UOB Lady's MasterCard credit card

UOB Lady's MasterCard

UOB Lady’s MasterCard offers great discounts on beauty and wellness, shopping, dining, and travel. Made especially for the savvy modern woman.

  • 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)
  • RM72.08 annual fee
  • Earn up to 3x reward points 

Apply online now for UOB Lady's MasterCard

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Because you should be rewarded for giving the bank your business

Get 10% cash back whenever you do your grocery shopping at Cold Storage, Jaya Grocer, Tesco and Giant. Additionally, enjoy SMART$ Cash Rebates of up to 10% when you shop at participating merchants - these SMART$ Cash Rebates can then be redeemed on future purchases!
Discover how much you can save when you shop with your new UOB Lady's MasterCard
Cashback CategoryCashback RateMonthly CapSpend
GroceriesSpendany amount monthly10%RM30any amount monthly
Get UniRinggit Rewards every time you charge purchases to your card. Every 1 Ringgit you spend will earn you 3X UniRinggit Reward Point everyday. There's a host of amazing gifts to choose from in the UOB Catalogue. The UNIRinggit will have a 3-year expiry from the date that it was earned!
UOB UniRinggit Rewards
3 points on every RM1at deparmental stores
Your UOB UniRinggit Rewards earned expires in  3 years
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 with interest rates as low as 3.3%.
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)
Convert your shopping to Easi Pay Instalments. Any purchase of shoes or bags worth RM2000 or more can be converted into a 6-month or 12-month Easi Pay Instalments at 0% interest.
Pay OverWith Interest Rate AtWhen You Spend
6 months2% one-time upfront handling feefrom RM500 
12 months3% one-time upfront handling feefrom RM500 
18 months4% one-time upfront handling feefrom RM500 
Learn more about UOB Easi-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
Earn 1% SMART$ rebate at all BHPetrol stations with monthly transaction cap at RM400.
Free travel insurance when you charge your full travel arrangements to your new UOB credit card plus exclusive privileges for hotels and restaurants all over Malaysia!
Are you a woman about town? Exclusive promotions on beauty, wellness, fashion, entertainment and more all year round.

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

*inclusive of 6% GST


Are you eligible for this credit card?

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


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

Easy Payment Plan
UOB Easi-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!

3x UNIRinggit Points

Earn 3x the reward points with your UOB Lady’s MasterCard whenever you shop at participating department stores. That’s triple your UniRinggit points – which can be utilise to redeem a variety of products including bags, household items, home appliances and more. 

To enjoy the benefits of this exclusive programme, indulge your shopping at any major department stores such as AEON, Parkson, Isetan, Metrojaya, SOGO, and Robinsons.

UOB Luxe Pay Plan

Exclusive for UOB Lady credit cardholders, the UOB Luxe Pay Plan lets you bask in the glorious golden glow of luxury and lustrous sterling silver when you spend more than RM2000 on jewellery, designer shoes, bags, and watches. 

You can later convert your purchases into 6-month or 12-month instalment plan at absolutely zero interest!

10% Cash Back

Receive exciting and exclusive deals only for UOB Lady's MasterCard card members. Get 10% cash back whenever you do your grocery shopping at Cold Storage, Tesco, Giant or Jaya Grocer within the promotional period. 

Note however that this cashback promotion does not include grocery purchases made online.

SMART$ Rebates

The SMART$ Programme is a unique instant cash rebate programme only applicable to UOB Credit or Debit Cards. Every one SMART$ point earned is equivalent to RM1. SMART$ is as good as cash!

Where do you need to spend to get your SMART$ points? Participating outlets include Timberland, BHPetrol, GSC, and more! Just look for the SMART$ logo at participating SMART$ merchants’ outlets when you are out shopping - you can redeem them whenever you make another purchase at your favourite SMART$ outlet.

True Fitness

Get complimentary access and other freebies from True Fitness with your UOB Lady’s MasterCard. With True Fitness Installment Payment Plan, you can also convert your gym membership fees into 12 or 24-months payment plans at 0% interest. 

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