UOB Lady's Card
10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
UOB Bank UOB Lady's Card overview
The UOB Bank UOB Lady's Card is a Card-tier Visa points card built around rewards points. 10x UNI$ per RM5 on fashion, beauty & dining (1 selected category). It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It carries no annual fee.
Features & benefits
- ✓10x UNI$ per RM5 on fashion, beauty & dining (1 selected category)
- ✓1x UNI$ per RM5 on all other spend
- ✓Exclusive beauty & wellness privileges
- ✓Annual fee waived with min. RM12,000/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.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- −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
Before you apply, read UOB Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 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.
No — the UOB Lady's Card is free for life with no annual fee.
It earns 1 reward point per RM1 spent. 10x UNI$ per RM5 on fashion, beauty & dining (1 selected category).
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 UNI$ per RM5 on fashion, beauty & dining (1 selected category)". With no annual fee, there's little downside to holding it. 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.