Demi ZhuangThis guide will provide you with key points on what you need to know to make the decision on whether to apply or not. I’ll share with you my personal experience using them too! 🙂 Hope this helps.
Note: I won’t be covering the UOB Lady’s Blue Solitaire Metal Card (invite-only, $500K income requirement) with higher annual fee and additional benefits from World Elite Mastercard.
Reasons Why This is Not to be Missed
✅ Allowed Credit Card Spend for UOB One Savings Account
Spend $500 on an eligible card to get you an effective 4% interest rate on $150,000 savings. A savings account you should be taking advantage of in this high interest rate environment.
✅ High mpd rate on 1 or 2 Category
4 miles per dollar
UOB Lady’s | UOB Lady’s Solitaire | Notes | |
Limited time only - 15 uni$ for every $5 = 6mpd | 1 Category | 2 Category | |
Monthly Cap | $1,000 | $3,000 | spend only up to this amount! |
Annual Income Requirement | $30,000 | $120,000 | |
Annual Fee | $194.40 | $410.40 | first year free |
Categories to Choose from Quarterly
💄 beauty and wellness
👗 fashion
🎫 entertainment
👨👩👧 family
🍽️ dining
✈️ travel
🚌 transport
Categories are to be selected here before the start of the quarter —
- January - March
- April - June
- July - September
- October - December
If you don’t select a new category before the next quarter it will retain what was chosen before.
The usual Credit Card exclusions do apply. Refer to full T&C’s point 32 here.
How does the UNI$ work?
Earning UNI$ in blocks of $5 — | UNI$ | SGD | Equivalent Miles | Cap / Month | Credit Period |
Base | 1 | 5 | 2 | - | When transaction gets posted |
Bonus | 9 | 5 | 18 | 1,800 UNI$ | Start of the following calendar month |
Additional Bonus
(ends 29 Feb 2024) | 5 | 5 | 10 | 1,000 UNI$ | Start of the following calendar month |
TOTAL | 15 | 5 | 30 | ||
per dollar | 5 | 1 | 6 |
UNI$ Expiry | 2 Years |
Pools with other UOB Cards | Yes |
Transfer Fee | S$25 |
Min. Transfer | 5,000 UNI$ = 10,000 miles |
Available Partners | KrisFlyer
Asia Miles
Air Asia Points |
How Much Miles I’ve Earned using the UOB Lady’s Card in 2023
Here’s is the spreadsheet template I’ve created for myself to track the UNI$ earned, sharing it with you guys if you’d like to do the same. 🙂
Summary
🚨 I use UOB Lady’s mainly for Travel bookings or Dinings as of July 2024. My main credit card for 4mpd is Citi Rewards with Instarem Amaze for almost anything up to $1,000 per statement month. →