MileWise Card Rating (1-4)
1️⃣ Core Card to Use 🔥 |
2️⃣ Use Only When There Is a Promotion 🎯 |
3️⃣ Apply Only for Sign-Up Bonus (SUB) 💰 |
4️⃣ 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.
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)
Not allowed to hold multiple UOB Lady’s Cards
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
Bonus Spending Categories
Click to Expand
Card Technical Specifications
🏷️Annual Fee: | $196.2/year (Lady's) ; $414.2/year (Lady's Solitaire) |
|---|---|
💰 Income Requirement: | $30,000/year (Lady's) ; $120,000/year (Lady's Solitaire) |
🌍 Foreign Currency Fee: | 3.25% |
⏳ Points Expiry: | 2 years |
✈️ Transfer Partners: | KrisFlyer, Asia Miles |
🔄 Transfer Ratio: | 1 UNI$ = 2 miles |
📦 Transfer Block: | 5,000 UNI$ (10,000 miles) |
💳 Transfer Fee: | $25 per transfer |
🔗 Points Pooling: | Yes, with other UOB cards for a single transfer |
📌 How/When Points Are Credited: | Base points are credited immediately when the transaction is posted; Bonus points are posted when the month ends. Saving bonus are posted in the following month |
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