQs about the UOB Lady’s Savings Account.

Complete FAQs: UOB Lady’s Savings Account

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 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.

Where award tickets are concerned, coverage will apply if entire cost of ticket is redeemed with an airline mileage programme associated with the card (i.e. Asia Miles, AirAsia Rewards or KrisFlyer miles) and the card is used to pay the taxes and surcharge component.

UOB One Account

The UOB One Account is widely considered the best bank account for miles chasers, because unlike other “hurdle accounts”, which require customers to spend on cashback cards, purchase overpriced investment or insurance products, or take out a mortgage, it’s refreshingly straightforward.

Customers can earn up to 1.9% p.a. by simply meeting two requirements:

• Spend at least S$500 per calendar month on selected UOB cards
• Credit a salary of at least S$1,600 per month

Spending on all three UOB Lady’s Cards is eligible for bonus interest.

World Elite Mastercard benefits

The UOB Lady’s Solitaire Metal Card is part of the World Elite Mastercard tier, which means that principal and supplementary cardholders are entitled to the following privileges.

Summary Review: UOB Lady’s Card

Apply (Lady’s)

Apply (Solitaire)

🦁 MileLion Verdict

☑ Take It ☐ Take It Or Leave It ☐ Leave It

The UOB Lady’s Cards offer great versatility, thanks to the ability to rotate your bonus category every quarter. The UNI$ earned can be pooled with other 4 mpd cards like the UOB Preferred Visa and UOB Visa Signature, and you can stack bonus miles from the UOB Lady’s Savings Account and bonus interest from the UOB One Account.

However, UOB Lady’s Solitaire Cardholders have to juggle two separate sub-caps of S$750 each (not impossible, just annoying). Also, the limited number of transfer partners continues to be a shortcoming, and you need to be on your toes about UOB’s automatic UNI$ deductions for annual fee waivers.

All things considered though, this still remains one of my go-to cards, and should be one of yours — unless you’re a smaller spender. If so, I would prioritise getting a DBS Woman’s World Card and Citi Rewards Card, and maxing out their respective bonus caps first. These cards award bonuses based on a blacklist policy — where transactions earn 4 mpd unless they’re on the exclusion list — which involves far less thinking on your part.

So that’s my review of the UOB Lady’s Cards. What do you think?