Demo — invented data, read-only. Nothing here is anyone’s real spending.
RewardsMaxx

UOB Lady's Solitaire Card

uob · KrisFlyermiles

How it earns

4.00 mpd Preferred Rewards Category
preferred
Capped at S$750.00 of spend per calendar month · then falls to 0.40 mpd
0.40 mpd Everything else
base
Uncapped

Mechanics that decide real outcomes

Period basis
calendar month
Bins by
posting date
Accrual
S$5.00 blocks, floor, per transaction
Settlement
points balance
Credit lag
one cycle
Native unit
UNI$ → 2.00 miles each
Conversion
S$27.00 per 5,000 units
Expiry
24 months

Blocks are per transaction — a S$4.99 purchase earns nothing at all.

Exclusions

excluded mcc
27 MCCs: 6010, 6011, 6012, 6051, 6300, 6381, 6399, 6513…
excluded merchant
^EZ-?LINK GRABPAY TOP ^CARDUP ^IPAYMY ^ATOME ^NETS
not a purchase
non-purchase transactions

Terms and sources

Official terms and conditions ↗
  • tiers[preferred].cap.qualifying_spend_centsissueruob.com.sg ↗read 2026-07-27
    “With effect from 1 August 2025, if you hold a Lady's Solitaire Card, 2,700 UNI$ (which is equivalent to S$1,500 spent), with each Preferred Rewards Category capped at 1,350 UNI$ (which is equivalent to S$750 in spend). If you have selected two Preferred Rewards Categories, you can earn up to 1,350 UNI$ on each of your two selected Preferred Rewards Categories.”
  • tiers[preferred].rate_milli_per_dollarissueruob.com.sg ↗read 2026-07-27
    “Preferred Rewards Category(ies) Spending - 10X UNI$ per S$5 spent (equivalent to 4 miles per S$1). UOB Lady's Solitaire Card Cardmembers can select two Preferred Rewards Categories.”
  • tiers[preferred].cap.qualifying_spend_centscommentarymilelion.com ↗read 2026-07-27
    “Effective 1 August 2025 the maximum Bonus UNI$ per calendar month on the UOB Lady's Solitaire Card is 2,700 UNI$ (S$1,500 spending), with a category cap of 1,350 UNI$ (S$750 spending) per category.”

Notes

HOW IT EARNS
- 10X UNI$ per S$5 (4 mpd) on TWO Preferred Rewards Categories you choose,
  capped at UNI$1,350 (~S$750 of spend) each per month.
- Base UNI$1 per S$5 = 0.4 mpd on everything else. UNI$1 = 2 miles.
- No minimum spend to unlock the bonus.

WATCH OUT
- You MUST select your categories or everything earns the base rate. Until
  they are set in Wallet, that is what this app shows — deliberate, not a bug.
- Clause 5 requires re-registering the choice each Quarter.
- UOB's seven categories map onto this app's taxonomy only roughly, so
  "Fashion" behaves like all retail rather than clothing and OVERSTATES:
    Beauty & Wellness -> healthcare / retail_instore
    Fashion           -> retail_instore / online_shopping
    Dining            -> dining
    Family            -> groceries / retail_instore
    Travel            -> travel_air / travel_hotel / travel_ota
    Transport         -> transport_public / transport_ride_hail
    Entertainment     -> entertainment / streaming
- THIS RULE IS FOR THE NON-METAL SOLITAIRE. The Metal variant caps at
  UNI$3,600 (~S$2,000) a month and needs its own rule.

NOT MODELLED
- The exclusion list, which is inherited from UOB's other cards rather than
  read from this card's own terms.
- UNI$ expiry. The T&C gives no fixed term — it says to use them "before the
  expiry date as stipulated on your current statement".

EVIDENCE
- Base rate confirmed 2026-08-06 from the T&C: "Base UNI$ means the reward of
  UNI$1 for every S$5.00 spent (equivalent to 0.4 miles per S$1 spent)".
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