UOB Lady's Card
Earn 4 miles per dollar on 1 or 2 chosen categories
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 |
Points Expiry | 2 years |
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$1,500
- 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:
Best Used For Your Preferred Category
- If you have the Classic Card, you can choose 1 category out of the 7 rewards categories below, with a spending cap of S$1,000 (additional bonus earn of 1,800 UNI$)
- 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$1,500
- New spending limit: each reward category is capped at S$750 per month. If you choose two categories, you can spend up to S$1,500 total per month to earn rewards.
- 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:
Category and MCCs | Description | Example |
Entertainment 5813, 7832, 7922 | Bars, Taverns, Lounges and Nightclubs, Motion Picture Theatres, Theatrical Producers and Ticket Agencies | Cathay Cineplex, Filmgrade Cineplexes, Five Tapas Bar, Golden Village, Harry’s, Ice Cold Bar, Indochime, K.STAR Karaoke, KPO, No. 5 Emerald Hill, Party World KTV, RedDot BrewHouse, Shaw Theaters, Shuffle Bistro Bar, SISTIC, Sport Hub Tix, Zouk, etc. |
Dining 5811, 5812, 5814, 5499 | Caterers, Eating places and Restaurants, Fast food restaurants and food deliveries | Crystal Jade, Deliveroo, Din Tai Fung, Foodpanda , Haidilao Hot Pot, Ichiban Boshi, Imperial Treasure, Jumbo Seafood, KFC, Long Beach Seafood, Mcdo, Peach Garden, Pizza Hut, Soup Restaurant, Starbucks, Sushi Tei, Swensen’s, CBTL, etc |
Beauty & Wellness 5912, 5977, 7230, 7231, 7298, 7297 | Mass and Drug Stores, Cosmetics Stores, Barber and Beauty Shops, Health and Beauty Spa, Massage Parlours | Amore Day Spa, Browhaus, Erabelle, Eu Yan Sang, Fitness First, Guardian, Jean Yip, kimrobinson, LAC, Laneige, Mary Chia, Sephora, Skin Inc, Strip, The Body Shop, The face shop, Watsons, etc |
Family 5411, 5641 | Grocery stores, Children and Infants wear store | 1010 Mother & Child Essentials, Agape Babies, Carter’s, Château de Sable, Cold Storage, DON DON Donki, FairPrice, Giant, Gingersnaps, Kiddy Palace, MEIDI-YA, Motherwork, Petit Bateau, Redmart, Seed Heritage, Sheng Siong, etc. |
Fashion 5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948 | Department Stores, Men’s and Boy’s Clothing and Accessories Store, Women’s Ready-to-wear Stores, Women’s Access and Specialty, Family Clothing Stores, Sports and Riding Apparel Stores, Shoes Stores, Men’s and Women’s Clothing Stores, Miscellaneous Apparel and Accessories Shops, Luggage and Leather Stores | Lazada, Taobao, Heymax, Adidas, ASOS, Chanel, Charles & Keith, H&M, Issetan, Louis Vuitton, Love, Bonito, Metro, Qoo10, Reebonz, Robinsons, Takashimaya, TANGS Uniqlo, ZALORA, ZARA, etc |
Transport 4111, 4121, 4789, 5541, 5542 | Local Commuter Transport, Taxi, Cabs, Limousines and Travel Service, Service Stations and Automatic Gas Dispensers | Batam Fast Ferry, Bintan Resort Ferries, Caltex, ComfortDelGro Taxi, Esso, Grab, Premier Taxis, Shell, SMRT, SPC, TADA, Gojek, etc Note that Airport Transfers (MCC 4121) and Intra-city public transport like bus/mrt rides are under Transport category and not under Travel category) |
Travel | Credit card retail transaction(s) made at major airlines and/or hotels with their main business activity classified as flights and/or hotels only. | Airlines (MCC 3000-3299, 4511, 4582) 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. |
Important note:
These categories are not included in Travel category or Transport Category:
- 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
HT: Milelion
Best Used For Taobao or Lazada as a Workaround For Other Categories
- Sometimes, we want to purchase things like furniture or household appliances that might not fall in any category. A workaround is to purchase the items on Lazada or Taobao (under Fashion category) to qualify for 4 miles per dollar. Unfortunately, Shopee has varying MCCs and will not qualify under this category.
Remember To Get Annual Fee Waiver from Your UNI$ Every Year
- 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!
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.
What to Avoid:
Exclusion List:
a) Bill payment (where applicable);
b) NETS and NETS-related transactions;
c) 0% Instalment Payment Plans;
d) SmartPay;
e) Personal loans;
f) Online money transfers
g) Balance/funds transfers;
h) Cash advances;
i) Fees;
j) Interests;
k) Finance charges;
l) Late payment charges;
m) Annual fee charges ;
n) Reversals;
o) Void card transactions
p) Chargebacks
q) Payment of funds to prepaid accounts, including top-ups for any pre-paid card;
r) Transactions relating to brokerage / securities;
s) Any gambling related transactions, any trading transactions (including but not limited to websites for trading of shares and cryptocurrency);
t) UOB Lady’s LuxePay Plans (if applicable)
u) amounts approved under the UOB Payment Facility and any associated fees or chargers (w.e.f. 19 June 2023);
v) Other financial charges and any other transactions we may exclude from time to time without prior notice.
MCC | Description |
4829 | Wire Transfer/Remittance |
4900 | Utilities |
5199 | Nondurable Goods |
5960 | Direct Marketing – Insurance Services |
5965 | Direct Marketing – Combination Catalog and Retail Merchants (wef 1 October 2024) |
5993 | Cigar Stores and Stands (wef 1 October 2024) |
6012 | Member Financial Institution–Merchandise and Services |
6050 | Quasi Cash–Financial Institutions, Merchandise and Services |
6051 | Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency, Cryptocurrency) |
6211 | Securities–Brokers and Dealers |
6300 | Insurance Sales/Underwrite |
6513 | Real Estate Agents & Managers – Rentals |
6529 | Quasi Cash-Remote Stored Value Load-Financial Institute Rentals |
6530 | Quasi Cash-Remote Stored Value Load-Merchant Rentals |
6534 | Quasi Cash-Remote Money Transfers |
6540 | Stored Value Card Purchase/Load |
7349 | Clean/Maint/Janitorial Serv aka Property Management |
7511 | Quasi Cash – Truck Stop Trxns |
7523 | Automobile Parking Lots and Garages |
7995 | Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks |
8062 | Hospitals |
8211 | Schools, Elementary and Secondary |
8220 | Colleges, Universities, Professional Schools and Junior Colleges |
8241 | Schools, Correspondence |
8244 | Schools, Business and Secretarial |
8249 | Schools, Trade and Vocational |
8299 | Schools and Educational Services–Not Elsewhere Classified |
8398 | Charitable and Social Service Organizations |
8661 | Religious Organizations |
8651 | Political Organizations |
8699 | Membership Organizations (Not Elsewhere Classified) (wef 1 October 2024) |
8999 | Professional Services (Not Elsewhere
Classified)
(wef 1 October 2024) |
9211 9211 | Court Costs including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payment |
9402 | Postal Services—Government Only |
9405 | Intra-Government Purchases—Government Only |
9399 | Government Services—not elsewhere classified |
AXS* | PLUS500UK LIMITED |
AMAZE* (wef 1 October 2024) | Saxo Cap Mkts Pte Ltd |
BANC DE BINARY* | SKR*PLUS500CY LTD |
BANCDEBINARY.COM* | SKR*SKRILL.COM |
City Index* | SKR*xglobalmarkets.com* |
CITY INDEX* | SKYFX.COM* |
EZ Link* | TRANSIT* |
EZ LINK* | AMAZE*TRANSIT |
EZLINK* | WWW.IGMARKETS.COM.SG |
EzLink* | WWW.MYEZLINK.COM.SG |
EZ-LINK* | WWW.PLUS500.CO.UK |
EZ-Link* | YOUTRIP* |
EZLINKS* | IPAYMY* (wef 1 August 2022) |
FlashPay* | RWS-LEVY* (wef 1 August 2022) |
MB * MONEYBOOKERS.COM | SMOOVE PAY* (wef 1 August 2022) |
NETS VCASHCARD* | SINGPOST-SAM* (wef 1 August 2022) |
NORWDS* (wef 21 July 2024) | RazerPay* (wef 1 August 2022) |
OANDA* | FLASHPAY* |
PAYPAL* | NETSFLASHPAY* |
PLUS500 |
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 August 2025, there will be a few changes on UOB Lady’s Solitaire Card only. The spending cap will be revised to S$1,500 (2,700 UNI$). Also, there will be a S$750 spending cap on each of your preferred category.
- Starting 1 October 2024, UOB will no longer include Amaze transactions in its rewards program
- UOB has always had an Amaze exclusion in its terms and conditions, but this exclusion was only applicable specifically on AMAZE*TRANSIT*. Starting 1 October 2024, however, the Amaze exclusion will be definite
Is it Worth it:
Advantages:
- High miles per dollar earned on chosen category
Disadvantages:
- Cannot use this card as a one card strategy due to the limitations of ONE or TWO category
- Limited to selected categories – may be difficult to use
Frequently Asked Questions:
- When are UNI$ 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.
💡 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.
