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UOB Bank
UOB Lady's Card

UOB Lady's Card

RM 5,000

Minimum monthly income

RM 128

Annual fee
New To Bank customers get their first year's annual fee waived (campaign ends 31 December 2025).

15%

Interest rate p.a

0%

Balance transfer rate (fixed)

Special Offers

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Terms and Conditions Apply

Product details

Benefits

Features and Benefits: UOB Lady's Card UNIRM Points


UNIRinggit Rewards Points Spend Categories Capped Amount/Conditions
10X UNIRM points per RM1
Fashion spend (online or in-store)
Lady's Platinum Card: 15,000 UNIRM per month

Maximum 20,000,000 UNIRM per month for the total Lady's cardmember base (inclusive of UOB Lady's Solitaire Card)
5X UNIRM points per RM1
Grocery purchases at supermarkets and hypermarkets (online or in-store) Lady's Platinum Card: 15,000 UNIRM per month

Maximum 20,000,000 UNIRM per month for the total Lady's cardmember base (inclusive of UOB Lady's Solitaire Card)
1X UNIRM points per RM1
All other retail spend None
Features
Good for Rewards/Offers
10x UNIRM for every RM1 spent on fashion purchases (online or in-store)
5x UNIRM for every RM1 spent on grocery purchases at supermarkets and hypermarkets (online or in-store)
1X UNIRM points on all other retail spend
Convert eligible Education, Medical, Luxury Purchases, Travel Spend, and Overseas Transactions into a 0% interest installment plan, with minimum spending requirements of RM10,000 for 12 months or RM3,000 for 3 months, depending on the category (T&Cs apply)
Eligibility
Minimum monthly income RM 5,000
Minimum age:
Cardholder 21
Supplementary Cardholder 18
Fees & Charges
Annual fee RM 128
RM30 for Supplementary Cardholder(s)
Annual fee waiver Yes
New To Bank customers get their first year's annual fee waived (campaign ends 31 December 2025).
Late payment fee RM 10/1%
1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100)
Interest rate 15%
For cardmembers who promptly settle Minimum Payment Due by the respective Payment Due Date for 12 months within the last 12 consecutive months
Balance transfer rate (fixed) 0%
Enjoy zero interest with one-time upfront handling fees starting from 0% for 6 months and 1% for 12 months. The minimum transfer amount is RM1,000.
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employees

  • - Photocopy of NRIC (both sides)
  • - Latest 3 months' salary slips, AND any of the following
  • - Latest EPF statement
  • - Latest Form B/BE with tax payment receipt
  • - Latest 3 months' bank statement
  • - Latest Form BE with tax receipt

Self-Employed

  • - Photocopy of NRIC (both sides)
  • - Latest Form BE with tax receipt
  • - Photocopy of Business Registration Form
  • - Latest 6 months' bank statements (showing business turnover)

Foreigners
  • - Photocopy of passport
  • - Latest 2 months' salary slips
  • - Work permit must be valid for at least 1 year at the time of application
  • - Letter of employment

Click here to read the UOB Lady's Card Terms and Conditions.
Click here to read the UOB Lady's Card Product Disclosure Sheet.

UOB Lady's Card
UOB Lady's Card
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