UOB Lady's Card
10x UNIRM per RM1 on fashion, 5x on groceries
Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
UOB Lady's Card overview
The UOB Bank UOB Lady's Card is a Card-tier Visa points card built around rewards points. 10x UNIRM per RM1 on fashion, 5x on groceries. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM128 (waived with min. rm20,000/yr spend (platinum tier, effective 1 jan 2026)).
Features & benefits
- ✓10x UNIRM per RM1 on fashion (MCC 5611–5698, 5941, 5944, 5094, 5977)
- ✓5x UNIRM per RM1 on groceries
- ✓Solitaire tier only: 5x UNIRM per RM1 on overseas & foreign-currency online spend
- ✓1x UNIRM per RM1 on all other spend
- ✓Monthly UNIRM cap by tier: Classic 8,000 / Platinum 15,000 / Solitaire 20,000
- ✓Exclusive beauty & wellness privileges
- ✓RM128/yr annual fee (Platinum tier; RM30 supplementary), waived with min. RM20,000/yr spend
Is the UOB Lady's Card worth it?
The UOB Lady's Card is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (waived with min. rm20,000/yr spend (platinum tier, effective 1 jan 2026))
- +Earns 1 reward point per RM1 spent
- +Broad range of benefits and perks
- −RM128 annual fee unless the waiver condition is met
- −Higher income requirement — RM60k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — UOB Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the UOB Lady's Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- How the cap works
- Monthly UNIRM cap by tier: Classic 8,000, Platinum 15,000, Solitaire 20,000. The card-wide 20,000,000 UNIRM/month cap that used to sit on top of these tier caps was removed effective 1 September 2025.
- Foreign transaction fee
- The conversion rate is subject to an administration charge of up to 1.22% levied by Visa/Mastercard International, plus a 1.00% foreign exchange conversion markup levied by UOB on the converted Ringgit Malaysia amount.
Verified 24 August 2026. Summarised in our own words from UOB Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official UOB Lady's Cardterms & product disclosure →UOB Lady's Card FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). UOB Bank also considers your overall credit standing.
The annual fee is RM128, but it can be waived: waived with min. rm20,000/yr spend (platinum tier, effective 1 jan 2026).
It earns 1 reward point per RM1 spent. 10x UNIRM per RM1 on fashion, 5x on groceries.
No — the UOB Lady's Card is a conventional credit card. Check with UOB Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want rewards points — its main draw is "10x UNIRM per RM1 on fashion, 5x on groceries". Weigh the RM128 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the UOB Lady's Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with UOB Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by UOB Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.