Best Credit Cards for Women
A couple of cards are marketed to women and let you earn boosted rewards on categories like online shopping, fashion and beauty. They are not restricted to women, and the real value is in those bonus categories rather than the label, so it is worth comparing them against strong general cards too.
- 1Miles
Why it fits: Lets you pick your own bonus category each quarter to earn boosted miles, with a low income bar.
Annual fee S$196.20 · Min income S$30,000
Pros
- +You choose your own 4 mpd bonus category (dining, travel, fashion, beauty & wellness, family, transport or entertainment) and can change it every quarter
- +Low S$30,000 income bar makes it accessible to fresh-grads and first-time miles cardholders
- +First-year annual fee waived; UNI$ convert to miles at a 2:1 ratio across multiple airline programmes
- +Pairing with the UOB Lady's Savings Account can lift the bonus rate up to 10 mpd
Cons
- −The 4 mpd bonus applies to only one category at a time and is capped at S$1,000 of spend per calendar month on the standard card
- −Base rate of 0.4 mpd on all non-bonus and most foreign spend is weak
- −No complimentary airport lounge access
- −UNI$ expire after 2 years and transfers require a 5,000 UNI$ minimum block, which is awkward for low spenders
- Miles
Why it fits: Among the highest online miles earn rates, useful if you shop online a lot.
Annual fee S$196.20 · Min income S$80,000
Pros
- +Earns 4 miles per dollar (10X DBS Points) on online spend, one of the higher online miles rates in Singapore
- +Online bonus applies to both local and foreign-currency online transactions, while base overseas in-store spend earns 1.2 mpd (3X DBS Points)
- +First-year annual fee is waived, and the fee can otherwise be waived with S$25,000 of annual spend
Cons
- −4 mpd bonus is capped at only S$1,000 per calendar month (cut from S$2,000 to S$1,500 in Mar 2024, then to S$1,000 in Aug 2025); spend above the cap earns just 0.4 mpd
- −Base local non-online earn rate is a low 0.4 miles per dollar
- −From 1 August 2026 DBS is removing the automatic annual-fee waiver, so the S$196.20 fee must be actively waived via spend or a call
- −Overseas spend carries a foreign-currency fee of around 3.25%
- Rewards points
Why it fits: No annual fee, strong on online and contactless spend, a solid all-rounder.
No annual fee · Min income S$65,000
Pros
- +No annual fee, permanent — no waiver to chase
- +Up to 4 mpd (10X points) on online/contactless spend
- +Beginner-friendly, simple day-to-day
- +Rewards points convertible to miles via Visa
Cons
- −4 mpd capped at ~S$1,000/month spend
- −High rate limited to eligible online/contactless spend
- −Low base earn ~0.4 mpd on everything else
- 4Cashback
Why it fits: Broad everyday cashback across dining, groceries and bills.
Annual fee S$196.20 · Min income S$30,000
Pros
- +Strong everyday cashback: 5% dining/food delivery, 3% groceries
- +Up to 6% cashback on petrol
- +Annual fee waived first 2 years, then on S$10k yearly spend
- +Cashback covers food delivery, not only dine-in
Cons
- −Needs roughly S$800/mo spend to earn bonus cashback
- −Monthly cashback cap limits how much you can earn
- −S$196.20 annual fee if yearly spend stays under S$10k
Frequently asked questions
- Are women's credit cards only for women?
- The marketing is aimed at women, but eligibility is not restricted by gender. What sets these cards apart is their bonus categories, such as online shopping and beauty, not who can apply.
- Is a women's card better than a normal cashback or miles card?
- Only if its bonus categories match your spending. If you shop online a lot, the boosted online rate can be excellent; if not, a strong general cashback or miles card may serve you better. Compare the actual earn rates for how you spend.