The UOB Lady's Card Solitaire is the step-up version of UOB's category-rewards card: instead of one bonus category, you pick two, each earning 10X UNI$ per S$5 spent, which works out to 4 miles per dollar. That second slot is the whole reason to choose it over the standard Lady's Card. The trade-offs are a higher income bar of S$120,000 a year, an annual fee of around S$410 including GST (first year usually waived), and a combined bonus cap of S$1,500 a month split S$750 per category. Below is the earn rate decoded, the cap that quietly limits your miles, the savings-account boost that gets sold hard, and the honest answer on who should pick Solitaire over the cheaper card.
UOB runs the Lady's line as a tiered family. The entry Lady's Card lets you nominate one preferred category. The Solitaire lets you nominate two. The invite-only Lady's Solitaire Metal lets you nominate two as well but adds lounge access and travel insurance. The headline earn rate is identical across all three: 10X UNI$ per S$5 spent in a bonus category, which UOB converts to 4 miles per dollar.
So you are not paying the higher Solitaire fee for a faster earn rate. You are paying for a second category slot and the option to spread your bonus-earning spend across two parts of your life, say dining and travel, instead of forcing everything into one bucket. Whether that is worth roughly double the annual fee depends entirely on how your spending splits, which we work through below.
If you are still deciding between the entry card and Solitaire, our breakdown of the standard UOB Lady's Card and its single-category maths covers the cheaper tier in the same depth.
| Feature | Lady's Card | Lady's Solitaire | Solitaire Metal |
|---|---|---|---|
| Bonus categories you pick | 1 | 2 | 2 |
| Bonus earn rate | 4 mpd (10X UNI$/S$5) | 4 mpd (10X UNI$/S$5) | 4 mpd (10X UNI$/S$5) |
| Annual fee | ~S$196 | ~S$410 | ~S$599 |
| Minimum annual income | S$30k SC/PR, S$40k foreigner | S$120,000 | S$120,000 (invite only) |
| Monthly bonus cap | S$1,000 | S$1,500 (S$750/category) | S$2,000 |
| Airport lounge access | None | None | 6 visits/year |
UOB rewards everything in UNI$, not miles. The base rate is 1 UNI$ per S$5 spent. On your two chosen categories the card pays 10X, so 10 UNI$ per S$5. When you transfer UNI$ to an airline programme the rate is 1 UNI$ to 2 miles. Do the arithmetic on the bonus rate: 10 UNI$ per S$5 is 2 UNI$ per dollar, which becomes 4 miles per dollar. That is genuinely strong for a local rewards card and matches what cards like the DBS Woman's World Card do on online spend.
Outside your two categories you earn the 1 UNI$ per S$5 base, which is 0.4 miles per dollar. That is poor, so the Solitaire is not a card you put everyday spend on. It is a category card: you steer in-category spend onto it and let another card handle the rest.
To actually get miles you have to convert UNI$ manually to KrisFlyer, Asia Miles or another partner, and UOB charges a conversion fee of S$25 per transfer (as of June 2026). Batch your conversions rather than transferring every month, or that S$25 quietly eats into your effective rate.
You choose two preferred categories from UOB's list, and you can re-pick each quarter rather than each month. The choice is locked for the quarter, so think about your next three months of spend before you set it, not just the coming weekend.
The categories are broad lifestyle buckets. Most people pair a high, predictable category (dining or travel) with a second that covers a recurring habit (beauty and wellness, transport or family/groceries). The art is matching the slots to where your money already goes rather than changing your spending to chase the card.
The 4-mpd rate only applies up to a bonus cap. On the Solitaire the bonus cap is S$1,500 of category spend a month, split as S$750 per category if you run two. Spend beyond that in a category and the extra drops to the 0.4-mpd base rate. Unused room in one category does not roll over to the other, so lopsided spending wastes part of the cap.
That cap sets a hard ceiling on bonus miles from card spend alone. Max out S$1,500 of category spend every month and you earn roughly 6,000 bonus miles a month, about 72,000 bonus miles a year, before any savings-account boost. To hit that you need genuinely S$750 of qualifying spend in each of two categories, every month. Most people fill one category and underfill the other, which is exactly why the second slot is worth less than it looks on paper.
If you want to sanity-check whether chasing miles even beats banking the equivalent cash, our compound interest calculator shows what the annual fee plus conversion fees would grow to if invested instead.
| Monthly category spend used | Bonus miles/month | Bonus miles/year |
|---|---|---|
| S$750 (one category) | ~3,000 | ~36,000 |
| S$1,500 (both categories full) | ~6,000 | ~72,000 |
| Above the cap | Base 0.4 mpd only | Base 0.4 mpd only |
UOB markets the Lady's line as earning up to 10 miles per dollar. That figure is real but conditional. It only applies when you also park money in a UOB Lady's Savings Account, and only on top of the card's 4-mpd base. The savings boost adds UNI$ on a sliding scale tied to your monthly average balance.
The boost is not free miles. To unlock the top 15X tier you have to keep S$100,000 sitting in the savings account, money that could be earning more elsewhere. Treat the foregone interest on that balance as the real cost of the extra miles before you decide it is worth it.
Before locking six figures into a single account for miles, compare what that cash earns against safer options in our guide to Singapore Savings Bonds, T-bills and fixed deposits.
| Monthly average balance | Extra earn on category spend | Combined rate |
|---|---|---|
| S$10,000 to S$49,999 | +5X UNI$ per S$5 | ~6 mpd |
| S$50,000 to S$99,999 | +10X UNI$ per S$5 | ~8 mpd |
| S$100,000 and above | +15X UNI$ per S$5 | up to 10 mpd |
The principal-card annual fee is around S$410 including 9% GST as of June 2026, with the first year typically waived; UOB has published figures between roughly S$410 and S$414 across channels, so confirm the exact amount on your welcome letter. The first two supplementary cards are free, and further supplementary cards run about S$196 a year. From year two, request a fee waiver through the UOB TMRW app or phone banking, or UOB may deduct UNI$ to cover the fee.
Eligibility needs a minimum annual income of S$120,000 whether you are a Singapore citizen, PR or foreigner, and you must be at least 21. The card is no longer women-only; UOB opened the Lady's line to all applicants in 2023, so men can hold it too.
Watch the foreign-transaction fee of about 3.25% on overseas and many online-foreign spends, and the merchant-category coding that decides whether a purchase counts toward your bonus category. Overseas merchants are sometimes coded in ways that miss your category, so do not assume a holiday will earn at 4 mpd. The Solitaire does not include airport lounge access; only the invite-only Metal version does.
The Solitaire earns its keep when two of your spending categories are both large and recurring, each pushing toward S$750 a month. A frequent diner who also travels often, or a high spender split across beauty and family groceries, can fill both slots and justify the fee. If your spend is concentrated in a single category, the cheaper standard Lady's Card with its S$1,000 single-category cap often nets you more bonus miles for far less fee.
Skip the Solitaire if you cannot clear the S$120,000 income bar, if you would not realistically fill the second category, or if you are chasing the 10-mpd headline without the spare S$100,000 to park. In those cases a flat-rate miles card or a strong category card without an income gate usually wins. Compare the field in our roundup of the best miles credit cards in Singapore before committing.
Run the numbers on your own spend with our personal budget calculator to see exactly how much qualifying category spend you have, then decide if the second slot is real money or wishful thinking.
It is worth it if you can realistically fill both bonus categories near the S$750 monthly cap each, since the second category slot is the only thing you gain over the cheaper standard Lady's Card. If your spend sits in one category, the entry card usually returns more miles for a lower fee.
Both pick two categories at 4 miles per dollar. The Solitaire Metal is invite-only, carries a higher fee of around S$599, lifts the monthly bonus cap to S$2,000, and adds six complimentary airport lounge visits a year plus travel insurance. The standard Solitaire has no lounge access.
You only reach 10 miles per dollar by pairing the card with a UOB Lady's Savings Account and keeping at least S$100,000 monthly average balance, which unlocks the top boost tier on top of the card's 4 miles per dollar. Lower balances earn proportionally less, and the foregone interest on that S$100,000 is the real cost.
Yes. UOB opened the Lady's line to all applicants in 2023, so the card is no longer restricted to women despite the name. Men still need to meet the same S$120,000 minimum annual income and the age-21 requirement to qualify.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.