UOB Lady’s Card Review | What You Need To Know

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:

• 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

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!

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.

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.

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

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

• 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.

Read Terms and Conditions Here