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.
Table of contents
- Best for deluxe shopping: UOB Lady's Card
- Best for savvy online shoppers: Citi Rewards Card
- Best for international shopaholics: DBS Woman's Card
- Best for culture vultures: OCBC Arts Platinum Card
Best Women's Credit Cards in Singapore 2025
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| Best For | Luxe Shopper | Savvy Mom | International 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$45,000 |
| Benefits | 15X UNI$ per S$5 spend (6 miles) on Beauty and wellness, Fashion, Dining, Family, Travel, Transport or Entertainment 1X UNI$ per S$5 spend (0.4 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 per S$5 spend (2 miles) online 1X Reward per S$5 (0.4 miles) spent on other purchases |
15 OCBC$ per S$5 spent on SISTIC purchases Priority show bookings |
| Annual Fee | S$196.20 (1st-year waiver) |
S$196.40 (1st-year waiver) |
S$163.50 (1st-year waiver) |
S$163.50 (Two-year waiver) |
For the Luxe Shopper: UOB Lady’s Card
Men won’t get why women would need a credit card specifically for them, but UOB certainly does. The iconic UOB Lady’s Card is a comely addition to your wallet – this special edition design is by homegrown fashion designer Priscilla Shunmugam. The perks and rewards are a ladykiller.
Why you’ll love it:
Perhaps a more suitable question is: Why wouldn’t you? Earn 10X UNI$ per $S5 or 4 miles per S$1 (mpd) spent in one preferred category per quarter and 1X UNI$ per S$5 (0.4 mpd) 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$500) on UOB Lady’s 0% Interest LuxePay plan, it splits the cost over 6 or 12 months at no extra interest. Isn’t that great? And the best part – MasterCard e-Commerce Protection on all online purchases.
[Update!] And if you want to go the extra mile and bump your bonus miles earn rate up to 25X UNI$ per S$5 (10 mpd) spend? Simply open a UOB Lady's Savings Account, pair your card with it, and voila! That's an easy 10 mpd for every eligible preferred category transaction!
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SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$400 cash via PayNow or Dyson Airstrait (worth S$799) when you are one of the first 3 eligible applicants at 2pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 31 August 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 31 August 2026. 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 (4 mpd) 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 4 mpd 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.
📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card:
Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Airwrap™ multi-styler and dryer (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad (A16) 11" 128GB WiFi (worth S$649); or
- S$340 for Apple AirPods Max 2 (worth S$749); or
- S$580 for an Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999); or
- S$740 for an Apple iPad Air (M4) 11" 128GB WiFi (worth S$1,149)
For the Online Shopaholic: DBS Woman’s Card
If you can't resist your shopaholic tendencies, then the DBS Woman’s Card will be your shopping best friend.
Why you’ll love it:
For starters, this card rewards you with 10X DBS Points per S$5 (or 4 mpd) spent on online shopping – and they even offer MasterCard e-Commerce Protection for non-delivery and damaged items!
Meanwhile, for eligible overseas purchases, that's up to 3X DBS Points per S$5 (or 1.2 mpd). If you're savvy with miles cards, you'd know that this overseas miles earn rate is comparable to that of most travel credit cards.
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.
SingSaver Exclusive Offer: Get rewarded when you apply for select DBS/POSB Credit Cards via SingSaver!
Enjoy S$288 Cash, S$310 Grab Voucher, 18,000 HeyMax Miles (worth S$324), Morning Mini Bundle + 20 Capsules Bundle (worth S$425), or Samsonite STRAREN Spinner 67/24 (worth S$600) when you apply and spend a minimum of S$500 within 30 days of card approval. Use promo code SINGSAVER. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$150. Valid till 30 September 2026. T&Cs apply.
- S$150 for a Dyson V8 Cyclone vacuum (worth S$559); or
- S$200 for a Dyson Airstrait (worth S$799); or
- S$200 for Sony WH-1000XM6 Earphone (worth S$649); or
- S$350 for an Apple iPad A16 11-inch (worth S$649)
Welcome Offer: Get up to S$200 cashback on Cashline when you select “Cashline” in your application on the DBS/POSB website (except foreigners) and have a minimum S$188 closing balance accumulated for Cashline withdrawals in the first two statement months upon account opening. Valid till 30 September 2026. T&Cs apply.
For the Culture Vulture: OCBC Arts Platinum Card
If you’re the girl in your friend group who’s always dragging people to theatre shows, art galleries, and performances, the OCBC Arts Platinum Card is for you.
Why you’ll love it:
Enjoy priority access to shows by Singapore Dance Theatre, Singapore Lyric Opera, and T.H.E Dance Company.
Also, you'll get to redeem tickets and invites to exclusive events, exhibitions and shows, and earn 15 OCBC$ per S$5 spent on SISTIC purchases.
SingSaver Exclusive Offer: Receive the following rewards when you apply for an OCBC Credit Card:
Get S$400 Cash, S$440 Grab Voucher, 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait (worth S$799), or Dyson V8 Cyclone cordless vacuum (worth S$559) when you apply and spend minimum S$400 in qualifying transactions within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$80. Valid till 30 September 2026. T&Cs apply.
- S$80 for a Dyson Airwrap™ (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad A16 11-inch (worth S$649); or
- S$300 for Apple AirPods Max 2 (worth S$749); or
- S$570 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$720 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
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