Best Women’s Credit Cards in Singapore

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Whether you’re a Luxe Shopper, Career Mum, or Culture Vulture, here are the best women’s credit cards that give you the best deals and cash back.

When it comes to credit cards, Singaporean women are spoilt for choice. Whether your interests lie in designer fashion, theatre and musicals, fitness, dining or more practical activities like grocery shopping, there is a credit card that rewards you for it – which makes it all the more confusing to choose the right one. We break down the best women’s credit cards for the different types of Singaporean women.

Best Women’s Credit Cards in Singapore

UOB Lady’s Credit Card

DBS Live Fresh Student Card UOB Delight Card Citi Rewards Card DBS Women’s MasterCard

OCBC Arts Platinum MasterCard

Who For Luxe Shopper  Student Career Mum  Pleasure Seeker The Now Woman Culture Vulture
Min.  Income/yr  Singaporeans/PR:
S$30,000
Foreigners: S$40,000
None Singaporeans/PR:
S$30,000
Foreigner: S$40,000
Singaporeans/PR:
S$30,000
Foreigner: S$42,000
Singaporeans/PR:
S$30,000
Foreigner: S$45,000
Singaporeans/PR:
S$30,000
Foreigner: S$45,000
Benefits UNI$5 for every S$5 spent at department stores, overseas, and online
UOB LuxePay splits shoe/ bags  over S$500 into instalment plans
5% cashback for online shopping and Visa payWave, 0.3% for other spending. 8% rebate at Cold Storage, Giant, Marketplace, Jasons, and Guardian 10X Rewards for clothes, bags or shoes 5X Rewards for every S$5 spent online Up to 20% off local and international productions, 
3X OCBC$ on Sistic bookings
Welcome Offer None None None S$120 cash back None None
Annual Fee S$192.60 S$128.40 (1st year waiver) S$85.60
(1st year waiver)
S$192.60
(1st year waiver)
S$160.50
(1st year waiver)
S$160.50
(2-year waiver)

Credit card terms and conditions apply.

For the Luxe Shopper: UOB Lady’s Credit Card

Men won’t get why women would need a credit card specifically for them, but UOB certainly does. The iconic black UOB Lady’s credit card with its statement rose motif is a comely addition to your wallet, for one. The perks and rewards are a ladykiller.

UOB Ladys CardApply for women's credit card

Why You’ll Love It:

Perhaps a more suitable question is: Why wouldn’t you? Every S$5 you spend on shopping, whether in Singapore, overseas or online, you earn UNI$5. The same applies for taxi rides. With this card, you  also enjoy Mastercard wine privileges and free weekend parking.

How many times have you bought yourself an early birthday or Christmas present? While we advocate prudence with your finances, it’s ok to treat yourself on special occasions.

When you put a big-ticket shoe or bag purchase (over S$500) on UOB Lady’s interest-free LuxePay plan, it splits the cost over six or 12 months at no extra interest. Isn’t that great?

DBS live fresh student card

For the Tertiary Student: DBS Live Fresh Student Card

The sooner you learn how to manage your money, the better you’ll be at saving and spending wisely. The DBS Live Fresh Student Card will teach you important lessons in responsible credit card use, while rewarding you for it too.

DBSLiveFreshVisaCard

Why You’ll Love It:

First of all, no minimum income required? Awesome. Secondly, you get a a one-year fee waiver.

However, since you’re not earning a regular pay check yet, it does come with a credit limit of S$500.

Here comes the perk: 5% cashback for online shopping and Visa payWave (includes Apple Pay, Samsung Pay and Google Pay) purchases, as well as 0.3% cashback for all other spending.

UOB delight singaporean mums

For the Career Mum: UOB Delight Credit Card

Mums in Singapore have their hands full with taking care of the family, managing the household budget, and working. With the UOB Delight Credit Card in your wallet, grocery shopping doesn’t have to bust your budget – even if you don’t go to the cheapest supermarkets in Singapore.

UOBDelightCreditCard

Why You’ll Love It:

This is the card to have for all your supermarket needs. Touted as the “best daily essentials card”, it gives you up to 8% rebates at all major supermarket chains including Cold Storage, Market Place, Jasons, Giant as well as at Guardian.

In addition,  enjoy 10% off house brands at Cold Storage, Giant and Guardian. Earn an extra 3% rebate when you charge recurring bills on the card for contactless transactions. What’s more, save 20% on petrol stations. 

Managing a household is no easy feat and this card gives you up to 75% off for hotel stays worldwide and dining privileges you can pamper yourself with.

citi rewards card pleasure seekers

For the Pleasure-Seeker: Citi Rewards Card

Calling all shopaholics! You need this card right now. Whether you prefer to de-stress at the spa or at the mall, the Citi Rewards Card helps you save money.

Citi_Rewards_Visa_Card (1)

Why You’ll Love It:

As its name suggests, this card offers you rewards galore when you shop for your new-season clothes, bags and shoes at department stores or online. Think 10X rewards points and welcome vouchers from your favourite brands. Also get exclusive discounts online with your Citi Rewards Card. Furthermore, you’re entitled to  enjoy other Citi privileges ranging from travel, petrol to gourmet deals.

 

For the Now Woman: DBS Woman’s MasterCard

For the woman who is tech-savvy and loves travel, the DBS Woman’s MasterCard comes with 10X DBS points for online and overseas shopping. 

DBSWoman'sMasterCard

 

Why You’ll Love It:

This card comes with a My Preferred Payment Plan, which combines and converts your major retail purchases up to a 24-month interest-free instalment plan with a low processing fee. It also gets you places by prioritising your CityCab bookings and gives you a pass to skip queues with Comfort.

And whenever you need a little retail therapy, it rewards you with DBS rewards points for your online purchases. With a spread of deals ranging from beauty and wellness, fashion, travel, dining and entertainment, the DBS Women’s MasterCard is hard to beat as an all-in-one card.

For the Culture Vulture: OCBC Arts Platinum Card

If you’re the girl in your friend group who’s always dragging people to theatre shows, art galleries, and performances, the OCBC Arts Platinum Card was made just for you.

OCBC Arts Platinum Card

 

Why You’ll Love It:

Enjoy up to 20% ticket prices for local and international productions as well as priority bookings for shows by W!LD RICE, The Theatre Practice, Singapore Dance Theatre and more. Also get to redeem tickets and invites to exclusive events, exhibitions and shows. You also earn 3X OCBC$ when you buy tickets on SISTIC.

Arts and musical events aside, you will also enjoy more efficient booking and payment with MasterPass on the ComfortDelGro Taxi Booking App — with no admin or booking fee.

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Alexa FangBy Alexa Fang
Alexa is a pop-culture vulture. She lives to read, write and travel, and decided long ago that life is stranger than fiction. When she’s having croissant, she thinks in French. “31 Rue Cambon” is her favourite address, and she believes that money one enjoyed spending is never money wasted.


 

About Alexa Fang

Alexa Fang is a pop-culture vulture. She lives to read, write and travel, and decided long ago that life is stranger than fiction. When she's having croissant, she thinks in French. "31 Rue Cambon" is her favourite address, and she believes that money one enjoyed spending is never money wasted