• UOB Lady's Classic Card

    UOB Lady
    Credit Card
    Annual Fee
    Reward type
    UOB Lady's Classic Card
    Annual Fee:
    RM 68
    Reward type:
    Shopping, Lifestyle,Dining

    About UOB Lady’s Classic Card

    The Lady’s Classic Card from UOB provides customers with attractive discounts on wellness and beauty, travel, and dining. It has been specially designed for the modern woman who likes to make the most of reward points and cash back in an effort to save more money.

    UOB Lady’s Classic Card Benefits

    The UOB Lady’s Classic Card offers many benefits to customers, including rewards and cash back.

    SMART$ Cash Back:

    If you engage in grocery shopping at Cold Storage, Giant, Tesco or Jaya Grocer, you can claim 10% of your cash back. Moreover, cash rebates of almost 10% can also be claimed while shopping at participating traders. SMART$ Cash Rebates, as they are called, can be redeemed on a variety of items in the future.


    Each time you spend on your UOB Lady’s Classic credit card, UniRinggit Rewards are awarded. Each ringgit spent will present you with 3x UniRinggit Reward Points on a daily basis. With several different gifts to opt for from the UOB catalogue, all the points you earn must be redeemed within three years of the date on which you earn them.


    Travel benefits can also be availed by using the UOB Lady’s Classic card. Not only will you receive complimentary travel insurance during your travels, but you can also make the most of exclusive privileges when it comes to restaurants and hotels across Malaysia.

    UOB Lady’s Classic Card Features

    • The interest rate applicable on this card is 15% per annum
    • An interest-free period of 20 days is granted
    • Cash back can be claimed up to 10%
    • The rate on balance transfer for a period of six months is 7.77%
    • The annual fee is RM72.08
    • The yearly fee for a supplementary card is RM31.80
    • RM50 or 5% of the outstanding amount, whichever is more, should be paid as minimum monthly payment
    • In case of late payments, the fee applicable is either RM10 or 1% of the outstanding amount, subject to a maximum of RM100
    • In case of cash withdrawals, the fee applicable is RM21.20 or 5.30% of the amount you withdraw, whichever is more
    • The rate of interest applicable on cash withdrawals is 18%

    Requirements or Eligibility

    Women who wish to take out a UOB Lady’s Classic Card will have to meet the following eligibility criteria:

    • Must be at least 21 years old (only women)
    • Must earn a minimum annual income of RM24, 000

    Balance Transfer on UOB Lady’s Classic Card

    Customers who are paying 18% per annum on their credit card bills on a monthly basis can transfer their debt to UOB Lady’s Classic card with lower rates of interest. Doing so helps in saving a good amount of money which you would otherwise spend on interest payments. Following is a table showing the interest rate applicable for different tenures:




    Six months

    7.77% without any one-time upfront handling charges

    From RM1000

    12 months

    7.88% without any one-time upfront handling charges

    From RM1000

    18 months

    7.99% without any one-time upfront handling charges

    From RM1000

  • Contact Us on Mail
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.