RewardsMaxx

LADY'S SOLITAIRE CARD

•••• 6005

+ Add screenshot

Last upload 12 Aug · statementLast transaction 9 Aug

UNI$

1,310

Earned this cycle

⇄ 2,620 mi

This cycle

17 days left

1 Aug – 31 Augcalendar · monthly · by posting date

Spend

S$660.20

Qualifying

S$660.20

Earned

2,620 mi

Transactions

Left to ceiling

S$468.15

Preferred Rewards Category — TravelS$281.85 of S$750.00

Preferred Rewards Category — DiningS$378.35 of S$750.00

S$10.40 fell short of a whole earning block and earned nothing.

Every cycle so far

Earned (UNI$)

25,840

Worth (miles)

51,680

Blended rate

3.17 mpd

Spend

S$16,302.20

Cycles

Lost to rounding

S$495.97

Blended rate divides by every dollar spent, including the S$495.97 that fell inside part-used S$5.00 blocks and earned nothing. That is what makes it the figure to compare cards on: it is what this card returned on everything you put through it.

S$495.97 of spend fell inside partial S$5.00 blocks and earned nothing — 322 miles at the rate each remainder actually lost. The bonus is rounded once for the whole cycle on this card, so a remainder left inside a transaction loses only the base rate — it still counts toward the cycle's bonus. It is the single remainder at the end of the cycle that costs the bonus, which is why this is worth less than the same spend at the card's headline rate.

Average S$1,042.80 over 15 cycles, excluding the cycle still running

Preferred Rewards Category — Dining · 4.00 mpd58%
Preferred Rewards Category — Travel · 4.00 mpd20%
Everything else · 0.40 mpd23%

Cycle	Spend	UNI$	Total rewards · miles	Highest tier	Rate	Wasted
1 Aug – 31 Aug	S$660.20	1,310 *	2,620	100%	3.97 mpd	—
1 Jul – 31 Jul	S$489.35	965 *	1,930	100%	3.94 mpd	—
1 Jun – 30 Jun	S$1,884.41	2,424 *	4,848	61%	2.57 mpd	S$743.89
1 May – 31 May	S$1,656.18	1,983 *	3,966	56%	2.39 mpd	S$730.21
1 Apr – 30 Apr	S$551.92	1,096 *	2,192	100%	3.97 mpd	—
1 Mar – 31 Mar	S$405.88	808 *	1,616	100%	3.98 mpd	—
1 Feb – 28 Feb	S$805.74	1,409 *	2,818	87%	3.50 mpd	S$106.52
1 Jan – 31 Jan	S$2,051.68	2,870 *	5,740	67%	2.80 mpd	S$681.04
1 Dec – 31 Dec	S$1,119.63	1,569 *	3,138	67%	2.80 mpd	S$369.63
1 Nov – 30 Nov	S$707.68	1,244 *	2,488	88%	3.52 mpd	S$85.47
1 Oct – 31 Oct	S$966.15	1,707 *	3,414	88%	3.53 mpd	S$114.07
1 Sep – 30 Sep	S$1,987.12	2,943 *	5,886	71%	2.96 mpd	S$567.08
1 Aug – 31 Aug	S$1,103.89	2,177 *	4,354	99%	3.94 mpd	S$12.32
1 Jul – 31 Jul	S$960.80	1,678 *	3,356	87%	3.49 mpd	S$128.16
1 Jun – 30 Jun	S$880.04	1,518 *	3,036	85%	3.45 mpd	S$130.04
1 May – 31 May	S$71.53	139 *	278	100%	3.89 mpd	—

Rate is total rewards over every dollar spent, so it moves with the “earned on” column rather than because the card changed. A figure marked * has no statement yet and is what we compute.

Where this cycle went

dining57%
travel_hotel43%

Spend, last six months

Average S$997.55 over 5 months, excluding the month still running

Transactions

MCC marked ≈ is inferred from the merchant name rather than supplied by the bank. “≈ unused” means the inference was not confident enough to unlock a bonus, and “✓ yours” is one you recorded.

Record an MCC for a merchant

If your bank's app shows the real MCC, put it here. It outranks any inference but never the code the bank printed on the statement.

remember for this merchant

LADY MS$60.93
2 Jun → 4 Jundining5812contactlessearlier · 1 Jun
12 UNI$0.20/$preferred:dining▸▾
A POKE THEORYS$37.28
3 Jun → 4 Jundining5814 ✓contactlessearlier · 1 Jun
7 UNI$0.19/$preferred:dining▸▾
PARADISE GROUPS$64.98
29 May → 30 Maydining5812contactlessearlier · 1 May
12 UNI$0.18/$base▸▾
AVANA RETREAT IN MAI CHAU VIETNAMS$102.78
29 May → 30 Maydining5812contactlessearlier · 1 May
20 UNI$0.19/$base▸▾
PARADISE GROUPS$14.36
28 May → 29 Maydining5812contactlessearlier · 1 May
2 UNI$0.14/$base▸▾
PAPI'S TACOSS$8.53
26 May → 28 Maydining5814contactlessearlier · 1 May
1 UNI$0.12/$base▸▾
TONO IZAKAYAS$148.40
27 May → 28 Maydining5812contactlessearlier · 1 May
29 UNI$0.20/$base▸▾
ALEGRIAS$155.26
24 May → 26 Maydining5812contactlessearlier · 1 May
31 UNI$0.20/$base▸▾
UBER EATSS$141.29
22 May → 23 Maydining5812 ≈contactlessearlier · 1 May
27 UNI$0.19/$preferred:dining → base▸▾
YOLES$11.22
20 May → 21 Maydining5814 ✓contactlessearlier · 1 May
2 UNI$0.18/$preferred:dining▸▾
CASA BRAZILIAS$47.49
17 May → 19 Maydining5812contactlessearlier · 1 May
9 UNI$0.19/$preferred:dining▸▾
THE MANGO TREES$11.48
18 May → 19 Maydining5814 ✓contactlessearlier · 1 May
2 UNI$0.17/$preferred:dining▸▾
PARADISE GROUPS$24.09
18 May → 19 Maydining5812contactlessearlier · 1 May
4 UNI$0.17/$preferred:dining▸▾
MERIDIAN AIRS$175.97
16 May → 18 Maytravel_air3075 ✓contactlessearlier · 1 May
35 UNI$0.20/$preferred:travel▸▾
ECLIPSE BY BDCS$48.96
15 May → 16 Maydining5812contactlessearlier · 1 May
9 UNI$0.18/$preferred:dining▸▾
GIRO PAYMENT+S$544.61
15 Mayotherearlier · 1 Maynot_a_purchase
0 UNI$▸▾
BEE CHENG HIANG ONLINES$19.23
13 May → 14 Maydining5814contactlessearlier · 1 May
3 UNI$0.16/$preferred:dining▸▾
YOSHINOYAS$12.80
12 May → 13 Maydining5814contactlessearlier · 1 May
2 UNI$0.16/$preferred:dining▸▾
FARTTARTZS$215.36
10 May → 11 Maydining5812contactlessearlier · 1 May
43 UNI$0.20/$preferred:dining▸▾
AMAZIN' GRAZES$122.60
8 May → 9 Maygroceries5411contactlessearlier · 1 May
24 UNI$0.20/$base▸▾

Card facts

Counted by	Posting date — the day it reached the bank, not the day you paid	Cycle	Calendar month, monthly
Points Validity	2 years	Annual Fee	S$414.20
Min. Transfer	5,000 UNI$ (10,000 miles)	Transfer Partners	3 (KrisFlyer, Asia Miles, AirAsia)
FCY Fee	3.25%	Transfer Fee	S$27 per conversion
Local Earn	0.4 mpd	Points Pool?	Yes
FCY Earn	0.4 mpd	Special Earn	4 mpd on two Preferred Rewards Categories you choose*

* Each chosen category has its own S$750 monthly sub-cap since 1 August 2025. Categories must be re-registered each quarter.

How this card earns

Tier	Rate	Cap
Preferred Rewards Category — Travel	4.00 mpd	S$750.00 of spend
Preferred Rewards Category — Dining	4.00 mpd	S$750.00 of spend
Everything else	0.40 mpd	uncapped

UNI$ → miles · 5,000 minimum transfer · S$27.00 fee · expires after 24 months

Rule notes and caveats

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)".

Product

Approved oni

Not printed on a statement. Yours first appears on the statement to 24 Jun, so it was approved on or before then.Leave it blank if you are not sure. A wrong date is worse than none — an expiry predicted from a guess would read as fact.

Usually paid by

Neither statements nor most app screens print how a payment was made, so most rows arrive with no channel at all. Nothing is assumed unless you say so here — assuming online by default made this card pay 4 mpd on restaurant dinners and six statements read up to 54% above what the bank actually paid. Set it only where it is true of the card. A channel you set on a single transaction always wins, and so does one worked backwards from a statement's printed reward total — that is arithmetic on what the bank actually paid, and this is a habit.“Only rows no statement has claimed” keeps the assumption to the cycle nothing else can speak for — app screenshots of spend the statement has not reached yet. When that statement arrives it supersedes those rows and the assumption is taken back off them, leaving the printed reward total to settle the channel. Use it on a card that prints one; use “every row” on a card where the habit is simply true of how you pay.

Cycle

Read off your statement where one has been imported. Only used by cards billed on a statement cycle rather than a calendar month.

Add from a screenshot

The current cycle has no statement yet, so nothing else can tell you how close you are to a minimum or a cap. Screenshot the transaction list in your banking app and upload it here — several consecutive scrolls are fine, in order.A points balance or expiry schedule works too — the yuu app's home and Expiring Points screens are read as readily as a transaction list. Reading them takes about half a minute per image: they go through the local model one at a time, so the page will sit still for a while. It is working.

10 Aug · 1 image · 2 rows read · images not kept for this upload

Read on this machine by the local model — the images are never uploaded anywhere else. Rows land marked as coming from a screenshot, and the statement replaces them when it arrives rather than adding to them.

Statements

2026-07-24
eStatement UOB Jul 26.pdf
coordinatenot kept
2026-06-24
uob.pdf
coordinatenot kept
2026-05-24
UOB may 26.pdf
coordinatenot kept
2026-04-24
eStatement Apr 26.pdf
coordinatenot kept
2026-03-24
eStatement Mar 26.pdf
coordinatenot kept
2026-02-24
eStatement Feb 26.pdf
coordinatenot kept
2026-01-25
eStatement jan 26.pdf
coordinatenot kept
2025-12-25
eStatement UOB Dec 25.pdf
coordinatenot kept
2025-11-24
UOB Nov 25.pdf
coordinatenot kept
2025-10-24
UOB Oct 25.pdf
coordinatenot kept
2025-09-24
UOB Sep 25.pdf
coordinatenot kept
2025-08-24
UOB Aug 25.pdf
coordinatenot kept
2025-07-24
UOB Jul 25.pdf
coordinatenot kept
2025-06-24
UOB Jun 25.pdf
coordinatenot kept

The original PDFs, kept so you can check any figure here against the document it came from.

Terms and conditions

The documents this card's rules were written from, kept as downloaded. A T&C is revised in place — the page a rate was read off in March may say something else today and nothing here would change — so what is linked is OUR copy, with the date the issuer printed on it.

Issuer terms · tiers[preferred].cap.qualifying_spend_cents
https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf
issuer updated 1 Augdownloaded 30 Jul
not archived235 KB
Commentary · tiers[preferred].cap.qualifying_spend_cents
https://milelion.com/2025/10/31/complete-faqs-uob-ladys-ladys-solitaire-card/
not archived

Commentary is linked but deliberately not archived — it is someone else's writing, and a local copy of it is neither ours to keep nor evidence of anything. Refresh with npx tsx scripts/fetch-terms.ts --all.