UOB Lady's MasterCard credit card

UOB Lady's MasterCard

An exclusive lady's credit card that gives 10% fashion cashback every Wednesday and weekend, also 0% instalment for 6 or 12 months on luxury items.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 10% cashback
  • 7.77% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM68.00 annual fee

Get Up To 10% Cashback On Selected UOB Cards!

Get Up To 10% Cashback On Selected UOB Cards!


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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Get 10% cashback when you swipe a minimum of RM300 on Fashion items every Wednesday and on weekends, capped at RM30 per month.
Discover how much you can save when you shop with your new UOB Lady's MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Fashion TenSpendfrom RM300 and above monthly on weekends only10%RM30from RM300 and above monthly on weekends only
Balance Transfer
Are you still paying the maximum 18% p.a. on your credit card bills each month? Transfer your debt now to a low interest card with UOB Balance Transfer at low interest rates for up to 18 months.
Pay OverWith Interest Rate AtWhen You Transfer
6 months7.77% p.a. and no one-time upfront handling feefrom RM1000 
12 months7.88% p.a. and no one-time upfront handling feefrom RM1000 
18 months7.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
6 months3.3% p.a. and no one-time upfront handling feefrom RM1000 
12 months6% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Fixed-Pay Balance Transfer
Easy Payment Plan (EPP)
Jewellery, shoes, bags, you name it. Convert your luxury purchases to LuxePay to enjoy 0% instalment between 6 or 12 months - just make a minimum transaction of RM2,000 or more. Or, pay one-time interest as low as 2% for other purchases via UOB Easi-Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feefrom RM1000 
18 months0% p.a. and no one-time upfront handling feefrom RM1000 
24 months0% p.a. and no one-time upfront handling feefrom RM1000 
36 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
6 months0% p.a. and no one-time upfront handling feefrom RM2000 
12 months0% p.a. and no one-time upfront handling feefrom RM2000 
Learn more about UOB Lady’s LuxePay Easi Payment Plan
Premium
Activate and spend on your Lady's MasterCard within 60 days of approval to get a Zalora promo code worth RM25!

Fees & Charges

There are always fees but how much are they?

Annual Fee
RM68.00
Annual Fee for Supplementary Card
RM30.00
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%

Requirements

Are you eligible for this credit card?

Minimum annual income
RM24000
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply
Women Only

Features

Get some extra help from your credit card when you need it most

Easy Payment Plan
UOB Instalment Payment Plan
UOB Lady’s LuxePay Easi Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Balance Transfer
UOB Balance Transfer
UOB Fixed-Pay Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

UOB Lady's MasterCard review

What's so good (or not so good) about it?

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

10% Fashion Cashback

A credit card designed for a true shopaholic that not only lets you spend conveniently, but also rewards you for your great sense of style.  UOB Lady's MasterCard gives 10% cashback on Fashion purchases made every weekend. 

But that's not all, you can also enjoy this generous cashback on all Fashion items every Wednesday too - it's a Lady's day after all.

SMART$ Rebates

The SMART$ Programme is a unique instant cash rebate program only applicable to UOB Credit or Debit Cards. Every 1 SMART$ Rebates earned is equivalent to RM1 spent - it is as good as cash!

To get SMART$ Rebates, spend at any participating outlets with the SMART$ logo at their store front when you are out shopping - you can redeem your next purchases with SMART$ Rebates when you're running out of hard cash.

UOB LuxePay Plan

Woman and fashion is like bread and butter. By understanding that nature, UOB Lady's Card endows you with an exclusive instalment payment plan, known as the UOB LuxePay, so that you can afford the latest trends in handbag, shoes, branded watches etc.

All you need to do is make a minimum purchase of RM2,000 in a single receipt, then later convert your purchases into 6-month or 12-month instalment plan at absolutely 0% interest - no joke!

0% EPP on Overseas Spending

Malaysia may have the most shopping malls in the Asian region, if not the world, but this credit card for Lady doesn't limit your shopping appetite. In fact, when you make retail purchases overseas, you can also enjoy a 0% easy payment plan for 3 months on all your retail purchases. 

Just spend a minimum of RM3,000 on your Lady's MasterCard in Singapore, Bangkok, the Uncle Sam, or London, then call UOB Call Center to convert the purchases into an affordable instalment.

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