UOB Lady's Solitaire Card
UOB Lady's Solitaire Card
- S$5 = 1X UNI$ (or 2 miles)
- Base Earn Rate
- S$5 = Up to 25X UNI$ (equivalent to 10 miles per S$1)
- on Two Categories of Choice
- S$0
- Min. Spend
All Details
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UOB Lady's Solitaire Card Review 2024
The UOB Lady's Solitaire Card is essentially the “upgraded” version of the UOB Lady’s Card and offers similar, but a wider range of benefits than the UOB Lady’s Card.
Besides the key feature of getting 25X UNI$ for every S$5 spent (10 miles per S$1) on 2 of your preferred rewards categories (instead of 1 category only as per the lower tier UOB Lady’s Card) with no minimum spend, there’s also complimentary travel Insurance coverage of up to USD100,000, and even coverage for female cancer and some cash credit when paired with the UOB Lady's Savings Account.
Let's look into the details of what the UOB Lady's Solitaire Card has to offer, and how its array of benefits compare to similar rewards credit cards.
Besides the key feature of getting 25X UNI$ for every S$5 spent (10 miles per S$1) on 2 of your preferred rewards categories (instead of 1 category only as per the lower tier UOB Lady’s Card) with no minimum spend, there’s also complimentary travel Insurance coverage of up to USD100,000, and even coverage for female cancer and some cash credit when paired with the UOB Lady's Savings Account.
Let's look into the details of what the UOB Lady's Solitaire Card has to offer, and how its array of benefits compare to similar rewards credit cards.
Pros & Cons
Pros
- Up to 25X UNI$ (or 10 miles per S$1) on 7 spending categories including beauty and wellness, dining, entertainment, groceries, fashion, transport, travel
- UNI$1 per S$5 spent (0.4 miles per S$1) on any other spending
- Up to S$210 cash credit when card is linked to a UOB Lady’s Savings Account and savings credited into it (promotion valid till 31 July 2024)
- First year waiver of annual fee available
- Option to convert UNI$ into air miles
- Option to redeem your UNI$ on UOB TMRW to offset bills and purchases for 7 different spending categories every quarter
- Enjoy travel, shopping and dining discounts, weekly UOB Coupons, and more within UOB Rewards+ app
- Up to USD100,000 of complimentary travel insurance
- Up to S$200,000 coverage for 6 female cancers when card is linked to a UOB Lady’s Savings Account and savings credited into it
- Access to exclusive dental privileges when card is linked to a UOB Lady’s Savings Account and savings credited into it
Cons
- Interest rate of 27.80%, which is higher than other rewards credit cards in the market
- Higher annual fee (S$414.20) than many other rewards credit cards in the market
- Higher annual income (S$120,000) requirement than many other rewards credit cards in the market
- Time restriction in preferred spending categories, as any subsequent changes will only come into effect at the start of the next calendar quarter
Compare UOB Lady's Solitaire Card vs. HSBC Revolution Card vs. SCB Rewards+ Credit Card
The UOB Lady's Solitaire Card stands out for its extensive range of spending categories that earn the highest reward points or air miles, offering 10X UNI$ (equivalent to 4 miles per S$1) with the possibility of an additional 15X UNI$ (6 miles per S$1) when linked to a UOB Lady's Savings Account, albeit with an annual fee.
In contrast, the HSBC Revolution card does not levy any annual fees. Compared to the HSBC Revolution Card and Standard Chartered Rewards+ Card, the UOB Lady's Solitaire Card imposes a stricter cap on reward points at 3,600 UNI$ (which is equivalent to S$2,000 spent in a calendar month) but remains more flexible than the Standard Chartered Rewards+ Card, which caps at 20,000 reward points annually (roughly 1,667 reward points per month).
Regarding interest rates, the Standard Chartered Rewards+ Card carries the highest at 27.90% p.a. and has the most stringent income requirement for foreigners. In summary, the UOB Lady's Solitaire Card suits consistent spenders, irrespective of gender, who can optimise the additional 15X UNI$ rewards and benefit from owning a UOB Lady’s Savings Account, which, as of now, remains exclusive to women.
In contrast, the HSBC Revolution card does not levy any annual fees. Compared to the HSBC Revolution Card and Standard Chartered Rewards+ Card, the UOB Lady's Solitaire Card imposes a stricter cap on reward points at 3,600 UNI$ (which is equivalent to S$2,000 spent in a calendar month) but remains more flexible than the Standard Chartered Rewards+ Card, which caps at 20,000 reward points annually (roughly 1,667 reward points per month).
Regarding interest rates, the Standard Chartered Rewards+ Card carries the highest at 27.90% p.a. and has the most stringent income requirement for foreigners. In summary, the UOB Lady's Solitaire Card suits consistent spenders, irrespective of gender, who can optimise the additional 15X UNI$ rewards and benefit from owning a UOB Lady’s Savings Account, which, as of now, remains exclusive to women.
| UOB Lady's Solitaire Card | HSBC Revolution Card | SCB Rewards+ Credit Card |
|---|---|---|
| Interest rate: 27.80% | Interest rate: 26.90% | Interest rate: 27.90% |
| Annual fee: $414.20 (first year waiver available) | Annual fee: None | Annual fee: $196.20 (first year waiver available) |
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Find Out More About The Best Rewards Credit Cards In Our Blog Article!
UOB Lady's Solitaire Card Application
Here are 3 simple steps to apply for the UOB Lady's Solitaire Card
Step 1
Apply via MoneySmart’s credit cards page
You may begin your application by clicking on our UOB Lady's Solitaire Card application link. When you choose to apply online via SingPass MyInfo, UOB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Step 2
Provide all documentation required
You’ll need to provide all the necessary documentation in order for UOB to approve your credit card application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Step 3
Receive your UOB Lady's Solitaire Card
You’ll be able to activate your UOB PRVI MasterCard Miles Card through UOB TMRW mobile app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions.
Thereafter, it’s ready for you to use on any of your purchases and you can track your cashback rewards and credit card statements with your UOB TMRW mobile app!
Frequently Asked Questions
Are there any fees if I apply for the UOB Lady's Solitaire Card?
- UOB Lady's Solitaire Card charges an annual fee of $414.20 (first year waiver available) and other fees like late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the UOB Lady's Solitaire Card?
- If you’re a Singapore Citizen, Permanent Resident (PR), you’re eligible to apply for the UOB Lady's Solitaire Card, as long as you’re aged between 21 and above, and earn a minimum annual income of $120,000 (for Singaporeans, PRs, as well as foreigners).