UOB Lady's Solitaire MasterCard

Asia's premier credit card for the Lady that demands more, and offers exclusive and premium shopping deals all over the world!

UOB Lady's Solitaire MasterCard10x UNIRinggit for fashion spends
Min. Income
Annual Fee
Balance Transfer
From 0% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days

Get a FREE
worth RM219
when you apply through RinggitPlus *


Our Previous Winners


Dedicated to all busy women out there, get rewarded with 10X UNIRinggit for fashion spends at your favourite retail shops and even online. Shopping for groceries can get you 5X UNIRinggit points. For overseas purchases paid in foreign currencies, you can get 5X UNIRinggit as well, be it at retail shops or online.

UNIRinggit Reward Points
10 points on every RM1on fashion spends at retail shops or online
5 points on every RM1on groceries spends at stores or online
5 points on every RM1on overseas spends at retail shops or online in foreign currencies


Charge your flight ticket bill to your Lady's Solitaire MasterCard to qualify for a travel insurance plan that covers death, TPD and travel inconveniences worth RM500,000. Enjoy a purchase protection plan of up to RM30,000 exclusively for Lady's Solitaire cardholders.

Travel CoverageSum Insured
Travel InsuranceUp to RM500,000
Delayed FlightUp to RM1,000
Missed FlightUp to RM1,000
Lost LuggageUp to RM2,000
Delayed LuggageUp to RM1,000


Get Female Cancer Coverage of up to RM200,000 for 6 types of female cancers with UOB Lady's Savings Account.

Balance Transfer

Tired of paying high interest rates on your credit card bills? Get on the UOB Balance Transfer plan with low interest rates from for up to 18 months.

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
48 months0% p.a. and 4.68%one-time upfront handling feefrom RM1,000
Learn more about UOB Fixed-Pay Balance Transfer

Easy Payment Plans

Prioritize your shopping budget with the UOB Lady's LuxePay Easi-Payment Plan, allowing you to afford that coveted fashion designer collection (bags, watches & jewelleries) with an instalment plan of 6 or 12 months at 0% interest.

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
  • RM300 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
Contact-less Payment Methods
MasterCard PayPass


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


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 installments every month for 6 or 12 months. Manage your mounting credit card debts now!


To the iron ladies of corporate, household and elsewhere, introducing the UOB Lady’s Solitaire MasterCard, a premium credit card for your sophisticated purchasing power that is rich with fashion and lifestyle benefits.

UOB Lady's Solitaire MasterCard - Amazing UNIRinggit Points

Work hard, shop smart with UOB Lady's Solitaire MasterCard. 

Spend CategoryUNIRinggit PointsMonthly Cap (Points)
Fashion (retail shops & online)10x20,000
Grocery (stores & online)5x20,000
Overseas (foreign currencies, retail stores & 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 Solitaire MasterCard

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 with UOB Lady's Solitaire MasterCard, you can convert your overseas purchases into a 0% easy payment plan for 3 months.

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.

0% LuxePay Easi-Payment Plan

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 LuxePay.

Spending on your yearly facial and spa also can be converted into easy instalments!

Check out the table below for more information:

Spend CategoryMinimum Conversion AmountRepayment Tenure
Fashion designer labels (bags, watches & jewelleries)RM2,000 in a single receipt6-month
Health & beauty (facial, spa & health practitioners)RM2,000 in a single receipt
RM4,000 in a single receipt

Purchase Protection Plan

Receiving a parcel in poor shape, worst, emptied content is every shopper's worst nightmare. 

Therefore, whenever you swipe UOB Lady's Solitaire MasterCard on your purchases, your parcel will be automatically covered against theft or accidental damage for up to RM30,000 for 30 days.

Free Travel Insurance Coverage from UOB Lady's Solitaire MasterCard

A little outside of the shopping category, but somewhat related to your needs.

Lady's Solitaire MasterCard gives you a peace of mind when you travel abroad as you will be covered from death and TPD up to RM500,000. 

To qualify for this complimentary travel insurance, you just need to charge your travel arrangement to UOB Lady's Solitaire MasterCard. 

This coverage also includes travel inconveniences such as delayed or loss luggage and missed or delayed flight.

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