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] Earn up to 6 miles per dollar with no minimum spend 💵
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.
As Singapore’s first-ever dedicated card for ladies, this impressive credit card offers one of the best earning rates for miles and rewards points at 10X UNI$ 15X UNI$ per S$5 spend (or 4 miles 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.
On top of that, new-to-UOB card applicants are eligible for up to S$510 worth of Grab vouchers and lululemon gift cards along with a limited-edition silk twilly scarf. T&Cs apply.
🎁 For more details on these limited-time rewards, click here.
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$1 only – the exception being the UOB PRVI Miles Card.
To say that you’ll be incredibly pampered in miles with the UOB Lady’s Card and UOB Lady’s Solitaire Card isn't too far from the truth.
💡Pro-tip: Sign up through our SingSaver page to earn twice the sign-up rewards!
Table of contents
- Overview: UOB Lady’s Card & UOB Lady’s Solitaire Card
- Why should you get UOB Lady’s Card or UOB Lady’s Solitaire Card?
- How to calculate UNI$?
- Eligibility, fees & charges
Overview: What the UOB Lady’s Card & UOB Lady’s Solitaire Card can do for you
UOB Lady's Card
UOB Lady’s Card product summary:
- Bonus miles/points earn rate: 6 miles per S$1 spend (6 mpd) or 15X UNI$ per S$5 spend on one chosen category
- Base miles/points earn rate: 0.4 miles per S$1 spend (0.4 mpd) or 1X UNI$ per S$5 spend on all other spend
- Bonus rate spend cap: S$1,000 per calendar month
- Income requirement: S$30,000 (Singaporeans/PRs), S$40,000 (Foreigners)
- Annual fee: S$194.40 (1st year waived)
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UOB Lady’s Card
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Pros
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Cons
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15X UNI$ per S$5 spend (6 mpd) on one selected category
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Can only choose 1 bonus rate category per quarter
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1X UNI$ per S$5 spend (0.4 mpd) on all other eligible spend
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All other spend earns base 1X UNI$ rate
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S$1,000 bonus rate spend cap per calendar month
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UNI$ are calculated in S$5 blocks, rounded down to nearest S$5
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Complimentary e-Commerce protection on online purchases
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Not valid for men to apply
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Free first supplementary card
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No minimum spend
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UOB Lady's Solitaire Card
UOB Lady’s Solitaire Card product summary:
- Bonus miles/points earn rate: 6 miles per S$1 spend (6 mpd) or 15X UNI$ per S$5 spend on two chosen categories
- Base miles/points earn rate: 0.4 miles per S$1 spend (0.4 mpd) or 1X UNI$ per S$5 spend on all other spend
- Bonus rate spend cap: S$3,000 per calendar month
- Income requirement: S$120,000 (Singaporeans/PRs & Foreigners)
- Annual fee: S$410.40 (1st year waived)
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UOB Lady’s Solitaire Card
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Pros
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Cons
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15X UNI$ per S$5 spend (6 mpd) on two selected categories
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Can only choose 2 bonus rate categories per quarter
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1X UNI$ per S$5 spend (0.4 mpd) on all other eligible spend
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All other spend earns base 1X UNI$ rate
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S$3,000 bonus rate spend cap per calendar month
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UNI$ are calculated in S$5 blocks, rounded down to the nearest S$5
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Complimentary e-Commerce protection on online purchases
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More expensive annual fee of S$410.40
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Up to S$100,000 complimentary travel insurance coverage
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Not valid for men to apply
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Free supplementary cards for life
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No minimum spend
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Comparison between UOB Lady’s Card & UOB Lady’s Solitaire Card features
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Comparison criteria
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UOB Lady’s Card
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UOB Lady’s Solitaire Card
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15X UNI$ per S$5 spend (6 mpd) bonus rate
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1 selected category only
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2 selected categories
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Bonus rate spend cap
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S$1,000 per calendar month
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S$3,000 per calendar month
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Insurance coverage
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- No travel insurance
- Female cancer insurance coverage |
- Up to US$100,000 travel insurance
- Female cancer insurance coverage |
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Annual fee
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S$194.40
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S$410.40
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Pay by Instalments
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No
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6 to 12 months of interest-free payment plan
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Why should you choose UOB Lady’s Card or UOB Lady Solitaire’s Card?
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Find yourself easily spending at least S$1,000 per calendar month on a specific category or two? These cards are some of the best miles cards to accumulate your miles quickly and straightforwardly.
Jump to:
- Competitive miles earn rate [NEW]
- Generous bonus spend cap
- Complimentary travel insurance coverage
- Complimentary e-Commerce protection
- Complimentary female cancer insurance coverage
- Attractive limited-time sign-up rewards [NEW]
#1 Up to 15X UNI$ per S$5 spend or 6 mpd earn rate [NEW]
This is a no-brainer but for any miles enthusiast, one glance and you’ll realise how efficient and effective the UOB Lady’s Card and UOB Lady’s Solitaire Card are at clocking up miles.
For the uninitiated, the common miles earn rate for miles cards are currently as follows:
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Miles earn rate
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Credit card examples
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Tier #1
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1.2 - 1.4 mpd
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Citi Premiermiles, DBS Altitude, OCBC 90°N, UOB PRVI Miles, Citi Prestige
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Tier #2
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2 - 2.4 mpd
3 - 3.2 mpd |
Citi Premiermiles, DBS Altitude, OCBC 90°N, UOB PRVI Miles, Citi Prestige, Maybank Horizon Visa Signature
UOB KrisFlyer, Maybank Horizon Visa Signature |
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Tier #3
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4 mpd
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HSBC Revolution, Citi Rewards, UOB Lady’s, UOB Lady’s Solitaire, UOB Visa Signature, UOB Preferred Platinum Visa (PPV), DBS Woman’s, DBS Woman’s World, OCBC Titanium Rewards
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Tier #4
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6 mpd
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UOB PRVI Miles (for eligible travel bookings on Agoda, Expedia, and UOB Travel only)
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UOB Lady’s Card and UOB Lady’s Solitaire used to fall under Tier 3. But with the new update, they've now been bumped up to Tier 4! Both cards now earn up to 15X UNI$ 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 what your spending habits are, 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.
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Eligible Category
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Merchant Category Code (MCC)*
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Beauty & Wellness
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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
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Dining
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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)
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Entertainment
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MCC 5813: Bar, Lounge, Disco, Nightclub, Tavern – Alcoholic Drinks
MCC 7832: Motion Picture Theatres
MCC 7922: Theatrical Producers (Excluding Motion Pictures), Ticket Agency
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Family
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MCC 5411: Grocery Stores, Supermarkets
MCC 5641: Children’s & Infant’s Wear Stores
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Fashion
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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
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Transport
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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
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Travel
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Only valid for transactions with major airlines and/or hotels with main business activity classified as flights and/or hotels only
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*According to Citibank’s and Youtrip’s MCC database
For all other purchases, both cards will earn a base 1X UNI$ rate (or 0.4 mpd), except for excluded MCCs.
🤓 For a full list of other MCC descriptions, refer to our ultimate credit card guide.
#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.
See also: DBS Altitude vs Citi PremierMiles vs OCBC 90°N: Comparison
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. ✨
Read more:
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.
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.
🤓 For other great credit cards for shopping, refer to our ultimate credit card guide for all the rundown.
💡 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
Unlike the DBS Woman’s and DBS Woman’s World Card, the UOB Lady’s series of cards are specifically only for ladies. Men are not eligible to apply.
However, there’s a good reason for this.
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.
Successful applicants will win rewards from one of these four promotion tiers.
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Sign-up reward |
Requirements |
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S$350 Grab vouchers |
First 200 new-to-UOB credit card applicants only Valid from 1 to 31 Mar 2023 Min. S$1,000 monthly spend for 2 consecutive months |
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S$100 lululemon gift card + limited-edition silk twilly scarf (exclusively designed by Tiffany Lovage) |
First 200 new-to-UOB credit card applicants only (per calendar month): Valid from 8 Mar to 30 Apr 2023 Min. S$1,000 monthly spend for 2 consecutive months |
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S$60 lululemon gift card |
First 100 new-to-UOB credit card applicants (per calendar month) Must open a new UOB Lady's Savings Account between 8 Mar to 30 Apr 2023 Must deposit min. S$5,000 into account within month of opening and hold amount till end of following calendar month |
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$30 lululemon gift card |
First 100 existing UOB Deposits customers (per calendar month) Must open a new UOB Lady's Savings Account between 8 Mar to 30 Apr 2023 Must deposit min. S$5,000 into account within month of opening and hold amount till end of following calendar month At least S$5,000 increase in UOB Lady's Savings Account funds compared to the total amount standing to the credit of all other UOB current accounts and/or savings accounts as of 28 February 2023 |
How to calculate UNI$?
Now, this is a question specific to UOB credit cards, but it’s an essential query to address.
When are UNI$ usually credited?
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Base 1X UNI$: Credited when transactions post, usually within 1 - 3 working days Bonus 9X UNI$: Credited by end of the following calendar month |
The base 1X UNI$ per S$5 spend is credited when the transaction posts, usually within one to three working days. Subsequently, the bonus 9X UNI$ 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$5. However take note, the bonus UNI$ points are only calculated once, and not per transaction.
Here are some calculations to illustrate:
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Spend amount
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Base 1X UNI$
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Bonus 9X UNI$
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S$4.99
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0
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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$5 = 12X rate Step #3 12 x 9X UNI$ = 108X UNI$ |
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S$5.99
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1
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S$14.99
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2
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S$15.99
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3
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S$20.99
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4
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Total UNI$ points earned
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10
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108
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In total, this cardholder will earn 118X UNI$; and since 1 UNI$ = 2 miles, this is equivalent to 236 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 is up to you to decide.
For whom is the UOB Lady’s Card & UOB Lady’s Solitaire Card best for?
So far, it seems that the UOB Lady’s Card and UOB Lady’s Solitaire Card are simply great for women overall. Offering up to 6 mpd and impressive coverage for both travel insurance and female cancer, what else should we look out for?
What charges or fees should you look out for?
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UOB Lady’s Card
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UOB Lady’s Solitaire Card
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Annual fee
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S$194.40 (1st year waived)
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$410.40 (1st year waived)
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Minimum monthly payment
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3% of current balance or S$50, whichever is higher
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Late payment charge
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S$100
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Overlimit fee
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S$40
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Cash advance fee
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6%, subject to min. S$15 fee
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Stolen/lost card liability
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S$100
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Foreign currency transaction fee
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3.25%
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Interest on purchases
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26.9% p.a.
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Interest on cash advance
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28% p.a.
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Eligibility criteria
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UOB Lady’s Card
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UOB Lady’s Solitaire Card
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Minimum age requirement
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At least 21 years old
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Minimum annual income (Singaporeans/PRs)
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S$30,000 or a fixed deposit collateral of at least S$10,000
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S$120,000 or a fixed deposit collateral of at least S$30,000
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Minimum annual income (Foreigners)
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S$40,000 or a fixed deposit collateral of at least S$10,000
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S$120,000 or a fixed deposit collateral of at least S$30,000
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How to apply?
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: Past 12 months CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
- Self-employed: Latest Income Tax Notice of Assessment and latest original computerised payslip
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Read these next:
OCBC 365 Credit Card Review (2023)
UOB One Credit Card Review (2023)
POSB Everyday Card Review (2023)
HSBC Revolution Credit Card Review (2023)
Instarem’s amaze Card Review
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