The UOB Lady’s Solitaire Card is one of Singapore’s most talked-about premium rewards credit cards.
Known for its high category-based rewards, travel perks, and lifestyle privileges, this card was originally designed for women but has been open to all genders since July 2023.
In this 2026 guide, we cover everything you need to know: benefits, rewards structure, eligibility, and comparisons with the standard UOB Lady’s Card. We’ll also explain why multi-currency cards like YouTrip may be more practical for overseas spending due to zero FX fees and competitive exchange rates.
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⚡ TLDR: UOB Lady’s Solitaire Card at a Glance
| Feature | Details |
|---|---|
| Card Type | World Mastercard (Premium Rewards Card) |
| Annual Fee | S$414.20 (waived for first year) |
| Minimum Income | S$120,000 per annum |
| Base Earn Rate | 1 UNI$ per S$5 spent (0.4 mpd) |
| Category Earn Rate | 10 UNI$ per S$5 in selected categories (4 mpd) |
| Number of Categories | Select 2 out of 7 categories per quarter |
| Monthly Bonus Cap | S$1,500 total (S$750 per category) |
| Lounge Access | None |
| Travel Insurance | Complimentary coverage up to U$100,000 (~S$127,928) – registration required |
| Birthday Month Privileges | 10X UNI$ on selected categories (up to 25X total with savings account) |
| Best For | High-income earners who can maximize two bonus categories |
| Alternative | YouTrip multi-currency card (no fees, better FX rates) |
📚 Table of Contents:
- What is the UOB Lady’s Solitaire Card?
- Benefits
- Miles Earn Rate
- Rewards Categories
- Lounge Access
- Travel Insurance
- Eligibility & Requirements
- UOB Lady’s Solitaire Card vs UOB Lady’s Card
- UOB Lady’s Solitaire Card Pros & Cons
- Final Verdict: Is the UOB Lady’s Solitaire Card Worth It?
- FAQs
What is the UOB Lady’s Solitaire Card?
Image credits: UOB Singapore
The UOB Lady’s Solitaire Card is a premium World Mastercard credit card designed for Singaporean residents and PRs. It offers accelerated UNI$ rewards in selected spending categories, travel insurance, and lifestyle perks.
- Bonus categories can include dining, travel, fashion, or transport.
- UNI$ points can be converted into air miles (KrisFlyer, Asia Miles, Enrich) or redeemed for cashback, vouchers, and merchandise.
- Ideal for high-income earners with predictable spending in selected categories.
📖 Related guide: UOB Lady’s Card Guide: Categories, Fees, Miles Earn Rate
UOB Lady’s Solitaire Card Benefits
The UOB Lady’s Solitaire Card offers a mix of rewards, travel coverage, and lifestyle privileges, making it attractive for high-income spenders who optimise category spending.
- Rewards & Points
- Earn UNI$ points on all spending
- Bonus: 10 UNI$ per S$5 in two selected categories (~4 mpd)
- UNI$ points can be converted to airline miles or redeemed for rewards with partners like KrisFlyer, Asia Miles, and Enrich
- Travel Perks
- Complimentary travel insurance up to US$100,000 (registration required).
- No airport lounge access included.
- Lifestyle Privileges
- Discounts on dining, shopping, beauty, and wellness via UOB Rewards+.
- Valid in Singapore and select overseas destinations.
- LuxePay Instalment Plans
- Convert luxury purchases (designer bags, watches, jewellery, beauty treatments) into 0% interest instalments over 6 or 12 months.
- E-Commerce Protection
- Complimentary online purchase protection up to US$200 (~S$256).
- World Mastercard Benefits
- As a World Mastercard, cardholders enjoy selected global merchant offers and lifestyle perks.
- Contactless Payments
- Supports tap-and-go worldwide transactions for convenience and security.
⚠️ Traveller Tip:
While the benefits are competitive, foreign currency transactions incur ~3.25% FX fees, which can significantly reduce the value of rewards earned overseas.
For frequent travellers, multi-currency cards like YouTrip, which offer real exchange rates and zero FX fees, may provide better value for everyday spending abroad.
📖 Related guide: UOB PRIVI Miles Card Guide: Benefits, Fees & Rewards
UOB Lady’s Solitaire Card Miles Earn Rate
The UOB Lady’s Solitaire Card uses a UNI$ points system, which can be converted into airline miles at a 1 UNI$ = 2 miles ratio.
| Spend Type | Earn Rate | Miles Equivalent |
|---|---|---|
| General Spending | 1 UNI$ per S$5 | 0.4 mpd |
| Selected Bonus Categories (2) | 10 UNI$ per S$5 | 4 mpd |
Monthly Spending Caps
- S$1,500 total bonus cap per month
- Strict S$750 cap per category
- Once you exceed these caps, spending reverts to the 0.4 mpd base rate, significantly lowering returns.
Birthday Month Bonus
- 10X UNI$ on selected categories
- Up to 25X UNI$ possible if linked to a UOB Lady’s Savings Account (conditions apply)
Annual Bonus Miles Potential:
With both category caps fully utilised:
- Category 1: 3,000 miles
- Category 2: 3,000 miles
- Total: 6,000 miles per month
- Max bonus: 72,000 miles/year
⚠️ This is down from 96,000 miles annually before the August 2025 cap reduction, a 25% cut in earning potential.
This means: A long-haul business class redemption (~90,000–120,000 miles):
- Requires S$225,000–300,000 in general spending, or
- S$22,500–30,000 in perfectly optimised category spending
❗Key Limitations:
- Miles are earned indirectly (UNI$ → miles), adding friction compared to direct-mile cards
- Categories must be selected quarterly
- Two separate S$750 caps require active tracking to avoid wasted spend
- General spend earn rate (0.4 mpd) is weak compared to dedicated travel cards
📖 Related guide: UOB One Account Singapore Guide: UOB One Card, Interest Rates, Fees
UOB Lady’s Solitaire Card Categories
The UOB Lady’s Solitaire Card uses a category-based rewards system where cardholders earn higher UNI$ points by selecting two bonus categories each calendar quarter.
How the Category System Works
- Select 2 bonus categories every quarter
- Selected categories are locked in for three months
- Changes can only be made at the start of the next quarter
- Bonus earn rate: 10 UNI$ per S$5 spent (~4 miles per dollar)
- All other spending earns the base rate of 1 UNI$ per S$5 (~0.4 mpd)
Category selection is done via the UOB TMRW app or internet banking, typically in the last month of each quarter.
Available Categories (7 total):
- Dining
- Fashion & Apparel
- Beauty & Wellness
- Family (supermarkets, children’s items)
- Travel (flights, hotels, duty-free)
- Transport (public transport, taxis, petrol)
- Entertainment (bars, nightclubs, cinemas)
Monthly Spending Caps (Critical Limitation)
- Each selected category has a strict S$750 monthly cap (effective from 1 August 2025)
- Caps are per category, not pooled
- Unused cap cannot be transferred between categories
- Maximum bonus spend: S$1,500 per month across two categories
Key Takeaway
The category system can deliver strong rewards, but only if:
- Spending is predictable and well-distributed
- You track spending carefully to avoid exceeding caps
- You’re comfortable being locked into two categories for three months
For travellers or users with fluctuating expenses, this inflexibility (combined with FX fees) makes multi-currency cards like YouTrip more practical for overseas spending.
📖 Related guide: UOB Mighty FX Review: Rates, Fees & Benefits
UOB Lady’s Solitaire Card Lounge Access
The Singapore version does not include airport lounge access. Unlike many premium credit cards:
- ❌ No LoungeKey membership
- ❌ No Priority Pass access
- ❌ No complimentary lounge visits
- ❌ No access to UOB Private Lounges
Alternatives if lounge access is important:
- UOB Lady’s Solitaire Metal Card (invite-only) — 6 complimentary lounge visits per year via Mastercard Travel Pass
- Other premium credit cards with bundled lounge access
- Standalone lounge memberships or single-entry passes
📖 Related guide: Best Multi-Currency Cards In Singapore: A Full Comparison Guide
UOB Lady’s Solitaire Card Travel Insurance
The card offers complimentary travel insurance of up to US$100,000 when eligible travel expenses are charged to the card.
| Coverage | Maximum Benefit* |
|---|---|
| Medical Expenses | Up to US$100,000 |
| Emergency Medical Evacuation & Return of Mortal Remains | Up to US$100,000 |
| Daily In-Hospital Cash Benefit (min. 3 days, max. 15 days) | US$100/day |
| Overseas Quarantine Allowance (max. 14 days) | US$100/day |
*Subject to UOB Lady’s Solitaire Card policy
How to Activate Coverage
- Charge your flight ticket or common carrier fares to the card
- Register for the benefit before your trip
- Minimum charge requirements may apply (check latest policy terms)
📖 Related guide: Citi Prestige Card: Guide to Fees, Miles, Eligibility & Tips
UOB Lady’s Solitaire Card Requirements & Eligibility
- Minimum Age: 21 years old
- Minimum Annual Income: S$120,000 (Singapore Citizens, PRs, and foreigners)
- Residency: Singapore Citizens, PRs, or foreigners working in Singapore
- Employment: Employed, self-employed, or able to provide sufficient income documentation
- Gender: Open to all since July 2023
💡 For those ineligible or seeking simpler travel convenience, multi-currency cards like YouTrip provide a fee-free alternative with zero FX fees and no income requirements.
📖 Related guide: Citi PremierMiles Card: Guide to Benefits, Fees & Rewards
UOB Lady’s Solitaire vs UOB Lady’s Card
| Feature | UOB Lady’s Solitaire Card | UOB Lady’s Card (Standard) |
|---|---|---|
| Annual Fee | S$414.20 (first year free) | S$196.20 (first year free) |
| Supplementary Cards | First 2 free forever; Additional: S$196.20/year | 1st free forever; Additional: S$98.10/year |
| Min. Annual Income | S$120,000 (all applicants) | S$30,000 (SG/PR)S$40,000 (Foreigners) |
| Bonus Categories | Pick 2 categories | Pick 1 category |
| Base Earn Rate | 0.4 mpd (all spending) | 0.4 mpd (all spending) |
| Category Earn Rate | 4 mpd (no savings acct); Up to 10 mpd (with savings acct) | 4 mpd (no savings acct); Up to 10 mpd (with savings acct) |
| Monthly Spending Cap | S$1,500 total(S$750 per category) | S$1,000 per category |
| Annual Miles Potential* | 72,000 miles (no savings); 108,000 miles (S$10K-S$49K); 144,000 miles (S$50K-S$99K); 180,000 miles (S$100K+) | 48,000 miles (no savings); 72,000 miles (S$10K-S$49K); 96,000 miles (S$50K-S$99K); 120,000 miles (S$100K+) |
| Airport Lounge Access | ❌ None | ❌ None |
| Travel Insurance | ✅ Up to US$100,000 (~S$127,928) – registration required | ❌ None |
| LuxePay 0% Installments | ✅ 6 or 12 months | ✅ 6 or 12 months |
| Foreign Transaction Fee | 3.25% | 3.25% |
| E-Commerce Protection | ✅ Up to 200 USD (~S$257.80) | ✅ Up to 200 USD (~S$257.80) |
| UOB Rewards+ Access | ✅ Yes | ✅ Yes |
| Best For | High earners who max 2 categories & value travel insurance | Regular spenders who can hit S$1,000/month in one category |
Solitaire – Ideal for:
- Earn S$120,000+
- Spend heavily in two categories (~S$1,500/month)
- Want higher travel insurance coverage
- Maximise 72,000 bonus miles/year (+24,000 miles vs standard Lady’s Card)
Standard Lady’s Card – Ideal for:
- Moderate spenders or single-category users
- Lower income requirement (S$30,000/year)
- Lower fee and simpler category cap management
📖 Related guide: Citi Rewards Card: Guide to Fees, Miles & Benefits
UOB Lady’s Solitaire Card: Pros & Cons
✅ Pros
- First Year Fee Waiver
- High Category Earn Rate: Up to 4 miles per dollar in two selected categories
- Comprehensive Travel Insurance: Coverage up to 100,000 USD
- Dual Category Selection: More flexibility than 1-category Lady’s Card
- Birthday Month Multiplier: Up to 25X UNI$ (~10 mpd) with linked savings account
- UNI$ Pooling: Combine points with other UOB cards, including PRVI Miles
- LuxePay Instalments: 0% interest for 6–12 months
❌ Cons
- Limited Category Transparency: Some purchases may not earn bonus points
- High Annual Fee: S$414.20 after first year; requires high spending to justify
- Restrictive Monthly Caps: S$750 per category limits maximum bonus miles
- No Lounge Access: Unlike similar-priced premium cards
- Complex Cap Management: Two separate caps, no carryover
- Very High Income Requirement: Excludes most younger professionals
- Foreign Transaction Fees: 3.25% reduces rewards value overseas
- Category Lock-In: Fixed for three months
- Manual Miles Conversion: UNI$ → miles at 1:2 ratio with S$25 fee
- Points Expiry: 2 years from the quarter earned
- Automatic Fee Deduction: UOB may redeem points unless waived
📖 Related guide: DBS Woman’s World Card: Miles, Features & Perks Explained
Final Verdict: Is the UOB Lady’s Solitaire Card Worth It?
The UOB Lady’s Solitaire Card is best for high-income Singaporeans with predictable domestic spending in two bonus categories, especially if you can hit S$750 per category each month. Complimentary travel insurance is the main draw.
That said, strict caps, no lounge access, and 3.25% FX fees mean it falls short as a true premium travel card.
Who It’s For:
- Earn S$120,000+ annually
- Spend ~S$1,500/month across two categories
- Want up to 72,000 bonus miles/year (24,000 more than the standard Lady’s Card)
- Can justify the extra S$218 annual fee with higher rewards and insurance
Overseas Spending Reality:
Despite the branding, the card is poor for overseas use.
FX fees significantly erode mile value, making everyday foreign spending inefficient.
Best Strategy:
- Lady’s Solitaire: Local spending in bonus categories (4 mpd)
- YouTrip: All overseas spending (zero FX fees, no annual fee)
This hybrid approach maximises rewards where they matter and avoids hidden FX costs — savings that can even cover lounge visits the card doesn’t include.
📖 Related guide: HSBC Premier Mastercard Singapore: Benefits, Eligibility, Rewards
FAQs: UOB Lady’s Solitaire Card
Q: Is the UOB Lady’s Solitaire Card worth the S$414.20 annual fee?
A: Only if you consistently maximise both category caps (~S$1,500/month) to earn 72,000 bonus miles/year. Travel insurance adds value, but the lack of lounge access and high-income requirement limit its appeal.
Q: Can I change bonus categories mid-quarter?
A: No. Categories are fixed for the quarter. Changes can only be made before the next quarter.
Q: What happens if I exceed the S$750 monthly cap?
A: Spending beyond the cap earns base rate only (0.4 mpd). Unused cap from the other category cannot be transferred.
Q: Do I earn bonus rewards on overseas spending?
A: Technically, yes, if the merchant is coded correctly. In reality, 3.25% FX fees usually outweigh rewards, making fee-free cards like YouTrip a better option.
Q: How do I convert UNI$ to air miles?
A: Via the UOB TMRW app or internet banking → Rewards → Convert to Air Miles.
- Conversion ratio: 1 UNI$ = 2 miles
- Fee: S$25 per transaction
- Processing time: 7–14 business days
Q: Does travel insurance cover COVID-19?
A: Coverage varies by policy period. Always check the latest policy wording or confirm with UOB.
Q: Can men apply for the UOB Lady’s Solitaire Card??
A: Yes. Open to all genders since July 2023.
Q: Is there airport lounge access?
A: No. For lounges, consider the UOB Lady’s Solitaire Metal Card or other premium cards.
Q: What happens to UNI$ if I cancel the card?
A: Points are forfeited. Convert to miles or redeem rewards before cancellation. Points also expire 2 years after the quarter earned.
Q: Can I have both Solitaire and standard Lady’s Card?
A: No. Applying for one will upgrade or replace your existing Lady’s card.
Q: How do I prevent UNI$ points from being deducted for the annual fee?
A: Contact UOB customer service near your card anniversary to request a fee waiver. Automatic deduction is the default.
Q: How many miles can I realistically earn annually?
- Max bonus: 72,000 miles (S$1,500/month in two categories)
- General spending: 0.4 mpd
- Realistic range for S$2,000–3,000/month total spend: 53,000–70,000 miles/year
Q: Is YouTrip better than Lady’s Solitaire for all spending?
A: Not always. Lady’s Solitaire excels at domestic category spend; YouTrip is better for overseas transactions due to zero FX fees.
The Smarter Alternative for Travel
Looking for a simpler, fee-free solution for overseas spending? YouTrip provides a modern, multi-currency alternative that eliminates FX fees, hidden markups, and annual fees — making it a practical choice for Singaporeans travelling abroad in 2026.
Not on YouTrip yet? Get a free YouTrip card + S$5 YouTrip credits with code <YTBLOG5>.
Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!
Bon voyage!
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