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UOB Lady's Solitaire

Miles card by UOB · Easy · No minimum spend

Earns 4 mpd on your chosen bonus categories. Everything else in S$ earns 0.4 mpd. Annual fee: S$414.20.

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Best rate4 mpdYour chosen bonus categories

Everything else0.4 mpdin S$

Bonus capS$1,500a month

Annual feeS$414.20

Checked against UOB's own terms on 2 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Your chosen bonus categories	Any way of paying	4 mpd
Everything else, in S$	Any way of paying	0.4 mpd
Everything else, in a foreign currency	Any way of paying	0.4 mpd

The bank's full earning rules

Base: UNI$1 per S$5 (0.4 mpd).
Preferred Rewards Categories (up to 2): additional 9X UNI$ per S$5 (10X total, 4 mpd).
Bonus cap from 1 Aug 2025: 2,700 bonus UNI$ per calendar month (S$1,500 of spend), with 1,350 bonus UNI$ (S$750 of spend) per category.
Up to 25X UNI$ is possible with a UOB Lady's Savings Account; Cardinko counts only the card's 10X.

Where the bonus applies

Beauty & Wellness: MCC 5912, 5977, 7230, 7231, 7297, 7298
Dining: caterers, restaurants, fast food and food delivery (5811, 5812, 5814, 5499)
Entertainment: bars, cinemas, theatre and ticket agencies (5813, 7832, 7922)
Family: supermarkets and children's wear (5411, 5641)
Fashion: 5311, 5611, 5621, 5631, 5651, 5655, 5661, 5691, 5699, 5948
Transport: public transport, taxis, petrol (4111, 4121, 4789, 5541, 5542)
Travel: major airlines and hotels only

Same exclusions as the UOB Lady's Card: bill payments, NETS, instalments, transfers, cash advances, fees, top-ups, securities and…

Annual feeSGD 414.20 for the principal card (UOB annual fees page).

Overseas fee3.25% administrative fee on non-SGD transactions.

Rewards expiryUNI$ expire 2 years from the last day of the quarter in which they were earned.

Turning rewards into miles or cashUNI$1 = 2 KrisFlyer miles (UNI$10 per S$5 = 4 mpd).

Pick up to 2 categories in UOB's app; you can change them each quarter. Each category has its own S$750 monthly cap (S$1,500 total), from 1 Aug 2025.

UOB's "Family" category is shown here as Groceries. "Transport" includes taxis, public transport and petrol. "Dining" includes food delivery.

The invitation-only Lady's Solitaire Metal Card has a higher cap (3,600 bonus UNI$) and is not modelled here.

Cardinko tracks its caps and minimum spend as you go, and tells you which card to use at every shop.