Guide: Managing Your UOB Lady’s Card Categories
At an unbeatable 6 miles per dollar earn rate, the UOB Lady’s Card is perhaps the top card to use for collecting miles – at least until 29th February 2024. The catch, however, is that you only get the high earn rate on categories which you select before each calendar quarter.
Choosing your category
When you first apply for the UOB Lady’s Card, you can choose one of the following categories:
| Categories | Merchant Category Codes (MCC) |
| Beauty and Wellness | 5912, 5977, 7230, 7231, 7297, 7298 |
| Dining | 5811, 5812, 5814, 5499 |
| Entertainment | 5813, 7832, 7922 |
| Family | 5411, 5641 |
| Fashion | 5311, 5611, 5621, 5631, 5651, 5661, 5655, 5691, 5699, 5948 |
| Transport | 4111, 4121, 4789, 5541, 5542 |
| Travel | Credit card retail transaction(s) made at major airlines and/or hotels with their main business activity classified as flights and/or hotels only. (including card-not-present transactions like ecommerce/mail/phone order transactions) |
For UOB Lady’s Solitaire Card, you may select 2 categories.
The categories take immediate effect after card approval. Here’s how you can look up the MCC of the place you are spending at.
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Changing your category
You may change your category for the next calendar quarter. The 4 calendar quarters in a year are:
- Q1: January, February, March
- Q2: April, May, June
- Q3: July, August, September
- Q4: October, November, December
For example, if you changed your category in November 2023, the change will take effect on 1st January 2024.
You have until 11.59PM of the last day of each calendar quarter to change your category for the next quarter. 11.59PM 31st December 2023 would be the cut-off time to change for Q1 2024. If you forget and change it only on 1st January 2024, you have to wait until 1st April 2024 for the new selection to take effect.
To change your category, fill out this form. There is no need to fill out the form if you wish to maintain the same category. If you fill the form multiple times, the category chosen will be the choice indicated in the latest form filled.
Checking your category
Forgot what you picked? Use UOB Chat Assist to ask a customer service representative what your category is:
The service is available between 8AM to 8PM daily.
UOB should really display the category into their mobile app, but I suppose this works reasonably well enough.
Conclusion
With the 6 miles per dollar earn rate slated to end on 29th February 2024, remember to pick the right categories for Q1 of 2024 for the last couple of months left for this excellent earn rate.
Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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