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UOB Lady’s Card & UOB Lady’s Solitaire Card Review: Earn 6 Miles Per S$1 on Dedicated Categories

Emma Lam

Emma Lam

Last updated 01 January, 2024

Calling all ladies! If you don’t own the UOB Lady’s credit card, you’re missing out on one of the best miles card for your favourite spend categories.

[UPDATE] The UOB Lady's Cards are now accepting male applicants!

It’s time to get your shopping A-game on because the UOB Lady's Cards are some of the best miles cards on the market right now (maybe even be one of the best credit cards overall). 

Once only available for ladies, this impressive credit card by UOB offers one of the best earning rates for miles and rewards points at 15X UNI$ per S$5 spend (or 6 miles per S$1) across seven preferred reward category(ies) – beauty & wellness, fashion, dining, family, travel, transport, and entertainment. 

And all with no minimum spend

This enhanced rate is ongoing until 29 February 2024.

This 6 miles per S$1 rate on regular credit card spend is quite unheard of, where typically, the highest miles rate most credit cards earn is 4 miles per S$1 only – the exception being the UOB PRVI Miles Card.

To say that you’ll be incredibly pampered in miles with the UOB Lady’s Card and UOB Lady’s Solitaire Card isn't too far from the truth.

Table of contents


Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


MM_BLOGARTICLE_800x250@2x (1)

🎉SingSaver's March Madness Grand Lucky Draw🎉: Get up to 3x chances to win a pair of Round Trip Business Class plane tickets to Tokyo (worth S$13,144) when you successfully apply for participating products. Promo runs from 6 Mar 2024, 5pm, to 31 Mar 2024. T&Cs apply.

Click here to check out our past Lucky Draw winners!


Overview: What the UOB Lady’s Card & UOB Lady’s Solitaire Card can do for you

🔑 Key benefits

UOB Lady's CardUOB_LADYS_MASTER

UOB Lady's Solitaire Card
UOB_LADYS_SOLITAIRE_MASTER-1
Bonus earn rate
15X UNI$ per S$5 / 6 miles per S$1 on eligible spend
Base earn rate
1X UNI$ per S$5 / 0.4 miles per S$1 on all other spend
No. of eligible categories
Choose 1 category only
Choose 2 categories
Bonus rate spend cap
S$1,000 per calendar month
S$3,000 per calendar month
Insurance coverage
- No travel insurance
- Female cancer insurance coverage
- Up to US$100,000 travel insurance
- Female cancer insurance coverage
Pay by Instalments
6 to 12 months of interest-free payment plan
Annual fee
S$196.20
S$414.20
Annual income requirement
Singaporeans/PRs: S$30,000
Foreigners: S$40,000
Everyone: S$120,000
⭐ Now available for both men and women!

UOB_SS_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB Lady's Card Welcome Offer: Get S$350 Cash Credit if you are the first 200 new-to-UOB credit cardmembers and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


Why should you choose UOB Lady’s Card or UOB Lady Solitaire’s Card?

UOB_LADYS_MASTER
UOB Lady's Card
UOB_LADYS_SOLITAIRE_MASTER-1UOB Lady's Solitaire Card

Find yourself easily spending at least S$1,000 per calendar month on a specific category or two? These cards are some of the best miles cards to accumulate your miles quickly and straightforwardly.

Jump to:

  1. Competitive miles earn rate 
  2. Generous bonus spend cap
  3. Complimentary travel insurance coverage
  4. Complimentary e-Commerce protection
  5. Complimentary female cancer insurance coverage
  6. Attractive limited-time sign-up rewards

#1: Up to 15X UNI$ per S$5 spend or 6 mpd earn rate

This is a no-brainer but for any miles enthusiast, one glance and you’ll realise how efficient and effective the UOB Lady’s Card and UOB Lady’s Solitaire Card are at clocking up miles. 

For the uninitiated, the common miles earn rate for miles cards are currently as follows:

 
Miles earn rate
Credit card examples
Tier #1
1.2 - 1.4 mpd
Citi Premiermiles, DBS Altitude, OCBC 90°N, UOB PRVI Miles, Citi Prestige
Tier #2
2 - 2.4 mpd

3 - 3.2 mpd
Citi Premiermiles, DBS Altitude, OCBC 90°N, UOB PRVI Miles, Citi Prestige, Maybank Horizon Visa Signature

UOB KrisFlyer, Maybank Horizon Visa Signature
Tier #3
4 mpd
HSBC Revolution, Citi Rewards, UOB Lady’s, UOB Lady’s Solitaire, UOB Visa Signature, UOB Preferred Platinum Visa (PPV), DBS Woman’s, DBS Woman’s World, OCBC Titanium Rewards
Tier #4
6 mpd
UOB PRVI Miles (for eligible travel bookings on Agoda, Expedia, and UOB Travel only)

UOB Lady’s Card and UOB Lady’s Solitaire used to fall under Tier 3. But with the new update, they've now been bumped up to Tier 4! Both cards now earn up to 15X UNI$ per S$5 spend (or 6 mpd).

The only difference is UOB Lady’s Card permits one category to earn this bonus rate, while UOB Lady’s Solitaire Card permits two categories – chosen at every quarter. 

This enhanced rate is broken down into:

  • 1X Base UNI$
  • 9X Bonus UNI$
  • 5X Additional Bonus UNI$ [NEW]

Where the bonus 14X UNI$ rate is capped at UNI$2,800 (equivalent to S$1,000 spend) for UOB Lady's Card or UNI$8,400 (equivalent to S$3,000 spend) for UOB Lady's Solitaire Card.

Depending on your spending habits, the preferred 15X bonus category will look different for each cardholder.

Thus, they're both excellent cards for dedicated spending on everyday categories – for shopping, dining & food delivery, public transport & ride-hailing services, groceries, and more.

Below are all the eligible MCCs under each category.

Merchant Category Code (MCC)
Description
MCC 5912
Drug Stores & Pharmacies
MCC 5977
Cosmetic Stores
MCC 7230
Barber & Beauty Shops
MCC 7231
Beauty, Barber Shops & Gyms
MCC 7297
Massage Parlours
MCC 7298
Health & Beauty Spas
Merchant Category Code (MCC)
Description
MCC 5811
Caterers
MCC 5812
Eating Places & Restaurants
MCC 5814
Fast Food Restaurants
MCC 5499
Miscellaneous Food Stores – Convenience Stores, Markets, Specialty Stores, & Vending Machines (Inclusive of food delivery)
Merchant Category Code (MCC)
Description
MCC 5813
Bar, Lounge, Disco, Nightclub, Tavern – Alcoholic Drinks
MCC 7832
Motion Picture Theatres
MCC 7922
Theatrical Producers (Excluding Motion Pictures), Ticket Agency

 

Merchant Category Code (MCC)
Description
MCC 5411
Grocery Stores, Supermarkets
MCC 5641
Children’s & Infant’s Wear Stores
Merchant Category Code (MCC)
Description
MCC 5311
Department Stores
MCC 5611
Men’s and Boy’s Clothing & Accessories Stores
MCC 5621
Women’s Ready-To-Wear Stores
MCC 5631
Women’s Accessory & Specialty Stores
MCC 5651
Family Clothing Stores
MCC 5655
Sports Apparel, Riding Apparel Stores
MCC 5661
Shoe Stores
MCC 5691
Men’s and Women’s Clothing Stores
MCC 5699
Accessory and Apparel Stores (Miscellaneous)
 MCC 5948
Leather Goods & Luggage Stores
Merchant Category Code (MCC)
Description
MCC 4111
Transportation – Suburban & Local Commuter Passenger, Including Ferries (Public Transport)
MCC 4121
Limousines & Taxi Cabs (e.g. Grab, Gojek)
MCC 4789
Transportation Services Not Elsewhere Classified
MCC 5541
Service Stations With or Without Ancillary Service
MCC 5542
Fuel Dispenser, Automated

⭐ Only valid for transactions with major airlines and/or hotels with main business activity classified as flights and/or hotels only

For all other purchases, both cards will earn a base 1X UNI$ rate (or 0.4 mpd), except for excluded MCCs.


#2: Generous bonus rate spend cap

Furthermore, both UOB Lady’s Card and UOB Lady’s Solitaire Card have generous bonus rate spend caps (per calendar month) of S$1,000 and S$3,000 respectively. 

To reiterate, these spend caps apply to their bonus earn rates.

Meaning, once their respective spend caps are hit for the month, you’ll no longer earn bonus 15X UNI$ (6 mpd). Instead, the rate will be reduced back to the base 1X UNI$ (0.4 mpd), despite it being a bonus category.

That said, there is no spend cap on base miles earn rates – so you'll always be able to earn some miles at least.

This explains why the UOB Lady’s Card and UOB Lady’s Solitaire Cards’ are effective as dedicated spend cards if you tend to spend a lot monthly. They're also ideal for big-ticket purchases as long as it qualifies as eligible spend. So if you’ve been eyeing that designer bag from Tangs, this is your sign. ✨

UOB_SS_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB Lady's Card Welcome Offer: Get S$350 Cash Credit if you are the first 200 new-to-UOB credit cardmembers and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.

Read more:
DBS Altitude vs Citi PremierMiles vs OCBC 90°N: Comparison
Budgeting 101: Understanding Needs vs Wants
5 Key Money Moves to Make After Budget 2023
8 Ways to Earn More Cashback on Credit Cards, Shopping Apps, and More


#3: Up to US$100,000 complimentary travel insurance

If you refer to our comparison table above, this is one of the main perks the UOB Lady’s Solitaire Card has over the UOB Lady’s Card.

Under this travel insurance policy, cardholders can expect:

  • Up to US$100,000 overseas medical expenses coverage for both sickness and injury
  • Emergency medical evacuation/return of mortal remains
  • Up to US$100 in-hospital cash benefit per day
  • Up to US$100 overseas COVID-19 diagnosis quarantine allowance

Since travelling has been back in full swing for a while now, everyone has been redeeming their miles accumulated since lockdown days. While there’s nothing wrong with buying travel insurance separately, having separate existing coverage definitely removes one less burden from your travel checklist.

However, do be cautious when buying travel insurance as a top-up to things like air tickets. Though you might be paying a low premium, it might not offer the specific coverage you need like protecting camera equipment, laptops, phones, and others.

💡 Pro-tip: Purchase travel insurance with coverage for frequent flyer miles and points. This keeps your miles protected in the event of any unforeseen circumstances.

SS_TI_KF_BLOGARTICLE-1

SingSaver's Most Recommended Travel Insurance Products: Apply today to enjoy comprehensive coverages at affordable premiums, irresistible sign-up offers, and the ultimate peace of mind during your travels.

Product Best for Key coverages Promotion
Allianz Travel Hero
[Lowest price in Singapore guaranteed]
logo-allianz-travel

 

High coverage per dollar - Up to S$500,000 for overseas medical expenses

- Up to S$150,000 accidental death and total and permanent disability

- Up to S$15,000 travel cancellation

- Up to S$3,000 flight delay (S$400 for daily receipts limit, min 6h)

- Up to S$3,000 loss of baggage
Receive 4 miles per S$1 spend on your premium, plus a chance to win 100,000 KrisFlyer miles! Valid till 1 April 2024, 8.59am.

Rewards are stackable (2+2 miles) for Travel Miles Campaign and 100,000 KrisFlyer miles T&Cs. T&Cs apply.

Exclusive on SingSaver only.
FWD Travel Insurance
[Best deal guaranteed] 

fwdlogo

 

Affordability  - Up to S$1,000,000 for overseas medical expenses

- Up to S$400,000 accidental death and total and permanent disability

- Up to S$15,000 travel cancellation

- Up to S$1,000 flight delay (S$100/6h)

- Up to S$7,500 loss of baggage
Enjoy 35% off your plan with promo code ENDMAR24. Valid till 26 March 2024. T&Cs apply.

Receive 4 miles per S$1 spend on your premium, plus a chance to win 100,000 KrisFlyer miles! Valid till 1 April 2024, 8.59am.

Rewards are stackable (2+2 miles) for Travel Miles Campaign and 100,000 KrisFlyer miles T&Cs. T&Cs apply.
MSIG TravelEasy
[Best deal guaranteed] 

msig-logo

 

Comprehensive medical coverage - Up to S$1,000,000 for overseas medical expenses

- Up to S$500,000 accidental death and total and permanent disability

- Up to S$15,000 travel cancellation

- Up to S$1,500 flight delay (S$100/6h)

- Up to S$7,500 loss of baggage
Enjoy 45% off and up to S$40 Grab Voucher. Valid till 31 March 2024. T&Cs apply.

Receive 4 miles per S$1 spend on your premium, plus a chance to win 100,000 KrisFlyer miles! Valid till 1 April 2024, 8.59am.

Rewards are stackable (2+2 miles) for Travel Miles Campaign and 100,000 KrisFlyer miles T&Cs. T&Cs apply.

Read more:
6 Best Ways to Redeem Your Miles Without Travelling
7 Common Mistakes People Make When Redeeming Miles
7 Common Mistakes When Buying Travel Insurance That is Costing You Money


#4: Complimentary e-Commerce protection

Available for both UOB Lady’s Card and UOB Lady’s Solitaire Card, this perk should cater more towards our shopaholic women out there. 🛒🛍️

With the prevalence of online shopping nowadays, it’s easy to do all your retail therapy with a few mouse clicks from the comfort of your home. But that’s why all the more, it’s important to make sure your precious online purchases make their way safely to your doorstep!

But, for ladies who are fans of Buy-Now-Pay-Later schemes, the UOB Lady’s Solitaire offers an additional benefit of 0% LuxePay. This perk allows you to pay off your transactions over 6- to 12-month interest-free payment plans.

💡 Pro-tip: Another credit card that offers e-Commerce protection is the OCBC Titanium Rewards Card.

Read more:
BNPL vs Credit Cards: Which is More Dangerous?
Best Credit Cards + Buy Now Pay Later Rewards Combos


#5: Up to S$200,000 female cancer insurance coverage

Featured

UOB Lady’s Savings Account

UOB Lady’s Savings Account
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No min. deposit required.","Enjoy female cancer coverage of up to S$200,000 and a suite of medical, dental, and wellness benefits","No medical assessment required to receive female cancer coverage","Complimentary yearly health check","Enjoy a S$13 medical consultation rate across 500 clinics islandwide for you and up to 4 dependents","Enjoy dental services at S$95 nett at 14 clinics islandwide","Participate in complimentary Pilates group classes or discounted in-studio Pilates Mobility Fitness Sessions at S$107","Read our full review of the <a href=\"https://www.singsaver.com.sg/blog/uob-ladys-savings-account-review\" target=\"_blank\">UOB Lady's Savings Account</a>"],"cons":["Min. initial deposit of S$1,000 required","S$2 charge applies if daily average balance for the month falls below $1,000"]},"eligibility":[{"type":{"key":"MINIMUM_AGE","display":"Minimum Age"},"value":"16","description":{"shortDescription":"","longDescription":null,"tooltip":null}},{"type":{"key":"MINIMUM_MONTHLY_INCOME","display":"Min. 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Signing up for any of the cards in the UOB Lady’s series entitles cardholders to female cancer coverage based on your UOB Lady’s Savings Account.

Apart from earning 0.05% p.a. interest on all balances, it also provides up to S$200,000 female cancer coverage based on the accrued balance. Women up to 55 years old are allowed to apply for this account.

What’s more, medical consultations are available for as low as S$13 at over 500 clinics islandwide, extendable to four dependents. Every accountholder also has access to a free health screening every year.

This coverage is guaranteed upon opening the account, without any prior medical assessment or declaration.

💡 Pro-tip: All of the UOB Lady’s Cards can also be paired with the UOB One Account. Spend a minimum of S$500 monthly and credit a minimum S$1,600 monthly salary to earn at least 3.85% p.a. interest easily.

The maximum attainable interest earned in the UOB One Account is 7.8% p.a. on balances between S$75,000 and S$100,000.

Read more:
Why Pair DBS Woman’s World Card & DBS Altitude
7 Reasons Why Men Should Sign Up For Women’s Credit Cards


#6: Attractive sign-up rewards

Who doesn't love a good credit card reward? We know we do!

So you best believe we're capitalising on UOB Lady's Cards' attractive sign-up rewards available for a limited time only.

UOB-Ladys-Master-01-Apr-25-2022-08-08-40-74-AM

uobladysolitaire-1

UOB_SS_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB Lady's Card Welcome Offer: Get S$350 Cash Credit if you are the first 200 new-to-UOB credit cardmembers and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


How to calculate UNI$?

Now, this is a question specific to UOB credit cards, but it’s an essential query to address.

When are UNI$ usually credited?

Base 1X UNI$: Credited when transactions post, usually within 1 - 3 working days

Bonus 14X UNI$: Credited by end of the following calendar month

The base 1X UNI$ per S$5 spend is credited when the transaction posts, usually within one to three working days. Subsequently, the bonus 14X UNI$ per S$5 spend will be credited by the end of the calendar month after the transaction.

UNI$ are calculated in blocks of S$5, rounded down to the nearest S$5. However, note that the bonus UNI$ points are only calculated once, not per transaction.

Here are some calculations to illustrate:

Spend amount
Base 1X UNI$
Bonus 9X UNI$
S$4.99
0
Step #1
$4.99 + $5.99 + $14.99 + $15.99 + $20.99 = S$62.95 ≈ S$60 (rounded down to nearest S$5)


Step #2
S$60 / S$5 = 12 times


Step #3
12 x 14X UNI$ = 168X UNI$
S$5.99
1
S$14.99
2
S$15.99
3
S$20.99
4
Total UNI$ points earned
10 base UNI$
168 bonus UNI$ 

In total, this cardholder will earn 178 UNI$; and since 1 UNI$ = 2 miles, this is equivalent to 356 miles. Basically, as long as you round down your transactions to the nearest S$5 block, calculating your base and bonus UNI$ shouldn’t be too much of a problem.

Admittedly, UOB’s approach to calculating UNI$ points earned is on the trickier and more troublesome side. But is it enough of a deterrence to convince you against getting a UOB Lady Card for yourself?

That's up to you to decide. 


What charges or fees should you look out for?

 
UOB Lady’s Card
UOB Lady’s Solitaire Card
Annual fee
S$196.20 (First year waived)
$414.40 (First year waived)
Minimum monthly payment
3% of current balance or S$50, whichever is higher
Late payment charge
S$100
Overlimit fee
S$40
Cash advance fee
6%, subject to min. S$15 fee
Stolen/lost card liability
S$100
Foreign currency transaction fee
3.25%
Interest on purchases
27.8% p.a.
Interest on cash advance
28.5% p.a.


Eligibility criteria

 
UOB Lady’s Card
UOB Lady’s Solitaire Card
Minimum age requirement
At least 21 years old
Minimum annual income (Singaporeans/PRs)
S$30,000 or a fixed deposit collateral of at least S$10,000
S$120,000 or a fixed deposit collateral of at least S$30,000
Minimum annual income (Foreigners)
S$40,000 or a fixed deposit collateral of at least S$10,000
S$120,000 or a fixed deposit collateral of at least S$30,000

How to apply?

UOB_LADYS_MASTER
UOB Lady's Card
UOB_LADYS_SOLITAIRE_MASTER-1UOB Lady's Solitaire Card

Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees (Singaporeans/PRs):
    • Fixed monthly salary ≥ S$2,500:
      • Last 12 months' CPF statement
      • Latest original computerised payslip
      • Latest Income Tax Notice of Assessment and last 12 months' CPF statement or latest original computerised payslip
    • Fixed monthly salary < S$2,500:
      • Past 12 months' CPF statement
      • Latest 3 months' computerised payslip
      • Latest Income Tax Notice of Assessment and last 12 months' CPF statement or latest original computerised payslip
    • Length of employment < 3 months: Last computerised payslip, company Letter certifying employment, and monthly salary
  • Self-employed: Latest Income Tax Notice of Assessment

BEST-DEAL-GUARANTEE_BLOGARTICLE_800x250 (1)

SingSaver's Best Deal Guarantee: Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


Should you get the UOB Lady’s Card or UOB Lady’s Solitaire Card?

Previously meant only for women, the UOB Lady's Card and UOB Lady's Solitaire Card are now open to both genders, making them great for the mile-chasers. Offering up to 6 mpd and impressive coverage for travel insurance, what else could you want?

Ultimately, which card you get boils down to how much your monthly expenses are. If you find yourself frequently spending above S$1,000 per month, the UOB Lady's Solitaire Card would be more suited to your spending habits.

However, if you're able to keep your expenses under S$1,000 per month, then the UOB Lady's Card will suffice.

UOB_SS_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB Lady's Card Welcome Offer: Get S$350 Cash Credit if you are the first 200 new-to-UOB credit cardmembers and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.

 

Although she struggles *slightly* in resisting good deals and sales, Emma is on a lifelong journey to understand what financial independence as a Z-llennial means. That said, her inner child is still very much alive… with animals and gaming being her weaknesses.

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