2025 Card Review: UOB Lady’s & Lady’s Solitaire (LS)

The UOB Lady’s Card and Lady’s Solitaire Card continue to be among the best specialized miles-earning credit cards in Singapore. With up to 6 miles per dollar (mpd) on selected bonus categories and a generous cap on the Solitaire version, these cards are a must-have for strategic spenders.

UOB Lady’s (Solitaire) Card: MileWise Card Rating for 2025

☑ Core Card to Use 🔥

☐ Use Only When There Is a Promotion 🎯

☐ Apply Only for Sign-Up Bonus (SUB) 💰

☐ Don't Bother Applying 🚫

MileWise Commentary: The UOB Lady’s Card and Lady’s Solitaire Card are essential for any serious miles collector, offering an impressive 4-6 miles per dollar (mpd) across categories like beauty & wellness, dining, entertainment, family, fashion, transport, and travel. With a S$2,000 monthly cap on the Lady’s Solitaire Card, it stands out as one of the most generous cap out of all the specialized spending cards in Singapore. However, this is not a card for amateurs – it’s important to pay attention to the Merchant Category Codes (MCC) of your transactions to ensure you earn the maximum miles.

Difference between UOB Lady’s & UOB Lady’s Solitaire

• Number of bonus categories: 1 (Lady's) ; 2 (Lady's Solitaire)

• Bonus Cap: S$1K (Lady's) ; S$2K (Lady's Solitaire)

• Income Requirements: $30,000/year (Lady's) ; $120,000/year (Lady's Solitaire)

• Not allowed to hold multiple UOB Lady’s Cards

  • Although I have seen data points of people holding both version, but the bonus cap remains at S$2K

Key Features of UOB Lady’s Card & Lady’s Solitaire Card

• 4 mpd on a choice of up to two bonus categories (I picked Dining + Travel)

• Upsize it to 6mpd if you deposit $10k into Lady Saving’s account ( Interest= 0.05% p.a.)

• No S$5 earning block issue as bonus miles are calculated at the end of the month

• Key Exclusions: Cannot be paired with Amaze for lower FCY fees

• No problems getting an annual fee waiver

Who Should Use the UOB Lady’s Card & Lady’s Solitaire Card?

• High income  – If you earn >S$120,000/year, the Solitaire version with a higher cap is ideal.

• Frequent travelers  – The travel category makes it easy to accumulate miles quickly with flight bookings, accommodations, and overseas spending.

• Big-ticket spenders – Ideal for major expenses like wedding banquets (Dining) or home appliances (Fashion, due to departmental store MCCs).

• High spenders – Those who can maximize the S$2,000 bonus cap and earn additional returns through the Lady’s Savings Account.

  
  

Follow These Tips to Maximise Your Miles from the UOB Lady’s Card & Lady’s Solitaire Card

• Choose bonus categories wisely – Pick categories that align with your highest spending habits. Travel is a strong option given the high expenses involved, with dining and fashion also being excellent choices.

• Leverage the Lady’s Savings Account – If you have S$10K to spare, parking it in the account unlocks 6 mpd.

• Monitor MCCs – Be diligent about checking MCCs to ensure your transactions qualify for bonus miles.

• Max out the bonus cap – With 6 mpd being one of the highest rates among specialized cards in Singapore, prioritize spending on this card and aim to fully utilize the cap.

  
  

Bonus Spending Categories

Final Thoughts: Should You Get UOB Lady’s (Solitaire) card?

If you can optimize your spending within the eligible MCCs, this is one of the best cards for miles accumulation in Singapore. The ability to earn up to 6 mpd makes it an excellent choice for high-income earners and big-ticket spenders. However, those unfamiliar with MCCs or who prefer a more flexible earning structure might find other 4-6 mpd cards more user-friendly.

What’s your take on the UOB Lady’s (Solitaire) card? Let me know in the comments/poll!

Enjoyed this article? Find more tips to accelerate your miles game! ✈️💳

📌 Beginner’s Guide: How should I start my miles journey? (Feb 2025)

📌 My 2025 Credit Card Strategy for Maximizing Miles 

📌 2025 Beginner’s Guide: The Best 4-6 mpd Credit Cards in Singapore

📌 How much is a KrisFlyer mile worth in 2025? 

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Survey: UOB Lady’s (Solitaire) card

UOB Lady’s (Solitaire) Card Technical Specifications

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