Should I deposit S$10,000 to earn 6 mpd on UOB Lady’s Cards?
- MilesWise
- Feb 23
- 3 min read
Updated: Mar 6
UOB Lady’s Cardholders can earn extra miles when maintaining a balance in the UOB Lady’s Savings Account, with bonus miles per dollar (mpd) depending on the monthly average balance (MAB).
However, the bonus cap is tied to the card type, not the account balance:
UOB Lady’s Card: Max S$1,000 eligible spending/month
UOB Lady’s Solitaire/Lady’s Solitaire Metal Card: Max S$2,000 eligible spending/month
Miles Earned Based on Account Balance
S$10,000 – S$49,999 → +2 mpd
S$50,000 – S$99,999 → +4 mpd
S$100,000+ → +6 mpd
Opportunity Cost & Value Analysis: Miles vs Fixed Deposits
S$10,000 – S$49,999 Tier: Recommended
For a UOB Lady’s Solitaire Cardholder who fully utilizes the S$2,000 monthly bonus cap, the UOB Lady’s Savings Account generates an additional 48,000 miles per year at +2 mpd.
At a 1.5 cents per mile valuation, this equates to S$720 in value.
In contrast, placing S$10,000 in a fixed deposit at 3% p.a. would yield S$300 in interest over a year. The miles strategy provides S$420 more in value, making it the better option—as long as the bonus cap is fully utilized each month.
S$50,000 – S$99,999 Tier: Borderline
With a S$50,000 deposit, a UOB Lady’s Solitaire Cardholder earns an additional 96,000 miles per year at +4 mpd.
At a 1.5 cents per mile valuation, this translates to S$1,440 in value.
However, a S$50,000 fixed deposit at 3% p.a. would generate S$1,500 in interest annually. In this case, the fixed deposit slightly edges out the miles strategy by S$60, making it a borderline choice. If interest rates exceed 3% p.a., the fixed deposit becomes the clearly superior option.
S$100,000+ Tier: Not Recommended
With a S$100,000 deposit, a UOB Lady’s Solitaire Cardholder earns an additional 144,000 miles per year at +6 mpd.
At a 1.5 cents per mile valuation, this equates to S$2,160 in value.
Meanwhile, a S$100,000 fixed deposit at 3% p.a. would generate S$3,000 in interest over a year, offering S$840 more than the miles strategy. This makes the fixed deposit the superior choice for those prioritizing returns.
Final Recommendation
S$10,000 deposit: Best value—the miles strategy outperforms fixed deposits, making it the ideal sweet spot.
S$50,000 deposit: Break-even—miles value and fixed deposit returns are almost equal, so this depends on your personal valuation of miles.
S$100,000+ deposit: Not worth it—fixed deposit offers significantly better returns.
How much are you despositing for UOB Lady’s Savings Account? Let me know in the comments/poll!
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Survey: How much are you depositing for UOB Lady’s Savings Account?
UOB Lady Saving Account
$0
$10,000
$50,000
$100,000
Recap
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, it’s important to pay attention to the Merchant Category Codes (MCC) of your transactions to ensure you earn the maximum miles. If you’re strategic about your spending, these cards can be a game-changer for your miles accumulation.
UOB Lady’s (Solitaire) Card Summary
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 is calculated at the end of the month
Key Exclusions: Amaze (no pairing for lower FCY)
No problems getting an annual fee waiver
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