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Due to the 1 Aug 2025 nerf to the UOB Lady’s Solitaire—lowering its monthly bonus cap from S$2,000 to S$1,500, and splitting it into S$750 per category—the regular UOB Lady’s Card may now be more attractive.
Key Comparisons:
| Feature | Lady’s Card | Lady’s Solitaire |
|---|---|---|
| Bonus Categories | 1 | 2 |
| Monthly Bonus Cap | S$1,000 | S$750/category (S$1,500 total) |
| Minimum Income | S$30,000 p.a. | S$120,000 p.a. |
| Annual Fee | S$196.20 | S$414.20 |
Downgrade If:
- You prefer simplicity and tracking one bonus category
- You’re a single-category spender (e.g., travel)
- You can’t fully utilize both categories each month
Alternatives:
- Metal Solitaire card retains the old S$2,000 flexible cap, but it’s invite-only with a S$589.99 non-waivable fee and high spend requirement.
Logistics:
- No fee refunds on downgrade
- Must re-select bonus category
- Bonus cap changes apply next month
Bottom Line: If you mainly use one bonus category or find tracking two limits tedious, downgrading to the UOB Lady’s Card makes sense.
Opinion :
Interesting development.
Sticking with trio of UOB cards combo, Lady/Prvi/PPV.
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