Fly In Style With UOB Lady’s Credit Card & Savings Account: An Unstoppable Pairing For All Ladies

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In Singapore’s modern workforce today, many ladies are taking on high-level corporate positions. While juggling multiple responsibilities including their job requirements, providing for their loved ones and managing their family commitments, they also need to recharge and take time off for themselves occasionally.

For these ladies, achieving a harmonious work-life balance may include traveling overseas, whether on solo trips or with family and friends. They may also wish to travel in style, which could include flying at a higher cabin class such as premium economy, business class or even first-class flights.

Does enjoying these travel luxuries mean having to break the bank?

Not necessarily. With a few smart strategies, ladies can easily fly in style while maintaining their financial discipline.

Introducing The UOB Lady’s Card

Redeeming miles is a smart way to make holiday travel more affordable. With the right card, you can earn miles for flights and still stick to a financially sound plan.

In other words, it isn’t about spending more; it’s about paying wisely. To help with this, we can pay using credit cards that earn us miles.

One example would be the popular UOB Lady’s Credit Card. The card allows us to earn 10X reward points (UNI$) for every S$5 spent, which is the equivalent of 4 miles per S$1, on our preferred reward categories.

Here’s how it works.

With the UOB Lady’s Credit Card, we can choose our preferred rewards category. Any spending within this category will earn 10X reward points (UNI$) for every S$5 spent (4 miles per S$1), up to a spend cap of S$1,000.

The reward categories that we can choose from are as follows.

• Beauty & Wellness
• Fashion
• Dining
• Family
• Travel
• Transport
• Entertainment

Choose the spending category that aligns most with your lifestyle. This way, you’ll maximise your miles earnings effortlessly.

For example, in the Beauty & Wellness category, we’ll find a variety of participating merchants, such as gyms, pharmacies and more. If we frequently shop at these stores, it’s wise to charge those expenses to our UOB Lady’s Card to earn miles. This strategy works not only for our personal expenses but also for our family’s spending.

By charging $600 of spending in this preferred category each month to the UOB Lady’s Card, we can accumulate 14,400 UNI$ within a year, which can be converted into 28,800 miles.

Not all of us will have the same spending patterns.

Some of us may allocate more of our budget to clothing, while others might prioritise entertainment or dining. The key, regardless of our individual spending habits, is to identify the category where we tend to spend the most and select that as our preferred category.

We can also take a more active approach by adjusting our preferred category each quarter. For example, if we’re planning to refresh our work wardrobes in the coming months, it would make sense to choose Fashion as our preferred category during that period. Later, if we’re planning a vacation, we can switch to the Travel category to earn miles on flights, hotel bookings, and other travel-related expenses that we are going to incur.

This approach allows us the freedom and flexibility to switch up our categories every quarter and, therefore, maximise the miles we earn across different categories throughout the year. By tailoring our category choices to our upcoming expenses, we can ensure we’re earning the most rewards for the purchases we’re already planning to make.

Enjoy An EVEN Higher Miles Earn Rate Of Up To 10 Miles Per S$1 Spent

While earning 4 miles per S$1 on our preferred spending category is already an excellent return, it’s not even the best offer we can get with the UOB Lady’s Credit Card.

By pairing our UOB Lady’s Credit Card with the UOB Lady’s Savings Account , we can unlock higher bonus reward points (UNI$). The amount of bonus reward points (UNI$) we earn is based on the Monthly Average Balance (MAB) in our Lady’s Savings Account.

For example, if we have between S$10,000 and S$49,999 in our Lady’s Savings Account, we earn an additional 5X reward points (UNI$) on every dollar spent using our UOB Lady’s Card. This means instead of earning 4 miles per S$1, we’ll earn 6 miles per S$1.

If our savings fall between S$50,000 and S$99,999, we earn an additional 5X reward points (UNI$), bringing our total to 8 miles per S$1. And if we have S$100,000 or more in our account, we receive an extra 15X reward points (UNI$), allowing us to earn 10 miles per S$1.

For instance, with S$50,000 in our UOB Lady’s Savings Account and a monthly spend of S$600 in our preferred category, we can now accumulate 28,800 UNI$ annually, which translates to approximately 57,600 miles each year.

Based on the current KrisFlyer redemption chart for Singapore Airlines, the miles we earn each year are enough to redeem a round-trip premium economy flight to Hong Kong or Taiwan (53,000 miles), or a round-trip business class flight to Thailand or Vietnam (48,000 miles).

This is an incredible reward considering all we need to do is charge about S$600 a month to our UOB Lady’s Credit Card—on expenses we’re likely to incur anyway—and maintain an average balance of S$50,000 in our Lady’s Savings Account.

Combining The UOB Lady’s Credit Card With The UOB One Account

When we use the UOB Lady’s Credit Card and pair it with the UOB Lady’s Savings Account, we already benefit from a strong miles earn rate.

In addition, if we also have a UOB One Account, the benefits extend even further. Any spending on the UOB Lady’s Credit Card contributes toward the minimum monthly spend of $500 required to qualify for bonus interest of up to 6% p.a. on the savings in our UOB One Account. This means that with every dollar spent on the UOB Lady’s Credit Card, we’re not just earning miles; we’re also boosting the interest we earn on our savings.

Read Also: The Battle For High Interest: Why I Chose To Switch To The UOB One Account

Fly In Style (Without Paying) Through UOB Lady’s Credit Card & Savings Account

As ladies, we would already incur some personal and family expenses each month. Instead of simply paying for these expenses without any rewards, a smarter approach is to earn miles through a card like the UOB Lady’s Credit Card, and further boost our miles by pairing it with the Lady’s Savings Account.

By doing this, we can ensure that our next overseas trip for a well-deserved break can be enjoyed in style—without the need to spend extra on flights and still have an emergency fund in our Lady’s Savings Account. Win-win!

From now till 31 December 2024, receive a pair of Gentle Monster sunglasses when you spend with UOB Lady’s Credit Card or save with UOB Lady’s Savings Account.

Not a UOB Lady’s Savings Account holder yet? Apply online today and get up to S$240 cash. You can also apply for a UOB Lady’s Credit Card here.

T&Cs apply. Insured up to S$100k by SDIC.