Best Credit Card Reviews in Singapore

Best Credit Cards for Women in Singapore

4 Women’s Credit Cards in Singapore


There are substantial reasons why card companies have been, and are still creating credit cards for women. We’re not the ones drawing assumptions, but based on this article on Forbes, women make up 70-80% of all consumer purchasing, which is further amplified by a multiplier effect. What do we mean? Women have a tendency not just to shop for themselves, but also for their spouses and families as they often assume the primary caregiver role. So if you are involved in any form of sales and are thinking of how to craft your marketing strategy from a female consumer’s perspective, you’ll probably on the right track.

Bearing that in mind, credit card companies have come up with brilliant strategies on cards designed to better suit women’s spending habits. We’re all for gender equality, but it is true to a certain extent that a typical female’s spending pattern differs from a male’s, and a woman-centric credit card would be an excellent complement to that. The demographics have shifted over the years and more women are in the workforce with independent financial stability.

If you’re a lady looking for an appropriate credit card, you’ve come to the right place! Cardable has gone through some of the credit cards for women in the market and we’ll touch on each card’s perks and benefits for women.

Let’s jump right in!

1. DBS Woman’s MasterCard® Card

Highlights for women


  • 2 complimentary visits for you and a friend to True Fitness (Ang Mo Kio, Chevron House, Tampines Junction, Suntec City) or True Yoga Pacfici Plaza every month
  • Special perks if you sign up for a 12-month membership with True Fitness / True Yoga

Other perks

  • 5X DBS Points for every S$5 spent online. DBS Points can also be converted to miles
  • Discounts and deals on shopping, travel and dining
  • Compatible with Apple Pay, Samsung Pay and Android Pay

Eligibility and annual fees

  • Annual income of S$30,000 and above for Singaporeans and Permanent Residents
  • Annual income of S$45,000 and above for foreigners
  • 21 years old and above
  • S$160.50 for principal card and S$80.25 for each supplementary card

One of the outstanding features of the DBS Woman’s MasterCard Card is the complimentary visits to True Fitness and True Yoga centres. If you’re keen on making gym sessions a regular activity, perhaps these complimentary visits may help you decide whether a gym membership is worth it! If you decide to commit to a 12-month membership at True Fitness, with the DBS Woman’s Card, you get to enjoy joining fee waiver, a complimentary personal training session, as well as a 1-month complimentary membership for a friend!

In addition to the gym deals, DBS Woman’s card have exclusive deals on shopping, travel, dining and movies. Other deals include merchants like Qoo10, Montigo Resorts and Angelina Paris.

DBS Woman's MasterCard

Get complimentary gym visits every month!

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If you earn a higher income and make purchases overseas often, perhaps you would want to consider the sister card, DBS Woman’s World Card. This women’s card allows cardholders to earn 10X DBS Points for every S$5 spent locally, and 3X DBS Points for every S$5 spent overseas.

DBS Woman's World Mastercard

Bigger rewards on online purchases!

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2. Citi Rewards Card

Highlights for women

  • Earn 10X Rewards when you shop at online or retail stores, or department stores, locally and overseas
  • Earn rebates for groceries, retail and dining expenses

Other perks

  • Exclusive offers from Agoda, Expedia and other travel sites
  • Petrol deals at Esso and Shell
  • Complimentary travel insurance when you charge your airfare to your Citi Rewards Card

Eligibility and annual fees

  • Annual income of S$30,000 and above for Singaporeans and Permanent Residents
  • Annual income of S$42,000 and above for foreigners
  • 21 years old and above
  • S$192.60 for principal card and S$96.30 for each supplementary card

The big attraction with the Citi Rewards Card is that you get 10 Rewards points for every S$1 spent! The Rewards points you earn are valid for 5 years and can be used to redeem vouchers, flights, gadgets and more. If you’re big on shopping, both online and in stores, this will be a great card for you! You’ll also get to enjoy cash rebates at many F&B outlets, including Starbucks, Subway and Cedele.

This card also features deals with travel sites such as Agoda and Expedia. Citibank also offers complimentary travel insurance when you book your airfare with your Citi Rewards Card.

Also, as part of a new feature introduced in April 2019, you can earn miles/reward points (depending on card type) when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App.

Citi Rewards

Apply now and receive up to S$120 cashback!

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3. UOB Lady’s Card

Highlights for women

  • Earn UNI$5 with every S$5 spent at local departmental stores, overseas shopping, and online shopping (in foreign currencies)
  • Earn SMART$ on daily essentials at Cold Storage, Market Place, Jasons, Giant and Guardian
  • Discount on movie tickets at Cathay Cineplexes
  • 10% off Raffles Enhanced Health Screening packages

Other perks

  • One complimentary bottle of wine when you dine in Singapore, Hong Kong and China
  • Free weekend parking at selected shopping malls
  • Kids’ dining perks at participating restaurants at InterContinental® Hotels and Resorts across Asia Pacific

Eligibility and annual fees

  • Female only
  • Annual income of S$30,000 and above for Singaporeans and Permanent Residents
  • Annual income of S$40,000 and above for foreigners
  • S$192.60 for principal card and S$96.30 for each supplementary card

“The men don’t get it.”

That’s a powerful slogan, isn’t it? UOB’s marketing for its UOB Lady’s Card is quite a big success in our opinion. Down to creating an instagram account and a hashtag #mendontgetit, this card is fast becoming an iconic card for the ladies. What is so appealing about this card? Is it worth the hype?

One big appeal factor about this card is that it offers perks with many types of expenses one would find in a woman’s life. Not just shopping in stores and online, the UOB Lady’s Card also covers aspects like parking, movies, family-related expenses and healthcare. We’re rather delighted to spot these perks not covered by other cards, such as the discount on healthcare packages at Raffles Medical Group. Another noteworthy mention is the kids’ dining perks with InterContinental® Hotels and Resorts, where a child gets a complimentary meal with every paying adult. That’s a pretty thoughtful perk, we must say.

Of course, the women also need some me-time to let their hair down. Fancy some wine when you dine? The Mastercard Wine Privileges allow cardholders to receive a complimentary bottle of wine (with varying minimum spend depending on individual restaurants) when you pay with a Mastercard credit card. This calls for a girls’ night out!

Still unsure of the card? UOB offers different tiers of the Lady’s Card to cater to different female audiences. Visit the UOB website to find out more about the Lady’s Debit Card and the Lady’s Solitaire Card.

UOB Lady's Card

Get 50% off taxi rides with an online card application!

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4. OCBC 365 Card

Highlights for women

  • 3% cashback on online shopping
  • 6% cashback on weekend dining and 3% cashback on weekday dining
  • 3% cashback on groceries
  • Petrol savings

Other perks

  • 3% cashback on recurring telco bills
  • Complimentary travel insurance when you charge your return air tickets to this card

Eligibility and annual fees

  • Annual income of S$30,000 and above for Singaporeans and Permanent Residents
  • Annual income of S$45,000 and above for foreigners
  • 21 years old and above
  • S$192.60 for principal card and S$96.30 for each supplementary card

The OCBC 365 Card is a contender as one of the top cards for women because it offers a grand deal of everyday savings, including groceries, petrol, telco bills, and dining. This is a great card for a woman who spends on her family and herself because it covers the essential expenses while letting her earn cashback.

All OCBC 365 cardholders are entitled to 6% cashback at Caltex stations. For all other petrol stations, they can also get a 5% cashback for the purchase.

If you’re looking for an all-in-one, no-frills card to consolidate all your expenses, this card is the most sensible out of the lot!

OCBC 365 Credit Card

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Which women’s card will you get?

Given the fact that their shopping behavior differs from that of men’s, these cards are specially designed to be more compatible with women. If you’re looking for a women’s card to complement your spending habits, we hope this article has helped to make your decision process much simpler.

What are your experiences with credit cards as a female? Are there any perks you wish card companies will implement in the future? Let us know in the comments section below!


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OCBC 365 Review Singapore

OCBC 365 Credit Card Review