UOB Lady's Card

An exclusive ladies-only credit card that rewards you with up to 10X UNIRinggit reward points for fashion and grocery spending. Plus, 0% EPP for luxury item purchases for you to enjoy!

UOB Lady's Card5X UNIRM on groceries spend
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
No
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Get a FREE
Cash Via DuitNow
worth RM2800
when you apply through RinggitPlus *

Cash Via DuitNow

Our Previous Winners

Rewards

Get rewarded with 10X UNIRinggit points for your fashion spend at retail stores and online, including 5X UNIRinggit points for grocery spending. The accumulated UNIRinggit points can be redeemed with gifts, vouchers, etc. via the UOB UNIRinggit Rewards catalogue or even offset selected purchases by paying with UNIRinggit points which is accessible through the UOB TMRW mobile app.

UOB UNIRinggit
EarnSpend
10 points on every RM1on fashion spending at retail shops or online
5 points on every RM1on groceries spending made at the stores or online

Balance Transfer

Are you still paying the maximum 18% per annum on your credit card bills each month? Transfer your debt now to a low-interest card with UOB Balance Transfer.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 3%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 5%one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a. and 2.68%one-time upfront handling feefrom RM1,000
12 months0% p.a. and 3.68%one-time upfront handling feefrom RM1,000
18 months0% p.a. and 4.68%one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plans

Convert your luxury purchases to the UOB LuxePay Easi-Payment Plan to enjoy a 0% instalment between 6 or 12 months - just make a minimum transaction of RM2,000 or more in a single receipt to convert.

UOB Lady’s LuxePay Easi Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feeRM2,000
12 months0% p.a. and no one-time upfront handling feeRM2,000
Learn more about UOB Lady’s LuxePay Easi Payment Plan

Fees & Charges

Annual Fee
  • RM68 primary card

    Waived when eligible cardmembers whose application is submitted during the Campaign Period and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver

  • RM30 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Women Only

Features

Easy Payment Plan
UOB Lady’s LuxePay Easi Payment Plan
Convert your luxury purchases of watches, jewellery, shoes, designer bags or any health and beauty spending into UOB LuxePay Instalments at 0% interest.
Balance Transfer Plans
UOB Balance Transfer
Enjoy flexible repayments with UOB. With a minimum payment of 5% of the outstanding amount each month you call the shots as you pay off your debts.
UOB Fixed-Pay Balance Transfer
With UOB Fixed-Pay Balance Transfer you pay the same instalments every month for 6, 12 or 18 months. Manage your mounting credit card debts now!

Review

Chic, slick, and gorgeous. The UOB Lady’s Card is your membership card to an exclusive lifestyle, where no men are allowed. Ladies only, please!

Get up to 10X UNIRinggit points with UOB Lady's Card

A credit card designed for a true shopaholic that rewards you for having a trendy style. 

Spend Category UNIRinggit Points Monthly Cap (Points)
Fashion transactions (retail shops and online) 10x Lady's Classic Card: 8,000
Lady's Platinum Card: 15,000
Maximum 20,000,000 UNIRM per month for the total Lady's cardmember base (inclusive of UOB Lady's Solitaire Card)

*based on a first-come, first-served basis
*more details in the T&C
Grocery transactions (stores and online) 5x Lady's Classic Card: 8,000
Lady's Platinum Card: 15,000
Maximum 20,000,000 UNIRM per month for the total Lady's cardmember base (inclusive of UOB Lady's Solitaire Card)

*based on a first-come, first-served basis
*more details in the T&C

0% LuxePay Easi-Payment Plan on luxury purchases

If you have your eyes on that designer-labelled bag and don't want to exhaust your pocket too much, you can easily convert them into 0% instalments instead with UOB's LuxePay Easi-Payment Plan.

Spending on your yearly facial and spa also can be converted into easy instalments! Check out the table below for more information:

Spend Category Minimum Conversion Amount Repayment Tenure
Fashion designer labels (bags, watches and jewellery) RM2,000 in a single receipt 6-month
12-month
Health and beauty (facial, spa and health practitioners) RM2,000 in a single receipt
RM4,000 in a single receipt
6-month
12-month

What are the annual fees and the eligibility criteria for the UOB Lady's Card?

UOB Lady's Classic Card UOB Lady's Platinum Card
Annual fee:
RM68 for the principal/primary card
RM30 for the supplementary card

*No annual fee waiver
Annual fee:
RM128 for the principal/primary card
RM30 for the supplementary card

*No annual fee waiver
Annual income:
RM24,000/RM2,000 per month
Annual income:
RM48,000/RM4,000 per month

The annual fee for the UOB Lady's Classic Card is RM68 for the primary card and RM30 for the supplementary card(s). Any woman at least at the age of 21 years with an annual income of RM24,000 or RM2,000 monthly is eligible to apply for a UOB Lady's Classic Card.

Meanwhile, if you're up for more elevated credit card features and benefits and you're earning at least RM48,000 annually or RM4,000 per month, you might be eligible to apply for UOB Lady's Platinum Card instead, subject to UOB Malaysia's T&C (please reach out to the bank if you require assistance). The Platinum version comes with an annual fee of RM128 for the primary card, and RM30 for the supplementary card.

Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 3-year annual fee waiver. Check our page to find out more about the flash deal.

List of required documents to apply for UOB Lady's Card

If you are a salaried employee, please prepare:

  • A copy of your IC (both sides)
  • Latest 3 months' salary slips OR the latest EPF statement
  • Latest 6 months' bank statements
  • Latest BE form with an official tax receipt

If you are self-employed, please prepare:

  • A copy of your IC (both sides)
  • A copy of Form 9, 24 & 49 OR Business Registration Certificate
  • Latest 6 months' company bank statements
  • Latest B form with an official tax receipt
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