UOB Lady’s Card & UOB Lady’s Solitaire Card Review: Earn Up to 10 Miles Per S$1 on Dedicated Categories

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.

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 one of the best credit cards overall). 

Once only available for ladies (yep, gents can get this card now too!), this impressive credit card by UOB used to offer up to 6 miles per S$1 spend (mpd) on preferred categories across seven preferred reward category(ies) – beauty & wellness, fashion, dining, family, travel, transport, and entertainment.

However, since 1 April 2024, this bonus miles earn rate has reverted to its original 4 mpd – but with a twist! When paired with the UOB Lady's Savings Account, you can bump up this earn rate to 10 mpd!

Curious to know how that works? Keep on reading to learn how incredibly pampered in miles you'll be with the UOB Lady’s Card and UOB Lady’s Solitaire Card in your credit card roster.

Table of contents

• Overview: UOB Lady’s Card & UOB Lady’s Solitaire Card
• Reasons to get UOB Lady’s Card or UOB Lady’s Solitaire Card
• How to calculate UNI$?
• Eligibility, fees & charges
• How to apply?
• Should you get the UOB Lady's Card or UOB Lady's Solitaire Card?

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

🔑 Key benefits	UOB Lady's Card	UOB Lady's Solitaire Card
Bonus earn rate	- 10X UNI$ per S$5 / 4 miles per S$1 on eligible spend   - With UOB Lady's Savings Account: Up to 15X UNI$ per S$5 / 6 miles per S$1 on eligible spend   Total bonus earn rate: 25X UNI$ per S$5 / 10 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$2,000 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!

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

UOB Lady's Card

UOB 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:

• Competitive miles earn rate  
  • Bonus UNI$ with UOB Lady's Savings Account
• Generous bonus spend cap
• Complimentary travel insurance coverage
• Complimentary e-Commerce protection
• Attractive limited-time sign-up rewards

#1: Up to 10X UNI$ per S$5 spend or 4 mpd (Up to 25X UNI$ per S$5 or 10 mpd with UOB Lady's Savings Account)

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:

Normally, the UOB Lady’s Card and UOB Lady’s Solitaire fall under Tier 3. Both cards will earn up to 10X UNI$ per S$5 spend (or 4 mpd). But when paired with the UOB Lady's Savings Account (and provided you have a sufficiently large balance) both cards get bumped up into Tier 4 and beyond.

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$
• Up to 15X Additional Bonus UNI$ when paired with UOB Lady's Savings Account (more on this later)

What MCCs are eligible for each spending category?

Depending on your spending habits, the preferred 10X 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.

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

Bonus UNI$ with UOB Lady's Savings Account (up to 10 mpd)

As mentioned earlier, you can now boost your miles earn rate to 10 mpd if you also have the UOB Lady's Savings Account. 

Depending on your Monthly Average Balance (MAB), you will be awarded bonus UNI$ of 5X, 10X or 15X per S$1 spent. This is on top of the UNI$ awarded on your preferred reward category(ies). 

Here's how it works:

There is no minimum spend required to earn bonus UNI$.  

#2: Generous bonus rate spend cap

While the UOB Lady's Cards are capable of generating high miles earn rates, there's a limit to how far you can go.

That's because the maximum bonus UNI$  you can earn per month is capped at the following:

• UNI$1,800 (equivalent to S$1,000 spend) for UOB Lady's Card
• UNI$3,600 (equivalent to S$2,000 spend) for UOB Lady's Solitaire Card

Still, these are generous bonus earn caps, considering spend caps apply to each card's bonus earn rates.

Once the respective spend caps are hit for the month, you’ll no longer earn bonus 10X UNI$ (4 mpd). Instead, the rate will be reduced 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. ✨

Nonetheless, for those who can afford truly affluent lifestyles, it might be worthwhile having another credit card to earn rewards on spending exceeding these limits. 

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.

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

💡 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 6.00% p.a. on balances between S$75,000 and S$150,000.

 Besides that, pairing your UOB Lady's Cards with the UOB Lady's Savings account earns you an additional 15X UNI$ per S$5 (6 mpd) spend. Essentially, you'll be netting a total of up to 25X UNI$ per S$5 (10 mpd) on your preferred category spend – the highest miles earn rate out of any miles card on the market currently!

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.

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?

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:

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?

Eligibility criteria

How to apply for the UOB Lady's/Lady's Solitaire Card?

UOB Lady's Card

UOB Lady's Solitaire Card

Click on the ‘Apply Now’ button 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

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 10 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.