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 Card10X UNIRM on fashion spend
Min. Income
RM5,000/month
Annual Fee
Free*
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

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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

Feeling weighed down by credit card bills? With UOB Balance Transfer, new UOB credit card holders can enjoy 0% one-time upfront handling fees for 6 months and 1% for 12 months. Additionally, the UOB Balance Transfer Instalment offers fixed interest rates of 2.99% p.a. for new cardholders, with repayment tenures of 24 or 36 months. Enjoy these rates with a minimum transfer of RM1,000 or up to 80% of your credit/available limit, whichever is lower.

Pay OverWith Interest Rate AtWhen You Transfer
6 months0% p.a.and no one-time upfront handling feefrom RM1,000
6 months0% p.a. and 3% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 1% one-time upfront handling feefrom RM1,000
12 months0% p.a. and 4% one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer
Pay OverWith Interest Rate AtWhen You Transfer
24 months2.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months2.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
48 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
60 months6.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about UOB Balance Transfer Instalment

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
  • RM128 primary card

    Waived when you spend a minimum of RM20,000 per annum* and enjoy UOB Lady's Platinum Card privileges without the annual fee (effective 1 January 2026). *Total spend is calculated from the 1-year period before your UOB Lady's Platinum Card annual fee is charged

  • 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
RM60,000
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
Get flexible repayments with UOB and enjoy 0% one-time upfront handling fees for a 6-month tenure, or 1% for 12 months, exclusively for new UOB credit cardholders.
UOB Balance Transfer Instalment
With the UOB Balance Transfer Instalment, you pay the same instalments every month for up to 60 months. Manage your mounting credit card debts now and enjoy fixed 2.99% p.a. interest for new cardholders while existing cardholders get as low as 5.99% p.a. interest.

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 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 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?

The annual fee for the UOB Lady's Card is RM128 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 RM60,000 or RM5,000 monthly is eligible to apply.

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 3 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 Business Registration Certificate
  • Latest 6 months company bank statements
  • Latest B form with an official tax receipt

For foreigners, please prepare the documents below.

Salaried employee:

  • Copy of Passport and
  • Latest 2 months' salary slip**
  • Work permit valid for at least one (1) year at the time of application and
  • Letter of employment

**Number of months of salary slip required will depend on the job nature of applicants

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