Review & Guide | UOB Lady’s Credit Card

Review & Guide | UOB Lady’s Credit Card

Written by
Demi Zhuang
Date published
January 22, 2024

This 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

✅ Highest mpd rate right now

6 miles per dollar → Just for this reason alone the UOB Lady’s Card should be one of the cards you have in your miles accumulation journey. (Promotion Ends 31 March 2024, it’ll revert back to 4mpd after)

✅ Allowed Credit Card Spend for UOB One Savings Account

Spend $500 on an eligible card to get you an effective 5% interest rate on a $100,000 savings. A savings account you should be taking advantage of in this high interest rate environment.

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
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Sign up here

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.

Qualifying Transactions (MCC Codes)
click me
Credits:
Credits: Milelion

Note for (7) Travel refer to Milelion’s post here.

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

image

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

🚨 Unless you’re able to spend up to the cap amount to earn the maximum 6mpd, go ahead, apply for it now

Sign up here

Right now, as of writing this it’s 22 January 2024, whether or not UOB will be extending this promotional earn rate of 6mpd after 29 February 2024 is still uncertain. I’d say if you don’t need another miles card, hold your hoarses. (extended till 31 March 2024)

There are other miles card like the HSBC Revolution Credit Card offering 4mpd on a wide range of everyday spendings as compared to UOB Lady’s limitation of 1 / 2 categories.

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