UOB Lady's Card
UOB Lady's Card
An exclusive ladies-only credit card that rewards you with up to 10X UNIRinggit reward points for fashion and grocery spending. Plus, 0% EPP for luxury item purchases for you to enjoy!
Get a Touch 'n Go E-Wallet Credit worth RM 300when you apply with CompareHero*
* T&Cs apply
Eligibility
Minimum monthly income
RM 5,000 (RM 60,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Women Only
Document required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest 3 months salary slip
- Latest B/BE Form with official tax receipt
- Latest EPF statement
- Latest 3 months bank statement
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
you're a New To Bank customer for the first year (campaign ends 31 December 2026). and you spend a minimum of RM20,000 per annum* and enjoy UOB Lady's Platinum Card privileges without the annual fee (effective 1 January 2026). *Total spend is calculated from the 1-year period before your UOB Lady's Platinum Card annual fee is charged
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Benefits
- Get rewarded with 10X UNIRinggit points for your fashion spend at retail stores and online, including 5X UNIRinggit points for grocery spending. The accumulated UNIRinggit points can be redeemed with gifts, vouchers, etc. via the UOB UNIRinggit Rewards catalogue or even offset selected purchases by paying with UNIRinggit points which is accessible through the UOB TMRW mobile app.
Product review by CompareHero
Chic, slick, and gorgeous. The UOB Lady’s Card is your membership card to an exclusive lifestyle, where no men are allowed. Ladies only, please!
Get up to 10X UNIRinggit points with UOB Lady's Card
A credit card designed for a true shopaholic that rewards you for having a trendy style.
| Spend Category | UNIRinggit Points | Monthly Cap (Points) |
| Fashion transactions (retail shops and online) | 10x | Lady's Platinum Card: 15,000 Maximum 20,000,000 UNIRM per month for the total Lady's cardmember base (inclusive of UOB Lady's Solitaire Card) *based on a first-come, first-served basis *more details in the T&C |
| Grocery transactions (stores and online) | 5x | Lady's Platinum Card: 15,000 Maximum 20,000,000 UNIRM per month for the total Lady's cardmember base (inclusive of UOB Lady's Solitaire Card) *based on a first-come, first-served basis *more details in the T&C |
0% LuxePay Easi-Payment Plan on luxury purchases
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 UOB's LuxePay Easi-Payment Plan.
Spending on your yearly facial and spa also can be converted into easy instalments! Check out the table below for more information:
| Spend Category | Minimum Conversion Amount | Repayment Tenure |
| Fashion designer labels (bags, watches and jewellery) | RM2,000 in a single receipt |
6-month
12-month |
| Health and beauty (facial, spa and health practitioners) |
RM2,000 in a single receipt
RM4,000 in a single receipt |
6-month
12-month |
What are the annual fees and the eligibility criteria for the UOB Lady's Card?
The annual fee for the UOB Lady's Card is RM128 for the primary card and RM30 for the supplementary card(s). Any woman at least at the age of 21 years with an annual income of RM60,000 or RM5,000 monthly is eligible to apply.
Note: In addition, eligible cardmembers whose application is submitted during the Campaign Period of the RinggitPlus flash deal and successfully approved by UOB Malaysia will be entitled to enjoy a 1-year annual fee waiver. Check our page to find out more about the flash deal.
List of required documents to apply for UOB Lady's Card
If you are a salaried employee, please prepare:
- A copy of your IC (both sides)
- Latest 3 months' salary slips OR the latest EPF statement
- Latest 6 months' bank statements
- Latest BE form with an official tax receipt
If you are self-employed, please prepare:
- A copy of your IC (both sides)
- A copy of Form 9, 24 & 49 OR Business Registration Certificate
- Latest 6 months company bank statements
- Latest B form with an official tax receipt