Best Women’s Credit Cards in Singapore (2025)
Updated: 22 May 2025
Written bySingSaver Team
Team
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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.
Here, we break down the best women's credit cards for the different types of Singaporean women in 2025.
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Try adjusting your loan amount or tenure to see more options.For the luxe shopper
Product details
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Earn up to 25 UNI$ (10 mpd) per $5 spend in a chosen category (choose from Beauty & Wellness, Fashion, Dining, Family, Travel, Transport and Entertainment)
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No minimum spend required
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First year annual fee waiver
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eCommerce protection for online purchases
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Interest free payment plan with LuxePay over 6 or 12 months
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BNPL platform, LuxePay, available for purchases of luxury items
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Enjoy a birthday treat during your birth month
SingSaver’s take
The UOB Lady’s Card offers those who are large spenders in a chosen category (fashion & shopping, beauty & wellness, dining & entertainment) a great way to earn enhanced UNI$ which can be converted into rewards or miles.
For the savvy mom
Product details
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Earn 1 SmartPoint for all purchases, 10 SmartPoints for online and in-store shopping purchases
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Points can be redeemed as cash rebates, gift vouchers and merchandise
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No minimum spend required
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First year annual fee waiver
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Enjoy exclusive deals and discounts with Citi World privileges
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Break down large expenses into instalments with Citi PayLite and Citi FlexiBill
SingSaver’s take
The Citi Rewards Card makes shopping more rewarding for those who frequently make online purchases. In addition, cardholders can make use of a range of deals across various categories (from dining to travel) with Citi World privileges.
SingSaver x Citi Rewards Credit Card Exclusive Offer
Get a Dyson Airstrait™, an Apple iPad (A16), an Apple Watch SE Gen 3, S$420 Grab Voucher or S$380 Cash when you apply for a Citi Rewards Card and fulfil promo requirements. You can also top up from just S$50 to upgrade to the latest Dyson products, Sony Headphones or Nintendo Switch 2. Valid till 15 January 2026. T&Cs apply.
Or, Get the Apple Upgrade You Deserve!
Apply via SingSaver and make a simple top-up from S$220 to bring home the latest Apple devices! Valid till 15 January 2026. T&Cs apply.
For the online shopaholic
Product details
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Earn 1 DBS Point for every $5 spent and 5 DBS Points for every $5 spent online
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DBS Points can be converted into miles, cash credits, dining vouchers, and more
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Complimentary eCommerce protection on online purchases
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Instalment plans of up to 24 months offered with 0% interest
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Exclusive deals for cardholders on categories that include dining and travel
SingSaver’s take
The DBS Woman’s Card is a great option for those who are big online shoppers. Frequent travelers can consider upgrading to the DBS Woman’s World Card and earn additional DBS Points on overseas transactions.
SingSaver x DBS Exclusive Offer
Get rewarded when you apply for select DBS/POSB Credit Cards via SingSaver. Choose from S$200 eCapitaVoucher, Shokz Headphones, Samsonite Straren Spinner 67/24, Stryv Airflex 2.0, or Xiaomi Vacuum when you meet the minimum spend of S$100 within 30 days of card approval. Or top up as low as S$250 to get the latest Dyson, Nintendo, or Sony products! Valid until 12 January 2025. T&Cs apply.
Frequently asked questions about the best women’s credit cards
While you cannot apply for a principal credit card for someone else, you can apply for a supplementary credit card for them. A supplementary cardholder does not have to meet the minimum income requirement. However, owning a supplementary card will not help the cardholder build credit.
While there’s no limit to how many credit cards you can apply for, it’s important to consider your financial habits and budgeting discipline. Two is a great number to start off with – one for everyday expenses and another that offers enhanced rewards in a category you frequently spend in.
Yes, men can apply for cards like the UOB Lady’s Card and DBS Woman’s Card.
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About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.