Nerfed: UOB Lady’s Solitaire Reduces Monthly Cap, Imposes Category Sub-Limits
After UOB One and UOB Visa Signature, one more card that UOB has decided to nerf is the UOB Lady’s Solitaire. Similar to what was done to UOB Visa Signature, the bank is imposing category sub-limits on the Solitare card, making it impossible to utilise the entire’s month cap in a single category. On top of that, the monthly cap for 4 miles per dollar has been reduced to S$1,500 each month. These changes will take place from 1st August 2025.
For the avoidance of doubt, there is currently no change to the base UOB Lady’s Card and UOB Lady’s Solitaire Metal Card.
Cap reduced to S$1,500 per month
When the change kicks in from August 2025, the overall cap of the card for 4 miles per dollar will go down to S$1,500 per calendar month. This is down from the current S$2,000 which itself was reduced from S$3,000 early last year.
| Time Period | Spend Cap |
|---|---|
| Before 1st April 2024 | S$3,000 per month |
| 1st April 2024 to 31st July 2025 | S$2,000 per month |
| 1st August 2025 onwards | S$1,500 per month |
The earn rate will be a mere 0.4 miles per dollar after the spend cap is reached.
Sub-limits imposed on the 2 selected categories
Perhaps worse than the reduced monthly cap, UOB Lady’s Solitaire is imposing sub-limits on each of the 2 categories selected. Until the change takes place, both categories share the monthly cap of S$2,000 for 4 miles per dollar, which means you can spend all S$2,000 on a single category if you wished, or split the monthly cap however you wish between the 2 categories.
Once the nerf takes effect, not only is the monthly cap reduced, each category will have a spend cap of just S$750. Spend above this cap will only earn 0.4 miles per dollar.
For instance, someone who spends S$1,200 on dining and S$800 on transportation with their UOB Lady’s Solitaire will see the following miles:
| Pre-Nerf | Post-Nerf | |
|---|---|---|
| Dining Spend | S$1,200 at 4 miles per dollar | S$750 at 4 miles per dollar (cap reached) S$450 at 0.4 miles per dollar |
| Transportation Spend | S$800 at 4 miles per dollar | S$750 at 4 miles per dollar (cap reached) S$50 at 0.4 miles per dollar |
| Total Bonus Miles | 8,000 miles (S$2,000 × 4) | 6,200 miles (S$1,500 × 4 + S$500 × 0.4) |
Also applies to UOB Lady’s Savings Account bonus miles
The spend caps will also apply to the bonus given by UOB Lady’s Savings Account.
For instance, someone who maintains S$10,000 in the account will get an earn rate of 6 miles per dollar (4 from card + 2 bonus from account) capped at S$750 per selected category.
I recently analysed whether placing more funds in the UOB Lady’s Savings Account is worth the bonus miles given. With this nerf to the Solitaire card, it is going to be much tougher to extract value at the higher balances.
Summary of Changes
| Pre-Nerf | Post-Nerf | Effective Change | |
|---|---|---|---|
| Category Limit | Shared cap of S$2,000 across both categories | Capped at S$750 per category | Maximum spend cap reduced by S$1,250 |
| Monthly Cap | S$2,000 across both categories | Capped at S$1,500 per month | Maximum monthly spend cap reduced by S$500 |
| Maximum Miles | 8,000 miles (UNI$4,000) | 6,000 miles (UNI$4,800) | Maximum miles reduced by 2,000 each month |
UOB Lady’s and UOB Lady’s Solitaire Metal not affected
To be clear, if you own the base UOB Lady’s card, nothing is changing. You will still get the usual S$1,000 spend cap on your selected category. This means that someone who uses UOB Lady’s for S$1,000 spend on their selected category will get 4,000 miles — more than someone who spends the same S$1,000 within their selected category with UOB Lady’s Solitaire since the 4 miles per dollar will be capped at S$750 of spend. It’s an awkward scenario where the lower-end card is in a way better than the higher-end one that requires a significantly higher income requirement.
On the other end of the spectrum, the highest-end UOB Lady’s Solitaire Metal card will retain the usual earn rates (i.e. S$2,000 spend cap shared across both categories). The invite-only card apparently requires a huge amount of spend to be done on the UOB Lady’s Solitaire — way beyond the card’s spend caps, making the opportunity cost far too high to consider for those concerned about getting miles in a cost-effective manner.
Alternatives
If you’re already using UOB Lady’s Solitaire, you probably won’t be too unfamiliar with UOB Preferred Platinum Visa. That card has somehow dodged UOB’s trigger-happy ban hammer of late, and it is a good supplementary card to turn to in light of the reduced spend caps of the Solitaire card.
The recently buffed HSBC Revolution is also a contender to either supplement or replace UOB Lady’s Solitaire for at least 4 months, provided you can look beyond KrisFlyer miles. It obviously does not earn UOB UNI$, but there are currently no conversion fees, and leftover points are not a concern once you hit at least 10,000 miles worth of points with HSBC.
Downgrading to the base version of UOB Lady’s is also an option, and I imagine this move would make sense for quite a few people depending on their spending habits.
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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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