Looking for a credit card that matches your feminine lifestyle? Look no further than the UOB Lady’s Card. With its flexibility to change your preferred spending category every quarter, it’s the perfect card for those who love celebrating their individuality.
In this article, I’ll be reviewing the UOB Lady’s Card, covering everything from eligibility requirements to fees and charges, rewards and benefits, and even downsides of the card.
We’ll also take a look at how the rewards catalogue compares with other cards and who would benefit the most from this card. So, let’s dive in and see if the UOB Lady’s Card is the right fit for you.
UOB Lady’s vs UOB Lady’s Solitaire Card
I compared the UOB Lady’s Card and the UOB Lady’s Solitaire Card. The UOB Lady’s Card has a lower annual income requirement of S$30,000 and an annual fee of S$194.40.
It allows you to choose one bonus category per quarter, offers one free supplementary card, and has a bonus rewards cap of UNI$1,800.
On the other hand, the UOB Lady’s Solitaire Card has a higher income requirement of S$120,000 and an annual fee of S$406.60.
It allows you to choose two bonus categories per quarter, offers two free supplementary cards, and has a bonus rewards cap of UNI$5,400.
Both cards offer the same reward points/MPD earn rates and are available only to females over 21 (including the supplementary cards).
Eligibility Requirements
To apply for the UOB Lady’s Card, you must be a female aged 21 or above. Singapore Citizens or Singapore Permanent Residents (SPR) must have an income of S$30,000 or a minimum fixed deposit collateral of S$10,000.
Foreigners must have an income of S$40,000 or a minimum fixed deposit collateral of S$10,000. You can apply for the card on the UOB website using Singpass MyInfo if you are a Singaporean or SPR.
Foreigners must apply online with their supporting documentation.
To apply for the UOB Lady’s Solitaire, you must be a female aged 21 or above with an income of S$120,000 or a minimum fixed deposit collateral of S$30,000.
You can apply for the card on the UOB website using Singpass MyInfo if you are a Singaporean or SPR. Foreigners must apply online with their supporting documentation.
It is important to note that unlike the DBS Woman’s Credit Card, the UOB Lady’s Card is exclusively for women and men cannot apply even as supplementary cardholders.
Fees and Charges
As a cardholder of the UOB Lady’s Card, I am subject to an annual fee of S$194.40 (inclusive of GST) for the principal card, with a first-year fee waiver. The annual fee for each supplementary card is S$97.20, with the first card being free.
On the other hand, the UOB Lady’s Solitaire Card has an annual fee of S$406.60 (inclusive of GST) for the principal card, with a first-year fee waiver. The first two supplementary cards are free, and subsequent cards are charged at S$192.60.
The effective interest rate for both cards is 26.90%. Late payment charges are S$100, while the minimum monthly payment is 3% or S$50, whichever is higher.
Overlimit fees are S$40, and foreign currency transactions are subject to a fee of up to 3.25%. Cash advance interest and fees are 6% or $15, whichever is higher. Finally, the cost of card replacement is S$100.
Rewards and Other Benefits
Flexible Spending Categories
I am excited to share that the UOB Lady’s series of cards offers a unique feature that allows cardholders to select their bonus rewards categories. UOB Lady’s Card members can choose one category, while UOB Lady’s Solitaire members can select two out of seven categories.
These categories include Beauty & Wellness, Fashion, Dining, Family, Travel, Transport, and Entertainment. What’s even better is that I can change my category/categories every quarter, giving me the flexibility to maximize my rewards based on my spending habits.
Rewards-to-Spending Ratio
The rewards program for the UOB Lady’s series of cards is based on UNI$ points, which can be redeemed for a variety of rewards.
With a spending of S$500, I can redeem UNI$1,000 for rewards such as S$10 off Apple purchases at the UOB Apple Rewards Store, a S$10 Amazon Gift Card, a S$10 Don Don Donki voucher, or 2,000 KrisFlyer miles. At the bonus UNI$ rate, this translates to about 2% cashback or 4MPD.
While the cashback rate may not be as high as some other cards offering up to 10% cashback on similar categories, what catches my eye is the 4MPD rate. This rate is applicable to the first S$1,000 or S$3,000 of my spending, depending on my card, on up to two categories of my choosing.
What’s more, there is no minimum spend requirement to start earning bonus reward points. Overall, I am excited about the rewards and benefits that come with the UOB Lady’s series of cards, and I look forward to maximizing my rewards based on my spending habits.
How Does the Rewards Catalogue Compare?
If you’re someone who enjoys dining and shopping, the UOB Rewards catalogue might be a good fit for you. With 91 vouchers to choose from, it offers an extensive selection of options.
However, if you’re looking for more targeted rewards, Citibank might be a better option. It offers a range of rewards for travel, home and garden, electronics, watches, bags, and luggage. Additionally, Citibank provides an easy way to combine points with credit payment for travel-related bookings.
DBS offers a variety of rewards categories, including dining, play, service, shop, travel, and exclusive. It also provides many options to use points to offset credit card annual fees and bills. However, its rewards catalogue is not as extensive as UOB’s or Citibank’s.
In summary, the rewards catalogues of UOB, DBS, and Citibank cater to different types of spenders. While UOB is great for those who love to dine and shop, Citibank is better for those who want targeted rewards, and DBS offers a mix of categories with options to offset bills and fees.
Downsides of UOB Lady’s Card and Solitaire Card
1. No Airport Limousine Rides and Lounge Access
As I was researching the UOB Lady’s Card and Solitaire Card, I found out that they do not offer any airport limousine rides or lounge access. Although the card provides complimentary travel insurance coverage, it is not a travel-focused card, and you won’t get the usual travel perks.
If you prefer to have these benefits, you can pair this card with another that offers airport transfers and lounge access. However, keep in mind that this might not be the most convenient option.
2. No Clear Advantage to the Solitaire Card vs the Basic Lady’s Card
Another downside of these cards is that there is no clear advantage to owning a Solitaire Card over the basic Lady’s Card. Although the Solitaire Card offers an additional monthly bonus points limit and one more category to earn 10X bonus points, the higher bonus points cap only amounts to an extra $40 in rebates at 2% cashback. This amount is not enough to justify an extra S$200+ in annual fees.
It is worth noting that this card is only beneficial if you are after the 4MPD rate. However, it is not a travel-focused card and doesn’t have many perks in that department.
Who Would Benefit the Most From These Cards?
As I researched, I found that there are three groups of people who would benefit the most from these cards.
Firstly, women who want a card that caters to their spending habits.
Secondly, travel hackers who are looking for the highest MPD across all spending categories.
Lastly, those who can charge S$1,000 per month in categories not often covered by other cards. For the UOB Lady’s Solitaire Card, this amount can go up to S$3,000 per month.