If you’re one who loves celebrating your feminine individuality, the UOB Lady’s Card may be the card that complements your lifestyle.
And of course, it’s hard to one-up this card’s flexibility in being able to change your preferred spending category every quarter.
Signing up for a spa package? Set your category to “Beauty and Wellness” for the quarter. Taking a month off to travel? No worries – just change to “Travel.”
Today, we’ll review the UOB Lady’s Card, covering:
- Eligibility requirements
- Fees and charges
- Rewards and other benefits
- How the rewards catalogue compares with others
- Downsides of the card
- Who would benefit the most from this card?
UOB Lady’s vs UOB Lady’s Solitaire Card
Before we jump in, note the difference between the two cards:
| UOB Lady’s Card | UOB Lady’s Solitaire Card |
|---|---|
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Other than that, both offer the same reward points/MPD earn rates and are available only to females over 21 (including the supplementary cards).
Eligibility Requirements
| UOB Lady’s Card | UOB Lady’s Solitaire | |
|---|---|---|
| Age & Gender | 21 and above, females only | 21 and above, females only |
| Income Requirement |
| Everyone: S$120,000 or minimum fixed deposit collateral of S$30,000 |
You can apply via the UOB website using Singpass MyInfo if you’re a Singaporean or SPR. Foreigners may apply online with their supporting documentation.
Main thing of note here: unlike the DBS Woman’s Credit Card, this is for women only. Men can’t apply for this card even as a supplementary cardholder.
Fees and Charges
| Annual Fees (UOB Lady’s Card Only) |
|
| Annual Fees (UOB Lady’s Solitaire Card Only) |
|
| Effective Interest Rate | 26.90% |
| Late Payment Charges | S$100 |
| Minimum Monthly Payment | 3% or S$50, whichever is higher |
| Overlimit Fee | S$40 |
| Foreign Currency Transaction Fee | Up to 3.25% |
| Cash Advance Interest and Fees | 6% or $15, whichever is higher |
| Card Replacement | S$100 |
Rewards and Other Benefits
| Rewards (MPD equivalent) | 10X UNI$ per S$5 or 4 MPD on 1 or 2 selected categories, depending on the card |
| Bonus Point Cap |
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| Others |
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Flexible Spending Categories
UOB Lady’s Card members can choose 1 bonus rewards category while UOB Lady’s Solitaire members can select 2 out of 7 categories, namely:
- Beauty & Wellness
- Fashion
- Dining
- Family
- Travel
- Transport
- Entertainment
You’ll have to select the category once you get the card for the bonus rewards rate to take effect. Thereafter, you can change your category/categories every quarter (or leave it the same if you wish).
This is one of the biggest perks of the UOB Lady’s series of cards, as few other cards would offer so much flexibility. Even the Maybank Family & Friends Card only allows you to change your selected categories once a year.
Rewards-to-Spending Ratio
Here’s a sampling of what you can redeem with UNI$1,000 (or S$500 in spending):
- S$10 off Apple purchases at the UOB Apple Rewards Store
- S$10 Amazon Gift Card
- S$10 Don Don Donki voucher
- 2000 KrisFlyer miles
That boils down to about 2% cashback or 4MPD at the bonus UNI$ rate. The cashback rate isn’t great – there are plenty of other cards offering up to 10% cashback on similar categories. The 4MPD is what catches our eye.
Read also: 9 Best Cashback Credit Cards for Singapore
4MPD may not sound like much compared to the 6-10MPD that the DBS Altitude Card offers, but bear in mind that MPD rate is purely for transactions on Expedia and Kaligo – not exactly flexible.With the UOB Lady’s or Lady’s Solitaire Card, you’ll get 4MPD on the first S$1,000 or S$3,000 of your spending respectively, on up to 2 categories of your choosing. Not bad for a card that has no minimum spend requirement to start earning bonus reward points.
How Does the Rewards Catalogue Compare?
| Bank | Rewards Catalogue (Categories) | What’s Unique |
|---|---|---|
| UOB |
| Extensive dining and retail options to redeem |
| DBS |
| Many options to use points to offset DBS credit card annual fees and bills |
| Citi |
| Redeem full range of Apple products with points Book any of the 300,000+ hotels and airlines with points |
If you love to dine and shop, the UOB Rewards catalogue may be appealing. It offers an extensive selection of up to 91 vouchers to choose from.
Citibank, on the other hand, has the upper hand when it comes to more targeted spending like travel and home-related rewards. It even provides an easy way to combine points with credit payment for travel-related bookings.
Downsides of UOB Lady’s Card and Solitaire Card
Here are a few areas you should take note of while spending with this card:
1. No Airport Limousine Rides and Lounge Access
Even though the card offers complimentary travel insurance coverage, it isn’t a travel-focused card. You won’t get the usual travel perks such as complimentary airport transfers or lounge access.
Then again, if you chose “Travel” as your preferred spending category, it’s easy enough to pair this card with another.
Read also: The 7 Best Miles Credit Cards for Singapore
2. No Clear Advantage to the Solitaire Card vs the Basic Lady’s Card
The upside of owning a Solitaire Card over the basic Lady’s Card lies in the additional monthly bonus points limit and one more category to earn 10X bonus points.
But bear in mind that at 2% cashback, the higher bonus points cap only amounts to an extra $40 in rebates – not enough to justify an extra S$200+ in annual fees.
This card is really only worth it if you’re after the 4MPD rate. Again though, it’s not a travel-focused card and doesn’t have many perks in that department.
Who Would Benefit the Most From These Cards?
- Women who want an exclusive card that can cater to their spending habits (instead of the other way around)
- Travel hackers looking for the highest MPD across all spending categories
- Those who can charge S$1,000 per month in categories not often covered by other cards (or up to S$3,000 per month for the UOB Lady’s Solitaire Card)