The UOB Lady's Card is a miles card with one trick: you pick a single spending category and it pays 4 miles per dollar there, far above the 1.2 to 1.4 mpd a normal general-spend card gives you. The category list runs Fashion, Dining, Travel, Beauty and Wellness, Family, Transport and Entertainment, and you can switch it once a quarter. The headline '10 miles per dollar' is real but conditional: it only happens after you park at least S$100,000 in the linked UOB Lady's Savings Account, which most people will not do. Strip the savings hoop away and this is a clean 4 mpd card on one category, capped at S$1,000 of bonus spend a month. Despite the name, men can and do hold it. Below is the exact earn maths, the cap that decides everything, the fees, and the honest call on who should bother.
UOB quotes the Lady's Card in UNI$, its in-house points, and it pays them per S$5 you spend rather than per dollar. On your one chosen category the card gives 10X UNI$ for every S$5, which is 10 UNI$. Everything else earns the base 1X UNI$ per S$5. UNI$ convert to airline miles at UNI$1 to 2 miles, so 10 UNI$ on a S$5 charge is 20 miles, which is the 4 miles per dollar everyone quotes. The base 1X works out to 0.4 mpd on all your other spending.
The bonus only lands on the category you nominate, not across the board. Pick Dining and your restaurant and food-delivery charges earn 4 mpd while your supermarket run earns 0.4 mpd unless you also picked a category that covers it. This is the core difference from a flat-rate miles card: the Lady's Card is a sniper, not a shotgun. You point it at one slice of your spending and it pays handsomely there.
The figures here are the standard ongoing terms from the UOB Lady's Cards terms and conditions and the card product page, current as of October 2026. Run the numbers against your own spending before you apply; a quick split using the personal budget calculator tells you how much you actually charge to your chosen category each month, which decides whether the card is worth holding at all.
| Spend type | UNI$ rate | Miles per dollar |
|---|---|---|
| Your chosen bonus category | 10X UNI$ per S$5 | 4 mpd |
| Everything else | 1X UNI$ per S$5 | 0.4 mpd |
| Bonus category, with savings account at S$100k | Up to 25X UNI$ per S$5 | Up to 10 mpd |
The Lady's Card lets you choose one preferred category. The Lady's Solitaire and Solitaire Metal cards let you choose two. The list is the same for all three: Fashion, Dining, Travel, Beauty and Wellness, Family, Transport and Entertainment. Each category maps to a set of merchant category codes behind the scenes, so what earns the bonus is decided by how a merchant is coded, not by what its shopfront says.
You set or change your category on UOB's Lady's Select Rewards page, and you can switch it once a quarter. A change you submit takes effect from the next quarter, so plan around the calendar rather than expecting an instant swap. If you make no new pick, last quarter's category carries on. If you have a big-ticket purchase coming, line your category up with it before the quarter starts.
Whether a transaction qualifies comes down to its merchant category code. A boutique that is coded as a department store, or a clinic billed under a hospital code, may not earn the category bonus you expected. UOB's own Travel list names Agoda, Expedia and Klook, but the bank says it does not control how merchants are coded and cannot promise a charge lands in your category, so check a big booking on a smaller platform before you count on the bonus.
The single most important number on this card is the cap. On the standard Lady's Card the bonus rate applies to a maximum of S$1,000 of category spend per calendar month. Charge more than S$1,000 to your category and the excess drops to the base 0.4 mpd. The cap resets each calendar month, and unused room does not roll over.
That cap puts a hard ceiling on the bonus miles. At 4 mpd on S$1,000 a month, the most bonus miles you can collect is 4,000 a month, or 48,000 a year, before the savings-account multiplier. That is genuinely good for a single category, but it means the card rewards a focused S$1,000 of spend, not a high-roller's whole bill. If your dining or fashion spend is well under S$1,000 a month, you will never touch the cap and the card simply pays 4 mpd on what you do spend.
The Solitaire Metal Card lifts the cap to S$2,000 a month across two categories, and the in-between Solitaire (non-metal) version caps at S$1,500 with each of its two categories limited to S$750. Match the cap to your real spending: there is no point chasing a S$2,000 cap if you only ever charge S$700 to the category.
| Card | Categories | Monthly bonus cap | Max bonus miles/month at 4 mpd |
|---|---|---|---|
| Lady's Card | 1 | S$1,000 | 4,000 miles |
| Lady's Solitaire | 2 | S$1,500 (S$750 each) | 6,000 miles |
| Lady's Solitaire Metal | 2 | S$2,000 | 8,000 miles |
UOB markets the Lady's Card with 'up to 25X UNI$ per S$5' and 'up to 10 miles per dollar'. Both are true, and both are conditional on a second product: the UOB Lady's Savings Account. The card alone earns 4 mpd on your category. The extra 6 mpd comes from a Lady's Savings Bonus tied to how much money you keep in that savings account.
The bonus scales with your monthly average balance. Park at least S$10,000 and you get an extra 5X UNI$ per S$5 (an extra 2 mpd, taking you to 6 mpd). Park S$50,000 and you get an extra 10X (an extra 4 mpd, so 8 mpd). Park S$100,000 and you get the full extra 15X (an extra 6 mpd, hitting the headline 10 mpd). The bonus applies to the same category spend, under the same S$1,000 monthly cap.
This is the part the ads gloss over. Locking S$100,000 in a savings account to earn an extra 6 mpd on at most S$1,000 of spend a month is 6,000 extra miles a year in exchange for a large pile of idle cash. Whether that trade makes sense depends entirely on what that cash would otherwise earn. If it would sit in a current account doing nothing, the bonus miles are close to free. If it could be in T-bills or a fixed deposit earning real interest, you are paying for those miles in forgone yield, and the maths often turns negative.
| Monthly average balance | Bonus UNI$ per S$5 | Extra mpd | Total category mpd |
|---|---|---|---|
| Under S$10,000 | 0X | 0 | 4 mpd |
| S$10,000 to S$49,999 | 5X | +2 | 6 mpd |
| S$50,000 to S$99,999 | 10X | +4 | 8 mpd |
| S$100,000 and above | 15X | +6 | 10 mpd |
Update, 14 October 2026: this section used to put six-month T-bill yields in the low-to-mid 2% range, but MAS's latest auction cut off at 1.90%, so the interest you give up is a little smaller than we said and still far more than the bonus miles. Treat the savings-account bonus as a yield question, not a miles question. The extra miles are capped by the same S$1,000 monthly category cap, so the most the bonus can ever add is 6 mpd on S$1,000, which is 6,000 miles a year at the top tier. Value those miles at a realistic 1.5 to 2 Singapore cents each and you are looking at roughly S$90 to S$120 of value a year for committing S$100,000.
Now compare that to the opportunity cost. The six-month Singapore T-bill auctioned on 8 October 2026 cut off at 1.90% a year, per MAS, and high-interest savings accounts pay bonus interest if you meet their conditions. The UOB Lady's Savings Account base interest is modest, so leaving S$100,000 there instead of in T-bills gives up close to S$1,900 a year at that yield, many times the S$90 to S$120 the bonus miles are worth.
The bonus works best at the lower balance tiers. At S$10,000 for an extra 2 mpd, the cash you tie up is small and the forgone interest is too. At S$100,000 for the headline rate, you are usually better off chasing yield elsewhere and accepting the plain 4 mpd on the card. Decide it on numbers, not on the headline: run the forgone interest through the fixed deposit vs investing calculator and weigh it against the miles before you move a six-figure sum.
The annual fee on the standard Lady's Card is S$196.20, waived for the first year. UOB promises only that first-year waiver, so ask for one before you pay a later year's fee, the same way you would for any card; the mechanics are in our guide to waiving a credit card annual fee.
Two costs eat into the miles if you ignore them. First, UNI$ do not convert to airline miles for free: UOB charges a conversion fee of S$27 per transfer to KrisFlyer or Asia Miles under its Rewards+ terms, and miles transfer in blocks of 10,000. Pool your UNI$ and convert in larger batches so the flat fee is spread over more miles. Second, UNI$ expire two years from the last day of the quarter in which they were earned, so do not let a stash sit unconverted.
Foreign-currency and overseas spend carries the standard 3.25% fee, and crucially the base rate abroad is only 0.4 mpd unless your chosen category covers the merchant. That makes the Lady's Card a weak general travel card; the 3.25% fee will usually outweigh 0.4 mpd. If you spend heavily overseas, a dedicated overseas-spend card beats it. As with every rewards card, the miles only pay if you clear the statement in full each month, because UOB charges roughly 27.8% a year on balances you carry, which wipes out the value of the miles many times over.
Despite the name, the UOB Lady's Card is open to men. UOB's eligibility rules set an age and an income bar but say nothing about gender, and men earn the same 4 mpd on their chosen category. UOB's Lady's Savings Account FAQ does keep a few extras for women: female-centric privileges and birthday-month partner deals.
The income thresholds follow UOB's usual bands. Singaporeans and permanent residents need a minimum annual income of S$30,000 if aged 55 or under, or S$15,000 if aged 56 and above. Foreigners need S$40,000 a year. You must be at least 21 to hold a principal card. Your credit limit and total borrowing are governed by the MAS rules that apply across all banks, so your limit is tied to income regardless of which card you pick.
Approval also depends on your standing with the credit bureau, like any card; if you are not sure where you sit, read our guide to credit scores in Singapore before applying. Both Solitaire cards need S$120,000 a year. You can apply for the non-metal Solitaire, but the Solitaire Metal Card is issued by invitation only.
There are three tiers, and they differ on categories, cap, fee, income and travel perks rather than on the headline 4 mpd, which is common to all three. The standard Lady's Card is the entry point: one category, a S$1,000 cap, a S$196.20 fee and a S$30,000 income bar. It is the right pick for most people who just want strong miles on one slice of spending.
The Solitaire Metal Card doubles your categories to two, lifts the cap to S$2,000 a month, adds six complimentary airport lounge visits a year (UOB lists the lounge offer as valid until 31 December 2026) and travel insurance, and comes as a metal card. It costs S$598.99 a year, needs S$120,000 income, and is invitation only. The non-metal Solitaire sits between the two: two categories, a S$1,500 cap split S$750 per category, travel insurance but no lounge visits, and a S$414.20 fee. It needs the same S$120,000 income as the Metal, but you can apply for it.
Pick the tier that matches your category spend and whether you value lounge access. If you cannot fill a S$1,000 cap on one category, paying more for a S$2,000 cap is wasted. If you fly often and would otherwise pay for lounge passes, the Solitaire Metal's six visits can justify the higher fee on their own, for as long as UOB keeps offering them.
| Feature | Lady's Card | Lady's Solitaire | Lady's Solitaire Metal |
|---|---|---|---|
| Bonus categories | 1 | 2 | 2 |
| Bonus rate | 4 mpd (up to 10 with savings) | 4 mpd (up to 10 with savings) | 4 mpd (up to 10 with savings) |
| Monthly bonus cap | S$1,000 | S$1,500 (S$750 each) | S$2,000 |
| Annual fee | S$196.20 | S$414.20 | S$598.99 |
| Min income (SG/PR) | S$30,000 | S$120,000 | S$120,000 |
| Lounge access | None | None | 6 visits/year |
| Travel insurance | None | Yes | Yes |
| How to get it | Apply | Apply | By invitation only |
This is a card for someone with a clear, concentrated spending category, not a default all-rounder.
It suits you if a meaningful chunk of your monthly spend, ideally close to S$1,000, falls into one of the seven categories and you want miles rather than cashback. A heavy diner, a fashion spender, or someone whose biggest controllable cost is beauty and wellness will earn 4 mpd on that slice with no minimum spend and no transaction-count games, which is rare. It suits you even more if you already keep a sensible balance in the Lady's Savings Account for other reasons, because the bonus miles then come almost free.
Skip it if your spending is spread evenly across many categories, because the base 0.4 mpd on everything outside your one pick is poor; a flat-rate miles card that pays 1.2 to 1.4 mpd on all spend will beat it. Skip the S$100,000 savings hoop unless that cash genuinely has nowhere better to go. And skip it for overseas spend, where the 3.25% fee and 0.4 mpd base rate make it a bad travel companion. If you are weighing miles cards generally, our roundup of the best miles credit cards in Singapore lines the Lady's Card up against its rivals on rate, cap and fee.
It earns 4 miles per dollar on the single category you choose, from Fashion, Dining, Travel, Beauty and Wellness, Family, Transport or Entertainment, and 0.4 miles per dollar on everything else. The advertised 'up to 10 miles per dollar' only applies once you keep at least S$100,000 in the linked UOB Lady's Savings Account, which adds a bonus on the same category spend, capped at S$1,000 a month.
Yes. UOB's eligibility rules for the Lady's Card set an age and an income bar but no gender, and men earn the same 4 miles per dollar on their chosen category. UOB does keep some female-centric privileges and birthday-month partner deals for women.
The bonus rate applies to a maximum of S$1,000 of category spend per calendar month on the standard Lady's Card. Spend above that drops to the base 0.4 miles per dollar, and the cap does not roll over. The Solitaire version caps at S$1,500 across two categories with S$750 each, and the Solitaire Metal caps at S$2,000 a month.
You set or change your preferred category on UOB's Lady's Select Rewards page. You can switch once a quarter, and a change takes effect from the next quarter rather than instantly, so plan around the calendar. The standard Lady's Card lets you pick one category; the Solitaire tiers let you pick two.
Usually not, on the numbers. The extra 6 miles per dollar is capped at S$1,000 of spend a month, so the bonus tops out around 6,000 miles a year, worth roughly S$90 to S$120. Tying up S$100,000 means giving up the interest a T-bill would pay: at the 1.90% cut-off of MAS's 8 October 2026 six-month auction, that is close to S$1,900 a year, far more than the miles are worth.
The annual fee is S$196.20, waived for the first year. UOB promises only that first-year waiver, so ask for one before you pay a later year's fee. The Solitaire Metal Card carries a higher annual fee of S$598.99 and is issued by invitation only.
UNI$ convert to airline miles at UNI$1 to 2 miles, redeemable to KrisFlyer or Asia Miles. UOB charges a conversion fee of S$27 per transfer, in blocks of 10,000 miles, so convert in larger batches to spread the flat cost. UNI$ expire two years from the last day of the quarter in which they were earned, so do not let them sit unconverted.
Only if your chosen category covers the overseas merchant, and even then a 3.25% foreign-currency fee applies. Most general overseas spend earns just the 0.4 miles per dollar base rate, which the 3.25% fee usually outweighs. For frequent travel, a dedicated overseas-spend miles card is a better fit than the Lady's Card.
This is general financial information for Singapore, not personal financial advice. Figures change, so verify current rates against the official sources above before acting. See our full disclaimer.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).