
UOB Lady's Card

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 |
Minimum monthly income | RM 5,000 |
Minimum age: | |
Cardholder | 21 |
Supplementary Cardholder | 18 |
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. |
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. |
You will need to provide several documents such as (varies between different banks):
Salaried Employees
Self-Employed