Credit cards reward you for a comprehensive list of things.
Be it shopping, paying for a gym membership, or doing weekly grocery runs – you name it, they have it.
How do you choose which card you need and what best suits you?
Here are some characteristics that banks use to ‘target’ women consumers:
- more frequent shopping purchases and higher bills (online + offline)
- more frequent trips to the supermarket
- booking of vacations
- indulging in spa/healthcare treatments
* this list is non-exhaustive
Benefits of Women’s Credit Cards
- Rewards for online, offline, local and overseas shopping
- Special rates and discounts on fashion, healthcare and beauty products
- Complimentary drinks at participating pubs and bars
- Flexibility to convert large purchases into interest-free instalment payment plans
While several credit cards often boast attractive promotional offers, this comparison focuses on just the value that each card has to offer.
| Card Name | Annual Fee | Min. Annual Income | Cashback Cap | Benefits | Best For |
|---|---|---|---|---|---|
| DBS Woman's Card | $160.50 (waived for first year) | Singaporean/PR: S$30,000 Foreigner: S$45,000 | Maximum spend cap of $3,000 for the one selected category | 5X DBS Points (or 10 miles) on online purchases 1X DBS Point (or 2 miles) on other purchases 0% Interest Payment Plans over 6 months e-Commerce Protection on online purchases | Frequent Online Shopper |
| DBS Woman's World Card | $192.60 (waived for first year) | S$80,000 and above per annum (Singaporean or Foreigner) | Maximum spend cap of $3,000 shared among the two categories of choice | 10X DBS Points (or 20 miles) on online purchases 3X DBS Point (or 6 miles) on overseas purchases 1X DBS Point (or 2 miles) on other purchases 0% Interest Payment Plans over 6 months e-Commerce Protection on online purchases | The Modern Career Woman |
| UOB Lady's Card | $192.60 (waived for first year) | Singaporean/PR: S$30,000 Foreigner: S$40,000 | N/A | 10X UNI$ for every S$5 spent on one category (including Beauty & Wellness, Fashion, Dining etc.) UOB LuxePay splits shoe/ bags over S$500 into interest-free instalment plans | Luxury Shopper |
| UOB Lady's Solitaire Card | $406.60 (waived for first year) | Singaporean/PR: S$120,000 | N/A | 10X UNI$ for every S$5 spent on two categories (including Beauty & Wellness, Fashion, Dining etc.) UOB LuxePay splits shoe/ bags over S$500 into interest-free instalment plans | Crazy Rich Asian (Women) |
| UOB Delight Credit Card | $85.60 (waived for first year) | Singaporean/PR: S$30,000 Foreigner: S$40,000 | N/A | Up to 8% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian 10% off over 4,000 house brands at Cold Storage, Giant and Guardian Up to 3% rebate on contactless transactions and recurring bills 0.3% rebate on all other spend Up to 75% off hotel stays worldwide | Stay-home Moms |
| OCBC 365 Credit Card | $192.60 (waived for first 2 years) | Singaporean/PR: S$30,000 Foreigner: S$45,000 | $80 | 6% cashback on everyday dining and online food delivery 3% cashback on groceries 3% cashback on transport including private hire rides and taxis 3% cashback on utilities including recurring electricity bills and telco bills 3% cashback on online travel deals including purchase of tickets, hotels and tours online | Young Working Adults |
| Citi Rewards Credit Card | $192.60 (waived for first year) | Singaporean/PR: S$30,000 Foreigner: S$42,000 | 10,000 points per statement month | 10X rewards (4 miles) on online and shopping purchases 1X Reward on all other retail spend 10X rewards (4 miles) on rides with Grab, Gojek and more 10X rewards (4 miles) on online food delivery | Shopaholics |
| DBS Live Fresh Student Card (Up to 27 years old) | $128.40 (5-year fee waiver) | N/A | $35 ($20 on all other spend, $15 on eligible merchant spend) | Up to 5% cashback on online shopping and Visa contactless transactions (Apple Pay, Samsung Pay and Google Pay) Doubles up as public transport card via SimplyGo (with up to 10% cashback on transport spend) 0.3% cashback on all spending | Students |
| AMEX CapitaCard | $171.20 (waived for first year) | Singaporean/PR: S$30,000 Foreigner: S$60,000 | N/A | Earn 3X STAR$® for spending at participating CapitaLand Malls 3-hour complimentary parking across CapitaLand malls when >S$1,200 spent monthly, or complimentary privileged parking for spending >$1,800 | Frequent shoppers in malls |
| UOB ONE Card | $192.60 (waived for first year) | Singapore citizen/PR: Min. annual income of S$30,000 OR Fixed Deposit collateral of at least S$10,000 Foreigners: Min. annual income of S$40,000 OR Fixed Deposit collateral of at least S$10,000 | N/A | Up to 10% rebate on online shopping, groceries, health & beauty, convenience stores, transport, food delivery Up to 10% rebate on Shopee Singapore and exclusive privileges Up to 10% rebate on all transactions with participating merchants (Cold Storage, Giant, Guardian, 7-Eleven, Market Place, Jasons, Grab, etc.) Up to 6% rebate on Singapore Power Utilities bills Earn rebates quarterly with different tier spendings ($500, $1000, $2000) to get $50 to $300 worth of rebates | Consistent Spender |
Interested in the credit cards listed above? You can find out more real-user reviews and many more here.
3 Most Popular Credit Card Choices for Every Lady
1. For the Tertiary Student: DBS Live Fresh Student Card
This one’s popular amongst undergrads for how lenient they are with the criteria to own this card, while offering a decent $500 credit limit.
Why People Choose This Card:
- No minimum income required
- One-year fee waiver
- Credit limit of S$500
- 5% cashback for online shopping and Visa payWave purchases
- 0.3% cashback on all other spendings
2. For the Career Woman: UOB Lady’s Card
Why People Choose This Card:
- Earn 10X UNI$ on any one spending category – Beauty & Wellness, Fashion, Dining, Family (including groceries), Travel, Transport (including petrol), Entertainment (nightlife, movies)
- Female cancer coverage for 6 female cancers with UOB Lady’s Savings Account
- enjoy Mastercard wine privileges
- One dines free with Mastercard for selected restaurants
3. For the Dedicated Mother: UOB Delight Card
Why People Choose This Card:
This is the card to have for all your supermarket needs.
- 8% rebates at all major supermarket chains (Cold Storage, Market Place, Jasons, Giant, Guardian)
- 10% off house brands at Cold Storage, Giant and Guardian
- Extra 3% rebate on all contactless transactions, Singapore Power and selected recurring bills
- Up to 20% discount at petrol stations
- Up to 75% off for hotel stays worldwide and more than 1,000 dining and entertainment privileges
Best Credit Cards for Women Singapore 2021
What are some of the cards that you are using?
Any other good cards that we should check out?
Share with us at Seedly!
Advertisement
About Ruth Lum
Breaking down 'chim' finance knowledge into manageable pieces so you don't have to.
You can contribute your thoughts like Ruth Lum here.
