The UOB Lady’s Card offers a variety of rewards and benefits that cater to female lifestyles, including bonus miles on dining, fashion, beauty, and other popular spending categories. The card also comes with a flexible rewards program that allows you to choose the categories that earn you the most points.
UOB Lady’s Sign Up Promotion:
- Receive S$50 Cash via PayNow when you spend S$500 within the first month.
- Only for the first 1,000 Eligible Applicants
- Valid until 30 November 2024
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email to secure your rewards after you have applied!
UOB Lady’s Card Overview:
- Recently exclusive for ladies only, this card is now available for all genders! This enables you to customize your rewards to fit your ever-changing interests and lifestyle. Your rewards can range from Fashion, Dining, Beauty & Wellness, and Family to Transportation, Entertainment, and Travel, which you can modify every quarter.
Local Earn Rate | 0.4 miles per dollar |
Foreign Currency Earn Rate | 0.4 miles per dollar |
Special Earn Rate | 4 mpd on your choice of bonus categories |
Foreign Currency Fees | 3.25% |
Points Pool | Yes |
Lounge Access | No |
Airport Limo | No |
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$40,000 (foreigners)
- Annual Fee: S$196.20 (incl. GST), waived for first year
Key Benefits:
- Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
- Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
- No minimum monthly spending required
- Spending Cap:
- Classic Card: S$1,000
- Solitaire Card: S$2,000
- You have the ability to change your preferred spending category every quarter via this link
- Free e-commerce protection for transactions up to $200 USD
- Up to US$100,000 complimentary travel insurance
- You can earn 0.4 miles per dollar if used on CardUp transactions, but not on iPayMy
- Pair with UOB One Account to double dip on high interest on your savings. See “Any Hacks/Promos” below
- Starting from November 1, 2024, UOB credit cardholders can now earn both UOB$ and their usual credit card rewards (like cashback or miles) when shopping at UOB$ merchants. See “Past Buffs/Nerfs” below.
How to Best Optimise it:
- If you have the Classic Card, you can choose 1 category out of the 7 rewards categories below, with a spending cap of S$1000 (additional bonus earn of 1,800 UNI$)
- If you have the Lady’s Solitaire and Lady’s Solitaire Metal card, you can choose 2 categories out of the 7 rewards categories below, with a spending cap of S$2,000 (additional bonus earn of 3,600 UNI$).
- UOB Lady’s cap is determined by the posting date, NOT the transaction date. See “Frequently Asked Questions” below to know more about the difference of transaction date and posting date.
7 Categories you can choose from:
5912, 5977, 7230, 7231, 7298, 7297
5811, 5812, 5814, 5499
5813, 7832, 7922
5411, 5641
5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948
4111, 4121, 4789, 5541, 5542
Note that Airport Transfers (MCC 4121) and Intra-city public transport like bus/mrt rides are under Transport category and not under Travel category)
Cruise Liners (MCC 4411)
Duty-free Stores (MCC 5309)
Hotels (MCC 3500-3999, 7011)
Online Travel Agencies (MCC 4722)
Regular Travel Agencies (MCC 4722)
Note that intra-city trains and bus liners and car rentals are excluded here.
- Bus Liners (MCC 4131) – e.g. Greyhound, Boltbus
- Rental Cars (MCC 3000-3499) – e.g. Hertz, Avis, Budget.com
- Intercity Trains (MCC 4112) – e.g. Shinkasen, Trenitalia, Eurostar
- This is a unique feature of UOB, where they deduct UNI$ instead of charging an annual fee on your card’s anniversary. Since the UNI$ are hidden in the Rewards tab, many cardholders might overlook it. I explained this in detail in a TikTok video, so be sure to follow the steps mentioned there to secure your fee waiver!
What to Avoid:
Exclusion List:
Any Hacks/Promos:
Pair with the UOB ONE Account when you spend S$500 on this card and credit your salary through GIRO, you earn extra interest on your savings. However, I do feel that UOB One is an easier card to use for good cashback + pairing with UOB One Account.
- If you want to get the most out of your savings, the UOB One Account is an excellent choice for balances up to $150,000. With its attractive interest rates, it’s a great option for those looking to grow their funds effectively.
- To see how the UOB One Account compares with other popular accounts, such as the OCBC 360 Account, take a look at my detailed analysis here: Which is the Highest Interest Savings Account. This guide will help you decide which account best suits your financial needs.
Is it Worth it:
- High miles per dollar earned on chosen category
- Cannot use this card as a one card strategy due to the limitations of ONE or TWO category
- Limited to selected categories – may be difficult to use
Past Buffs/Nerfs:
Buffs:
- Previously, UOB credit cards excluded UOB$ merchants from earning regular card rewards, meaning customers could only earn UOB$ (often lower value) instead of cashback or miles. However, effective 01 November 2024, UOB credit cardholders can now earn both UOB$ and their usual credit card rewards (like cashback or miles) when shopping at UOB$ merchants. UOB$ merchants are retailers that offer cashback (UOB$) to customers, which can be used on future purchases at the same store. With the new change, UOB cardholders can now stack both UOB$ and credit card rewards, making it more rewarding to shop at UOB$ merchants.
- This change applies to UNI$-earning cards (like UOB Preferred Platinum Visa or UOB Lady’s card), and even UOB EVOL cards will earn their cashback on top of UOB$. The UOB One card already allowed rewards at UOB$ merchants, so that remains unchanged.
- Check UOB$ Merchants here
Nerfs:
Starting 1 October 2024, UOB will no longer include Amaze transactions in its rewards program
UOB has always had an Amaze exclusion in its terms and conditions, but this exclusion was only applicable specifically on AMAZE*TRANSIT*. Starting 1 October 2024, however, the Amaze exclusion will be definite
Frequently Asked Questions:
- When are UNI$ 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
- When will my UNI$ expire: they expire 2 years after the final day of each periodic quarter in which they were earned
- How I got upgraded to the UOB Solitaire Card: What I did was I first got the UOB Lady’s Classic Card. Then I used it for about 2 months. And I decided that I’m going to try and apply for an upgrade for the Solitaire Card despite my income being WAY WAY below $120K. But I got approved! So yay! Don’t try, don’t know!
- SMS Application for Upgrade to UOB Solitaire Card: Send an SMS to 77672: UOB Lady’s Solitaire Card:<YesSolitaire>space<Last 4 digits of existing UOB Card>space<NRIC#>
- What is the difference between Transaction Date and Posting Date: The transaction date is the actual date you make a purchase or use your card, while the posting date is when the transaction is officially recorded by your bank and appears on your credit card statement, which may be a few days after the transaction. For instance, if you make a purchase with your UOB Lady’s on 30th March but the transaction posts on 1st of April, it will count towards April’s bonus cap, not March’s.
Final Thoughts:
- This is a great card if you know where to spend most of your money. Depending on your needs at the moment, you could take advantage on choosing your preferred category for the bonus rates per quarter. You can receive a travel card on one quarter and a beauty and wellness card on the next.
- The 4 miles per dollar is still quite good. Initially, i tried doing Transport Category, but i realised that my monthly transport spending could barely hit the $500 requirement for my UOB One Account. After I got the UOB Solitaire that gave me two categories, I chose Food & Transport, but I noticed that I was not getting miles for my spending at bakeries etc. Now my chosen category is actually Groceries and Shopping as Lazada and Taobao purchases are included in the merchant list. If I am unable to hit, i will resort to buying NTUC Vouchers on Lazada as a last resort. After about 10 months of use, I realised that I do not use the maximum spending of $3000 as my focus is to get the interest on UOB ONE savings first. I may downgrade back to a UOB Classic card with one category after the first year annual fee waiver ends.
Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
UOB Lady’s Sign Up Promotion:
- Receive S$50 Cash via PayNow when you spend S$500 within the first month.
- Only for the first 1,000 Eligible Applicants
- Valid until 30 November 2024
- Read Terms and Conditions here
- Must fulfill spending requirement to receive gift confirmation
- Remember to check for SingSaver email to secure your rewards after you have applied!
We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
