UOB Lady's Platinum MasterCard

UOB Lady’s Platinum MasterCard unlocks a rich new world of exclusive benefits and great discounts on fashion, beauty and wellness, groceries, and travel.

UOB Lady's Platinum MasterCard5x UNIRM on groceries spend
Min. Income
RM4,000/month
Annual Fee
RM128
Cashback
No
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 10X UNIRinggit for fashion spends at your favourite stores and online. Groceries and overseas spends at stores and online can get you 5X UNIRinggit as well!

UNIRinggit Reward Points
EarnSpend
10 points on every RM1on fashion spending
5 points on every RM1on groceries spending
5 points on every RM1on overseas spending using foreign currencies

Premium

Get Female Cancer Coverage of up to RM200,000 for six types of female cancers with UOB Lady's Savings Account. Don't miss the chance! Terms apply.

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 low interest rates.

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 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 Instalment Payment Plan.

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
UOB Instalment Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
12 months0% p.a. and no one-time upfront handling feeRM1,000
18 months0% p.a. and no one-time upfront handling feeRM1,000
24 months0% p.a. and no one-time upfront handling feeRM1,000
36 months0% p.a. and no one-time upfront handling feeRM1,000
Learn more about UOB Instalment Payment Plan

Fees & Charges

Annual Fee
  • RM128 primary card
  • 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
payWave

Requirements

Minimum Annual Income
RM48,000
Minimum Age
  • 21 years old primary card
Who can apply
  • Women Only

Features

Easy Payment Plan
UOB Lady’s LuxePay Easi Payment Plan
Convert your luxury purchases of watches, jewelleries, shoes, or bag or foreign currency spends into UOB Easi Pay Instalments at 0% interest.
UOB Instalment Payment Plan
Shop your desired items with UOB 0% Instalment Payment Plan when you shop at any UOB 0% IPP merchant outlets!
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

The credit card that every shopaholic can relate to and confess to, is the UOB Lady's Platinum MasterCard. 

Designed for independent women who make RM48,000 per year. Enjoy a wide array of beauty, fashion, dining and shopping privileges as well as cash rebates.

UOB Lady's Platinum MasterCard - Earn UNIRinggit on Fashion, Grocery & Other Spend

Enjoy up to 10x UNIRinggit points when you shop with UOB Lady's Platinum Mastercard.

Spend CategoryUNIRinggit PointsMonthly Cap (Points)
Fashion (retail stores and online)10x8,000
Grocery (retail stores and online)5x8,000
Overseas using foreign currencies (retail stores and online)5x-

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 storefronts when you are out shopping because this privilege only applies to the participating outlets. 

For every RM1 charged to your UOB Preferred Platinum MasterCard, you earn 1 SMART$ Rebate.

0% EPP on Overseas Spending with UOB Lady's Platinum MasterCard

Malaysia may have the most shopping malls in the Asian region, if not the world, but this credit card for ladies doesn't limit your shopping appetite. 

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 UOB Lady's Platinum MasterCard in Singapore, Bangkok, Uncle Sam, or London, then call UOB Call Center to convert the purchases into an affordable instalment.

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