Best Women’s Credit Cards in Singapore (2025)
Updated: 22 May 2025
Written bySingSaver Team
Team
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.
Card | Hot Reward Pick | SingSaver Reward | |||
|---|---|---|---|---|---|
 | Citi Rewards Card | S$999 | |||
 | UOB Lady's Card | S$670 | |||
 | DBS Woman's Card | - | - |
For the luxe shopper
UOB Lady's Card
- Pick from 7 rewards categories to earn up to 25X UNI$ for every S$5 spend (10 miles per S$1)
- Spend on UOB Lady's Credit Card to earn 10X UNI$ (4 miles per S$1) and enjoy additional up to 15X UNI$ (6 miles per S$1) when you pair your UOB Lady's Credit Card with UOB Lady's Savings Account
- LuxePay: Enjoy 0% 6 or 12-month instalment plan when you purchase your favorite luxury apparels.
- Complimentary e-Commerce protection on your online purchases.
- Enjoy UOB$ rebate on your daily essentials, entertainment and shopping.
- You can only choose 1 rewards category out of 7 to earn up to 25X UNI$ (10 miles per S$1). Feel free to change your category every quarter.
- You must save with UOB Lady’s Savings Account to unlock up to additional 15X UNI$ (6 miles per S$1) earn rate on your preferred rewards category.
- Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.
Product details
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Earn up to 25 UNI$ (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
Citi Rewards Card
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus rewards points capped at 9,000 points per statement month
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
Receive up to S$450, a Dyson Airwrap Origin or a Xiaomi Robot Vacuum when you apply for a Citi Rewards Card and spend a minimum of S$500 within 30 days of card approval. You can also top up from just S$50 to upgrade to the latest Dyson products, Apple iPad (A16), or Nintendo Switch 2. Valid till 10 August 2025. T&Cs apply.
Plus, for a limited time only, score additional S$60 cash when you are one of the first 20 applicants daily at at 12PM, 6PM & 10PM daily. Valid till 10 August 2025. T&Cs apply.
For the online shopaholic
DBS Woman's Card
- 5X DBS points (10 miles) for every S$5 spent on online purchases.
- 1X DBS points (2 miles) for every S$5 spent on other purchases.
- Complimentary e-commerce protection for online purchases.
- Enjoy special promotions and discounts for certain fashion, beauty and wellness stores.
- Both women and men can apply.
- 5X DBS points are only applicable for the first S$1,000 online spend per calendar month.
- DBS points are awarded for every S$5 spent.
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.
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.