UOB Lady's Card¶

Institution: UOB

Stored T&C Sources¶

Source	Type	Local copy	Fetched
https://www.uob.com.sg/assets/pdfs/personal/cards/rewardsplus_tnc.pdf?adobe_mc=MCMID%3D48655857412480443313782501083820285435%7CMCAID%3D3148B9FEB64BCB8E-60001EB929CDB55B%7CMCORGID%3D116168F454E6DA2A0A4C98A6%2540AdobeOrg%7CTS%3D1688022717	PDF	`data/card_tnc/uob-lady-s-card/candidate-c62b22f06bfa.pdf`	2026-05-17T15:09:11.086157+00:00
https://www.uob.com.sg/assets/web-resources/personal/pdf/cards/rewards/ladys-card/mastercard-travel-insurance-tncs.pdf	PDF	`data/card_tnc/uob-lady-s-card/candidate-5cebddacc9cc.pdf`	2026-05-17T15:09:02.645862+00:00
https://specials.priceless.com/mastercard/images/aac46a17-04d7-42d7-b097-7de8cb439e7d.pdf	PDF	`data/card_tnc/uob-lady-s-card/candidate-3da80cd38212.pdf`	2026-05-17T15:09:11.689032+00:00
https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf	PDF	`data/card_tnc/uob-lady-s-card/candidate-81f35dee5222.pdf`	2026-05-17T15:09:10.907017+00:00
https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf?	PDF	`data/card_tnc/uob-lady-s-card/candidate-81f35dee5222.pdf`	2026-05-17T15:09:10.760443+00:00
https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf?i_cid=pfs:sg:owned:int:site:na:li:na:na:na-evergreen:direct:na&vid=none	PDF	`data/card_tnc/uob-lady-s-card/candidate-81f35dee5222.pdf`	2026-05-17T15:09:10.510174+00:00

T&C MCC Rules¶

MCC 4829 (mention) Source: https://www.uob.com.sg/assets/pdfs/personal/cards/rewardsplus_tnc.pdf?adobe_mc=MCMID%3D48655857412480443313782501083820285435%7CMCAID%3D3148B9FEB64BCB8E-60001EB929CDB55B%7CMCORGID%3D116168F454E6DA2A0A4C98A6%2540AdobeOrg%7CTS%3D1688022717
MCC 5912 (mention) Source: https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf
MCC 5977 (mention) Source: https://www.uob.com.sg/assets/pdfs/ladys-cards-tcs.pdf

Top Miles Merchants¶

Card	Reward	Cap	Conditions
UOB Lady's Card 049-St17 (Rasapura)	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 1 Gravity	4 mpd	S$1,000	Must select Beauty & Wellness category
UOB Lady's Card 1 Tyrwhitt Bistro Bar	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 1-Altitude Coast	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 1-Arden	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 123 Zo Viet Bbq n Hotpot	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 13% Wine Bistro (Telok Ayer)	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 15 Stamford (The Capitol Kempinski Hotel Singapore)	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 15 Stamford by Alvin Leung	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 1864, Sofitel Singapore City Centre	4 mpd	S$1,000	Must select Entertainment category
UOB Lady's Card 18Chefs	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 19 Marsiling	4 mpd	S$1,000	Must select Family category
UOB Lady's Card 1918 Heritage Bar	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 1983 F&B	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 1doc Bistro Heartbeat@Bedok	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 21 On Rajah	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 25 Degrees Burger, Wine & Liquor Bar	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 27 Mezze Bar & Grill	4 mpd	S$1,000	Must select Dining category
UOB Lady's Card 28 Hongkong Street	4 mpd	S$1,000	Must select Entertainment category
UOB Lady's Card 2am: dessertbar	4 mpd	S$1,000	Must select Dining category

Top Cashback Merchants¶

No reward rows found.

Street Truth / User-Reported Exceptions¶

Lazada: MCC 5262 (exception, user verified, risk: medium)¶

User reported that lazada purchases can code under MCC 5262 (Home Supply Warehouse), which falls outside the UOB Lady's Card 'Shopping' category. Large e-commerce platforms like Lazada, Shopee, Amazon, and Taobao use a pool of unpredictable MCCs.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Lazada
Card	UOB Lady's Card
MCC	5262
Programme	UOB Uni$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2026-06-06
Last seen	2026-06-06T09:31:25+00:00
Observed result	Lazada transaction coded as MCC 5262 and did not qualify for the Shopping category bonus
Public/official layer	UOB Lady's Shopping category covers specific retail MCCs, but excludes MCC 5262
Caveat	E-commerce platforms use multiple MCCs, making bonus point eligibility unpredictable

Klook, KKday, Trip.com: MCC 4722, 7991 (exception, user verified, risk: low)¶

User reported that mCC 7991 (Tourist Attractions and Exhibits) is not classified as Travel under the UOB Lady's Card, but booking the same attractions via Online Travel Agencies (OTAs) like Klook or KKday (which code as MCC 4722) will successfully trigger the Travel category bonus.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Klook, KKday, Trip.com
Card	UOB Lady's Card
MCC	7991, 4722
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Miles / points	4 mpd
Devaluation risk	low
Last verified	2024-10-31
Last seen	2024-10-31T06:23:41+00:00
Observed result	Attraction websites code as MCC 7991 (not travel), but OTAs code as MCC 4722 (travel).
Public/official layer	MCC 4722 is eligible for Travel category; MCC 7991 is not.
Caveat	Booking directly on attraction websites often codes as MCC 7991, which is excluded from the Travel category.

Dining (China): via Alipay (exception, user verified, risk: medium)¶

User reported that uOB Lady's Card linked to Alipay for direct dining charges in China may not award bonus miles, likely due to Alipay masking the MCC.

Field	Value
Status	uncertain
Confidence	medium
Merchant	Dining (China)
Card	UOB Lady's Card
Route	Alipay
Last verified	2026-05-07T09:03:51+00:00
Last seen	2026-05-07T09:03:51+00:00
Observed result	No bonus miles awarded for dining paid via Alipay.
Public/official layer	Dining category should earn bonus miles on UOB Lady's Card.
Caveat	Alipay may mask the underlying MCC, preventing category bonuses.

Agoda: MCC 4722 (exception, user verified, risk: medium)¶

User reported that a user reported not receiving 4 mpd for Agoda (MCC 4722) under the UOB Lady's Card Travel category, with a CSO claiming it falls under Transportation, though T&Cs do not list 4722 under Transportation.

Field	Value
Status	uncertain
Confidence	medium
Merchant	Agoda
Card	UOB Lady's Card
MCC	4722
Last verified	2026-04-16T01:57:06+00:00
Last seen	2026-04-16T02:05:27+00:00
Observed result	User did not receive 4 mpd for Agoda under the Travel category.
Public/official layer	MCC 4722 is typically considered Travel and is not listed under Transportation in the T&Cs.
Caveat	It is unclear if UOB silently changed the category mapping or if the CSO provided incorrect information.

Food truck via Amaze: MCC 5499 (exception, user verified, risk: low)¶

User reported that amaze linked to UOB Lady's Card was declined for a food truck (MCC 5499) despite uplifting security parameters, while Amaze linked to Citi Rewards Mastercard succeeded.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	Food truck
Card	UOB Lady's Card
Route	Amaze
MCC	5499
Devaluation risk	low
Last verified	2026-04-01T07:42:12+00:00
Last seen	2026-04-01T07:42:12+00:00
Observed result	Transaction declined on UOB Lady's but approved on Citi Rewards Mastercard.
Caveat	May be specific to UOB's fraud/security parameters for certain MCCs via Amaze.

Cheers: MCC 5499 (exception, user verified, risk: low)¶

User reported that uOB Lady's Card with the Dining category selected earns bonus miles at Cheers (MCC 5499).

Field	Value
Status	active
Confidence	medium
Source layer	user_reported
Merchant	Cheers
Card	UOB Lady's Card
MCC	5499
Devaluation risk	low
Last seen	2026-03-25T12:08:46+00:00
Observed result	Cheers MCC 5499 successfully triggers the Dining bonus category on UOB Lady's Card.
Caveat	Requires Dining to be selected as the quarterly bonus category.

SPC: MCC 5541, 5542 (exception, user verified, risk: low)¶

User reported that sPC petrol transactions do not earn base UNI$ on UOB cards; bonus UNI$ are only awarded on the UOB Lady's Card if the Transport category is selected, while UOB Visa Signature and Preferred Platinum Visa (PPV) earn no UNI$ at SPC.

Field	Value
Status	active
Confidence	high
Source layer	user_reported
Merchant	SPC
Card	UOB Lady's Card
MCC	5541/5542
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	UNI$
Devaluation risk	low
Last verified	2025-01-05
Last seen	2025-01-05T03:51:12+00:00
Observed result	PPV transaction at SPC on Jan 2 posted on Jan 3 with 0 UNI$. Lady's Card earns bonus UNI$ only if Transport is selected.
Public/official layer	UOB cards generally exclude SPC from base UNI$ earning due to existing SMART$ or petrol discount partnerships.
Caveat	UOB Visa Signature has no bonus UNI$ for SPC, and PPV earns no UNI$ at all for SPC transactions.

Disneyworld resort food court restaurants: MCC 3780, 7996 (exception, user verified, risk: medium)¶

User reported that payments at Disneyworld resort food court restaurants code as MCC 3780 (Hotel/Travel) when using contactless payment, but code as MCC 7996 (Amusement Parks/Entertainment) when using chip insertion.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	Disneyworld resort food court restaurants
Card	UOB Lady's Card
MCC	3780, 7996
Devaluation risk	low
Last seen	2024-11-01T01:55:45+00:00
Observed result	Contactless payment resulted in MCC 3780, while chip payment resulted in MCC 7996.
Caveat	Observed on UOB Lady's Card; users are advised to test with an empty Amaze wallet first.

Disneyworld Resorts: MCC 3780, 7996 (exception, user verified, risk: medium)¶

User reported that disneyworld resort food court transactions can code differently based on payment method: contactless payments code as Hotel MCC 3780 (Travel), while chip insertion codes as Amusement Parks MCC 7996 (Entertainment).

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	Disneyworld Resorts
Card	UOB Lady's Card
MCC	3780, 7996
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2024-11-01
Last seen	2024-11-01T01:55:45+00:00
Observed result	Contactless payment yielded MCC 3780 (Travel) while chip payment yielded MCC 7996 (Entertainment).
Caveat	Observed specifically at Disneyworld food courts; users should test with an empty Amaze wallet first to verify the MCC.

Disneyworld Resort Food Court: MCC 3780, 7996 (exception, user verified, risk: medium)¶

User reported that payments at Disneyworld resort food court restaurants can code under different MCCs depending on the payment method used.

Field	Value
Status	context-dependent
Confidence	medium
Source layer	user_reported
Merchant	Disneyworld Resort Food Court
Card	UOB Lady's Card
MCC	3780, 7996
Programme	UOB UNI$
Programme type	bank_transfer
Points currency	points
Devaluation risk	low
Last verified	2024-11-01
Last seen	2024-11-01T01:55:45+00:00
Observed result	Contactless payment resulted in MCC 3780 (Travel), while chip payment resulted in MCC 7996 (Entertainment).
Caveat	Using contactless payment codes as Hotel MCC 3780 (Travel), while inserting the physical chip codes as Amusement Parks MCC 7996 (Entertainment).