UOB Lady’s Solitaire Card

Min. annual incomeRM120,000RM10,000 / month equivalent

Principal annual feeRM300

Card networkMastercardConventional card

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6 visits / calendar yearPlaza Premium Lounge · UOB Private Lounge

BEFORE YOU FLY

Airport lounge access

Card-specific lounge programme

6 visits / calendar year

Plaza Premium Lounge · UOB Private Lounge

Spend & visit rules: 6 visits annually; no additional minimum spending requirement stated for this lounge allocation.
Who can enter: Principal only. Supplementary cards do not have independent complimentary entry.; No automatic free guest entitlement; check the current paid-guest offer.
Where it works: KLIA Terminal 1 only. Complimentary Terminal 2 access is not included.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 ✓ Listed – Outside coverage
KLIA T2 – Outside coverage – Outside coverage
UOB’s current offer is for the T1 international departure lounge.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Smart Traveller by Plaza Premium Group / physical card

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	✓ Listed	– Outside coverage
KLIA T2	– Outside coverage	– Outside coverage

Entry steps & validity

Present eligible card or registered Smart Traveller QR plus boarding pass; maximum 1 admission daily, subject to lounge capacity. Complimentary stay up to 3 hours; excess time is chargeable.

Calendar year; current issuer rules checked 3 November 2026. One eligible UOB principal card per visit from 18 August 2026; separate UOB cards cannot be stacked at the same visit.

Eligible locations & entry rules Smart Traveller

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Benefit breakdown

UNIRinggit points

UNIRinggit points
Eligible spending	Earn per RM1	Monthly cap / qualification
Eligible fashion and beauty merchant codes	10 UNIRM	20,000 UNIRM / month for this category
Supermarkets / hypermarkets (MCC 5411)	5 UNIRM	20,000 UNIRM / month for this separate category
Overseas / online transactions in foreign currency	5 UNIRM	No monthly category cap stated
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: RM300
Supplementary annual fee: RM30
Annual fee waiver: Annual fee: RM300 principal; RM30 supplementary. Waiver with RM50,000 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: RM120,000
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

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

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

Travel protection: Up to RM500,000 death / permanent-disability travel cover plus policy-defined travel-inconvenience benefits; pay eligible airfare with this card.
Purchase protection: Up to RM30,000 for eligible theft / accidental damage within 30 days of purchase; policy conditions and sub-limits apply.
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.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.