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    UOB Lady's Classic Card

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    UOB Lady's Classic MasterCard is a credit card introduced by the bank to cater to the needs of the modern era women of Malaysia. The card is exclusively designed for women and with its help cardholders will get special privileges on the services that they desire for the most. The card offers handy discounts on travel, shopping, groceries and even at beauty services.


    • The credit card is exclusively designed for women. Hence it comes with plans and privileges wholly suited for the women spenders.
    • The card gives exclusive privileges on fashion, beauty and luxury purchases in the form of cashbacks as well as rewards points.
    • The cards comes with an annual fee waiver for the first year.


    • The credit card assures a cashback of up to 10% and up to 10x UNIRinggit on the cardholder’s weekend purchases.
    • Fashion Ten allows a cardholder to get 10% cashback on all her weekend purchases if she spends a minimum qualifying amount of RM300 on the card. A cardholder can get up to RM30 cashback every month through Fashion Ten.
    • With Beauty Ten, a cardholder will get 10x UNIRinggit on all her beauty treatments and beauty purchases charged to the card, every Saturday and Sunday. The earning is limited to 3,000 UNIRinggit per customer every month.
    • The LuxePay Plan makes a cardholder’s shopping experience even more hassle-free as it allows her to shop whenever she likes and pay later in easy instalments. The cardholder’s luxury purchases such as watches, bags, jewellery, shoes etc. can be paid off in 6 to 12 months’ instalment tenures at 0% interest rate. Luxury purchases of RM2,000 or more are required to be charged on the card to use the plan.

    Eligibility Criteria

    • To hold the UOB Lady’s Classic MasterCard Credit Card, the cardholder’s minimum annual income should be RM24,000.
    • The cardholder must be above 21 years of age to obtain the credit card.
    • Only women can apply for the credit card.

    Fees and Charges

    Types of Fee Charges
    Annual Fee – Principal Card No annual fee charged for the first year RM72.08 (for each subsequent year)
    Annual Fee – Supplementary Card RM31.80
    Finance Charges (Retail Purchases) 15% (if prompt payment of minimum dues is made for 12/12 months) 17% (if prompt payment of minimum dues is made 10/12 months) 18% (if any of the above is not applicable)
    Finance Charges (Cash Advance) 18% p.a.
    Cash Advance Fee Whichever is higher between 5.3% of the cash withdrawal amount or RM21.20 will be imposed for each cash transaction
    Late Payment Charges 1% of the outstanding amount or minimum RM10 and a maximum of RM100 or is charged
    Overseas Transaction Fee The transactions made overseas will be converted into RM at the exchange rate determined by MasterCard International plus 1% administration cost by the bank on the amount transacted in a foreign currency is charged.
    Interest Free Period 20 days from the date of the statement
    Card Replacement Fee RM50 for per credit card replacement
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