Mastercard · ConventionalUOB · MALAYSIA
UOB Lady’s Platinum Card
Min. annual incomeRM60,000RM5,000 / month equivalent
Principal annual feeRM128
Card networkMastercardConventional card
THE DETAILS
Benefit breakdown
UNIRinggit points
| Eligible spending | Earn per RM1 | Monthly cap / qualification |
|---|---|---|
| Eligible fashion and beauty merchant codes | 10 UNIRM | 15,000 UNIRM / month for this category |
| Supermarkets / hypermarkets (MCC 5411) | 5 UNIRM | 15,000 UNIRM / month for this separate category |
| Other eligible retail | 1 UNIRM | Excluded transactions do not earn |
Individual card/category caps remain. The old combined 20-million-UNIRM bank-wide monthly allocation was removed from 1 September 2025.
Fees & charges
- Principal annual fee
- RM128
- Supplementary annual fee
- RM30
- Annual fee waiver
- Annual fee: RM128 principal; RM30 supplementary. Waiver with RM20,000 eligible annual spend before the card anniversary.
- Service tax
- RM25 per principal / supplementary card, including physical and virtual cards, upon approval and annual renewal.
- Retail finance rate
- 15% / 17% / 18% p.a. according to prompt-payment history over the preceding 12 months.
- Cash advance interest rate
- 18% p.a., calculated daily from the cash-release date.
- Cash advance fee
- 0.37% of withdrawal amount from 1 January 2026, plus prevailing service tax on the fee.
- Minimum monthly payment
- Higher of 5% of outstanding balance or RM50, plus contracted instalments / automatic balance-conversion repayments and unpaid previous minimum amounts.
- Late payment charge
- Higher of RM10 or 1% of outstanding balance excluding finance charges and fees; maximum RM100.
- Interest-free retail period
- 20 days from statement date when the full balance is paid on time; no interest-free period for cash advances or balance transfers.
- Overseas conversion
- Visa / Mastercard or UOB prevailing conversion rate, plus up to 1.22% network administration charge and 1% UOB mark-up.
- Overseas MYR / DCC transactions
- Additional 1% UOB fee on the converted MYR amount, on top of the merchant’s currency-conversion pricing.
- Replacement card
- RM15 per replacement card.
Requirements
- Minimum annual income
- RM60,000
- Principal minimum age
- 21 years
- Supplementary minimum age
- 18 years
- Documents
- Malaysian salaried: MyKad, latest 3 months’ salary slips and tax / EPF / bank evidence. Self-employed: business registration, tax evidence and latest 6 months’ business bank statements.
- Foreign salaried applicants
- Passport, latest 2 months’ salary slips, employment letter and work permit valid for at least 1 year; bank assessment applies.
- Applicant group
- Female applicants only under UOB Malaysia’s published requirements.
Payment plans
UOB payment facilities
| Facility | Minimum / tenure | Pricing / conditions |
|---|---|---|
| Merchant Instalment Payment Plan | Participating merchants; available tenures vary | 0% only on an eligible merchant offer, selected at purchase. |
| Easi-Payment Plan | RM500 single purchase or up to 5 unbilled transactions totalling RM500 | Current offered interest / tenure at conversion; approval and available limit required. |
| Balance Transfer Instalment | Minimum RM1,000; up to 80% of credit limit | Quoted flat rate / tenure at application; introductory 0% offers have separate eligibility and dates. |
Do not treat a flat instalment rate as an effective annual rate. Instalment repayments form part of the monthly amount due; the PDS states an early-settlement fee of up to 5% of outstanding principal for applicable conversion plans, while balance transfer has no early-termination penalty.
Lady’s LuxePay 0% instalments
| Spending / facility | Minimum / tenure | Pricing / conditions |
|---|---|---|
| Fashion designer-label bags / watches / jewellery | RM2,000 single receipt; 6 / 12 months | 0% on qualifying LuxePay conversion |
| Health / beauty, facial, spa and eligible practitioners | RM2,000 for 6 months; RM4,000 for 12 months | 0% on qualifying single-receipt conversion |
Product features
- Separate account benefits
- The female-cancer cover advertised for Lady’s Savings Account belongs to that savings account, not automatically to this credit card.
- Points redemption
- UNIRM are reward points, not cash or airline miles. Redeem through UOB Rewards / eligible UOB TMRW pay-with-points; conversion rates, available partners and minimum redemption blocks vary by card and reward.
- Points expiry
- UNIRM expire on the last day of the quarter after 3 years from earning. Check the statement’s expiry table / UOB TMRW for the available balance; airline miles follow their own programme rules after transfer.
- Reward exclusions
- Cash advances, transfers, fees, tax, refunded transactions and other programme-excluded categories do not earn retail rewards. Use the card-specific merchant / currency / posting rules; an excluded transaction may also fail to qualify toward a bonus threshold.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.