UOB · Miles

UOB Lady's Solitaire

Good for

Fashion, shoes, jewelry and sports stores. 10X UNIRM per RM1, up to 20,000 UNIRM a month.
Spend abroad or online in foreign currency. 5X UNIRM per RM1, no cap.
6 free Plaza Premium lounge visits a year at KLIA Terminal 1.

UNIRinggit, per RM spent, and the miles they make in Enrich, KrisFlyer or Asia Miles.

Spending	Earns	Details
Fashion and Health / pharmacy	10 points per RM	On the first RM2,000 a month. 0.5 miles per RM.
Overseas / FX in-person and Online (foreign currency)	5 points per RM	0.25 miles per RM.
Groceries	5 points per RM	On the first RM4,000 a month. 0.25 miles per RM.
Spending in ringgit	1 point per RM	0.05 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and Utilities	Nothing

Enrich: 20,000 points for 1,000 miles Moved in blocks of 20,000 points.
KrisFlyer: 20,000 points for 1,000 miles Moved in blocks of 20,000 points.
Asia Miles: 20,000 points for 1,000 miles Moved in blocks of 20,000 points.

Airport lounges: 6 free visits a year Plaza Premium, 1 (KLIA Terminal 1) lounges. Main cardholder only. One visit a day, up to 3 hours. Guests aged 12 and up get 50% off in Malaysia.
Overseas spending fee: 2.22% Up to 1.22% Visa or Mastercard plus 1% UOB. Paying in ringgit abroad (DCC) costs 1% plus 8% service tax on that fee.
Paying in ringgit abroad: 1% When a shop abroad charges you in ringgit.

Free. The travel cover starts once you charge the full fare to this card. For a package tour, at least 80% of the cost must go on the card.

Travel accident: Up to RM500,000 Covers your spouse and children too. A child gets up to 10% of the sum.
Flight delay or missed connection: Up to RM1,000 Baggage delay up to RM1,000 and baggage loss up to RM2,000. The same limits cover the whole family.
Shopping and fraud cover: Up to RM30,000 per claim Up to RM50,000 a year. Covers loss or damage within 30 days of purchase. You pay 50% of each loss.
Insurer: Liberty General Insurance Claims go to Liberty, not UOB.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM300
Extra (supplementary) cards: RM30 a year Waived when the account's combined spend reaches RM50,000 in the 12 months before this card's own anniversary. The RM25 service tax still applies.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how many of the last 12 minimum payments you made on time. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments and unpaid past minimums.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late. Finance charges and fees are left out of the balance.
Cash withdrawal: 0.37% fee Plus 8% service tax on the fee, and 18% a year interest from the day you take it out. No interest-free days.
Replacement card: RM15

Income: RM120,000 a year or more
Who: Women only
Age: 21 or older Extra cardholders from 18.
Documents: MyKad (both sides)
Employees: latest 3 months of payslips, plus one of: latest Form B or BE with the tax receipt, latest EPF statement, or latest 3 months of bank statements
Self-employed: business registration form, latest BE form with the tax receipt, and latest 6 months of bank statements showing business turnover
Foreigners: passport, latest 2 months of payslips, a work permit valid for at least 1 year, and a letter of employment
How many months of payslips you need depends on your job.