UOB Lady's Platinum MasterCard credit card

UOB Lady's Platinum MasterCard

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

  • 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)
  • RM128.00 annual fee

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Benefits

Because you should be rewarded for giving the bank your business

Cashback
Make a minimum spend of RM500 at your favorite fashion brand every weekend and Wednesday and get 10% cashback, capped at RM50 per month.
Discover how much you can save when you shop with your new UOB Lady's Platinum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
Fashion TenSpendfrom RM500 and above monthly on weekends only10%RM50from RM500 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 with low interest rates.
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
RM128.00
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
RM48000
Minimum age for primary card holder
21 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 Platinum MasterCard review

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

The credit card that every shopaholic can relate and confess to, 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.

10% Fashion Cashback

Not 1% or 0.1% but 10% cashback on your fashion purchases with every swipe of UOB Lady's Platinum MasterCard. This extra generous cashback is rewarded to you when you shop for your fashion items every weekend and Wednesdays of the week!

Just charge a minimum of RM500 to your Lady's Platinum MasterCard on Saturdays, Sundays and Wednesdays to enjoy a maximum RM50 cashback per month. 

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 Platinum 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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