Best Women’s Credit Cards in Singapore (2025)
written_by SingSaver Team
updated: May 26, 2025
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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.
Consider these women’s credit cards in Singapore
For the luxe shopper
UOB Lady's Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 0.4 - 10 miles per dollar |
| Annual Fee | S$ 196.20 |
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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
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 1 - 10 points / dollar |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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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 S$485 eCapita Voucher, S$450 Shopee Vouchers, S$450 cash or the latest gadgets such as a Dyson Airstrait or Digital Slim Submarine™, or an Apple iPhone 16 or iPad (A16). Simply apply for a Citi Rewards Credit Card via SingSaver and spend a minimum of S$500 within 30 days of card approval! Valid till 30 June 2025. T&Cs apply.
For the online shopaholic
DBS Woman's Card
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| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 1 - 5 DBS points / dollar |
| Annual Fee | S$ 163.50 |
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Earn 1 DBS Point for every $5 spent and 5 DBS Points for every $5 spent online
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DBS Points can be converted into miles, cash credits, dining vouchers, and more
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Complimentary eCommerce protection on online purchases
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Instalment plans of up to 24 months offered with 0% interest
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Exclusive deals for cardholders on categories that include dining and travel
SingSaver’s take
The DBS Woman’s Card is a great option for those who are big online shoppers. Frequent travelers can consider upgrading to the DBS Woman’s World Card and earn additional DBS Points on overseas transactions.
For the culture vulture
OCBC Arts Platinum Credit Card
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 1 - 3 point/dollar |
| Annual Fee | S$ 163.50 |
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Earn 15 OCBC$ for every $5 spent on SISTIC purchases
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OCBC$ can be used to redeem rewards
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Enjoy priority bookings to shows by the Singapore Lyric Opera, Singapore Dance Theatre, and T.H.E Dance Company
SingSaver’s take
The OCBC Arts Platinum Card is a great option for those who frequent the local arts scene. However, it’s not the best card for earning points on everyday purchases.
SingSaver x OCBC Credit Cards Exclusive Promo
Get a Shark Wandvac Handheld Vacuum, Apple AirPods 4, S$180 Shopee Voucher, or S$150 Cash when you apply for an OCBC Credit Card via SingSaver and make at least one (1) transaction of any amount within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid till 30 June 2025. T&Cs apply.
Frequently asked questions about the best women’s credit cards
Can I apply for a credit card for my wife?
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.
How many credit cards can I apply for?
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.
Can men apply for women’s credit cards?
Yes, men can apply for cards like the UOB Lady’s Card and DBS Woman’s Card.
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.