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Best Women’s Credit Cards in Singapore 2023

SingSaver team

SingSaver team

Last updated 24 February, 2023

Whether you’re a Luxe Shopper, Savvy Mom, or Culture Vulture, here are the best women's credit cards that give you the best bang for your buck.

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 2023

UOB Lady's Credit Card
UOB Lady’s Card
Citi Rewards Credit Card
Citi Rewards Card
DBS Woman's Card
DBS Woman’s Card
OCBC Bank Platinum Card
OCBC Arts Platinum Card
Best For Luxe Shopper Savvy Mom Online Shopaholic Culture Vulture
Min. Annual Income Singaporeans/PR: S$30,000
Foreigners: S$80,000
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$45,000
Benefits 10x UNI$ (20 miles) per S$5 spend on Beauty and wellness, Fashion, Dining, Family, Travel, Transport or Entertainment

1X UNI$ (or 2 miles) on other purchases
10X Rewards (4 miles) per S$1 spent on online and shopping purchases (including online groceries, online food delivery)

1X Reward (0.4 miles) on other purchases
5X Rewards (10 miles) per S$5 spent online

1X Reward (2 miles) per S$5 spent on other purchases
15 OCBC$ per S$5 spent on SISTIC purchases

Priority show bookings
Annual Fee S$194.40
(1st-year waiver)
(1st-year waiver)
(1st-year waiver)
(Two-year waiver)

For the Luxe Shopper:
UOB Lady’s Card

UOB Lady's Card

Men won’t get why women would need a credit card specifically for them, but UOB certainly does. The iconic UOB Lady’s Card is a comely addition to your wallet – this special edition design is by homegrown fashion designer Priscilla Shunmugam. The perks and rewards are a ladykiller.

Why you’ll love it:

Perhaps a more suitable question is: Why wouldn’t you? Earn 10X UNI$ (or 20 miles) per $S5 spent in one category (which you can change month on month) and 1X UNI$ (or 2 miles) on all other purchases. 

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 0% Interest LuxePay plan, it splits the cost over 6 or 12 months at no extra interest. Isn’t that great? And the best part – MasterCard e-Commerce Protection on all online purchases. 

UOB Credit Card Welcome Gift: Receive an Apple Watch SE 2nd Gen (worth S$382) or up to S$350 worth of Grab vouchers or up to 50,000 miles if you are a new UOB card member and fulfil the respective min. spend requirements. T&Cs apply.


For the Savvy Mom: Citi Rewards Card

Whether you prefer to de-stress at the mall or online, the Citi Rewards Card helps you save money and earn flexible rewards points at the same time.

Why you’ll love it:

As its name suggests, this card offers you rewards galore when you shop for you and your family's new-season clothes, bags and shoes at department stores or online. Think 10X rewards points that help you chalk up points quicker than a blink of an eye!

Citi Rewards Card is also great for all other online purchases — you can expect to snag 10X rewards points when you order groceries and food deliveries online or book rides with Grab, Gojek and more.

Also, you can get exclusive discounts with your Citi Rewards Card and are entitled to enjoy other Citi privileges ranging from travel, petrol to gourmet deals.

SingSaver Exclusive Offer:

For Citi PremierMiles Card: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or Nintendo Switch OLED (worth S$549) or S$400 CapitaVouchers or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply.

For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or Nintendo Switch OLED (worth S$549) or S$400 CapitaVoucher or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply.

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$450 cash when you apply for the Citi Cash Back+ card and join Citi PlusT&Cs apply.

For the Online Shopaholic: DBS Woman’s Card

DBS Woman's Card

For the woman who is tech-savvy and loves travel, the DBS Woman’s Card comes with 5X DBS Points (or 10 miles) per S$5 spent on online shopping – and they even offer MasterCard e-Commerce Protection for non-delivery and damaged items!

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. And we’ve already mentioned the e-Commerce Protection!

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 Woman’s Card is hard to beat as an all-in-one card.

DBS/POSB Credit Card Welcome Gift: Receive S$150 cashback when you key in the promo code 150CASH upon application and make a minimum spend of S$800 within 60 days of card approval. Valid till 30 June 2023. T&Cs apply.

If you're not a new DBS/POSB credit cardmember, consider these promotions instead.


For the Culture Vulture: OCBC Arts Platinum Card

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 is for you.

Why you’ll love it:

Enjoy priority access to shows by Singapore Dance Theatre, Singapore Lyric Opera, and T.H.E Dance Company.

Also, you'll get to redeem tickets and invites to exclusive events, exhibitions and shows, and earn 15 OCBC$ per S$5 spent on SISTIC purchases.

Read these next:
Credit Card Interest Rate: How To Calculate Credit Card Annual Percentage Rate (APR)?
Metal Credit Cards With The Best Perks (2022)
Credit Cards You Can Use As Your EZ-Link Card
Mobile Wallets in Singapore: Complete 2022 Guide
Top 6 Air Miles Credit Cards In Singapore

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