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 8 mpd (20X points) on online/contactless with S$50k in an HSBC Everyday Global Account; 4 mpd (10X) otherwise
- +Beginner-friendly, simple day-to-day
- +Rewards points convertible to miles via Visa
Cons
- −Bonus rate capped (~S$1,000/month regular tier; ~S$1,200 enhanced)
- −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
Same label, different jobs: UOB Lady's vs DBS Woman's World
The two women-marketed cards look interchangeable but work very differently. The UOB Lady's Card lets you nominate one bonus category — dining, travel, fashion, beauty and wellness, family, transport or entertainment — and change it every quarter, which suits spending that shifts with life: a travel-heavy year, a wedding, a new baby. The DBS Woman's World Card is a specialist instead: it boosts online purchases, local or foreign-currency, and does little for anything you pay in person.
Eligibility may make the choice for you. The UOB Lady's Card has one of the lower income bars among miles cards, at S$30,000 for Singapore Citizens and PRs, while DBS asks for S$80,000 for the Woman's World Card — one of the steeper requirements on this site. Early in your career, the UOB card is often the only one of the two on the table. Confirm the current figures with each bank before applying.
The women's cards are capped — pair them with a general card
Both women-marketed cards cap their boosted earn rate at S$1,000 of qualifying spend per calendar month, and anything beyond that drops to a weak base rate. If your online shopping or chosen category regularly runs past the cap, the extra spend earns close to nothing. That is the quiet reason these cards work best as one half of a pair rather than as your only card.
The general picks on this page exist to catch what the women's cards miss. HSBC Revolution has no annual fee and rewards online and contactless spend, so it can absorb overflow without costing you anything to hold — though its bonus earn has a monthly cap of its own. OCBC 365 covers everyday categories — dining, groceries, transport and bills — that neither women's card rewards unless you have nominated one of them. Route each type of spending to the card that actually pays for it.
Both women's cards pay in miles — decide if that suits you
Neither women-marketed pick is a cashback card: both earn bank points that convert into airline miles. That is excellent if you fly and redeem well, but the value is not automatic. UOB's UNI$ expire after two years and must be transferred in minimum blocks, which is awkward for lighter spenders. If you know you will not redeem, a cashback card such as OCBC 365 turns the same spending into money off your bill with none of that admin.
Read the headline rates carefully too. The UOB Lady's Card's advertised top rate assumes you also hold the matching UOB Lady's Savings Account — the card alone earns the standard bonus rate. Both cards charge an annual fee after the first year unless waived, and DBS is removing its automatic fee waiver, so check what each card costs from year two and how the waiver works before you apply.
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.
- Which bonus categories can you pick on the UOB Lady's Card?
- Seven: dining, travel, fashion, beauty and wellness, family, transport and entertainment. You nominate one at a time and can change it each quarter, and the boosted rate applies only up to a monthly spending cap. Pick the category you reliably spend the most in, and confirm the current list with UOB before applying.
- Can I hold both the UOB Lady's Card and the DBS Woman's World Card?
- Yes — they are from different banks and do different jobs, so they pair naturally: the DBS card for online spending and the UOB card for a chosen category like dining or travel. The practical hurdles are DBS's much higher income requirement and the fact that each card's boosted rate has its own monthly cap, so the pairing only pays off if you have enough spend in both lanes.