UOB Lady's MasterCard

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

15% p.a. interest rate
20 days interest-free period
up to 10% cashback
0% p.a. balance transfer over 18 months
Easy Payment Plan (EPP)
RM68.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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2018-10-192019-01-31

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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 weekend, capped at RM30 per month. Not valid for online purchases.

Discover how much you can save when you shop with your new UOB Lady's MasterCard
Cashback Category		Cashback Rate	Monthly Cap	Spend
Fashion Ten	Spendfrom RM300 and above monthly on weekends only	10%	RM30	from 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 Over	With Interest Rate At	When You Transfer
6 months	0% p.a. and 3% one-time upfront handling fee	from RM1000
12 months	0% p.a. and 4% one-time upfront handling fee	from RM1000
18 months	0% p.a. and 5% one-time upfront handling fee	from RM1000

Learn more about UOB Balance Transfer

Pay Over	With Interest Rate At	When You Transfer
6 months	3.3% p.a. and no one-time upfront handling fee	from RM1000
12 months	6% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plan (EPP)

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 2.99% for other purchases via UOB Easi-Payment Plan

Pay Over	With Interest Rate At	When You Spend
12 months	0% p.a. and no one-time upfront handling fee	from RM1000
18 months	0% p.a. and no one-time upfront handling fee	from RM1000
24 months	0% p.a. and no one-time upfront handling fee	from RM1000
36 months	0% p.a. and no one-time upfront handling fee	from RM1000

Learn more about UOB Instalment Payment Plan

Pay Over	With Interest Rate At	When You Spend
6 months	0% p.a. and no one-time upfront handling fee	from RM2000
12 months	0% p.a. and no one-time upfront handling fee	from 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 rewards you for having a trendy style. UOB Lady's MasterCard gives 10% cashback on Fashion item with a minimum spend of RM300, every

This cashback is capped at RM80 every month, on a first-come, first-served basis only. Plus, all these fashion purchases must be made directly at the store as online purchases are not eligible for 10% cashback.

SMART$ Rebates

The SMART$ Rebate Programme is a unique instant cash rebate program where you can pay any purchases made from selected merchants with SMART Dollar. It is as good as cash.

Watch out for merchants bearing the SMART$ logo at their store fronts when you are out shopping because this privilege only applies to participating outlets. For every RM1 charged to your UOB Preferred Platinum MasterCard, you earn 1 SMART$ Rebate.

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.