The modern Singaporean woman wears many hats – the corporate leader, mother, wife, or perhaps, carving her niche in a male-dominated domain. Whether you are paying for a business lunch, shopping for your next luxury bag or buying grocery for the family, you can do with a little help with the right credit card. Here, we list some of the best credit cards that cater to the needs of three types of Singaporean women.
Related: Best Cashback Credit Cards in Singapore 2024
For the High-Flyer: UOB Lady’s Card
Are you one of those sharp-looking ladies always immaculately dressed in a pencil skirt, high heels and carrying the latest Chanel/Louis Vuitton/Celine bag? If you love buying luxury goods but are also consistently on top of your finances, then the UOB Ladies card is made for you.
UOB Lady's Card
What makes UOB Lady's Card unique is that it allows you to select a preferred spend category, be it beauty, dining, entertainment or fashion, and accelerate your accrual of miles on the selected category
Pros
- High miles rewards (30 miles per $5 spent) on two categories of spending
- No minimum spend
Cons
- Cap of 2,800 bonus UNI$ (5,600 miles, equivalent to S$1,000 spend) per month
- Points have a 2 year expiry
The main attractive feature of the UOB Lady’s Card that is it offers you the freedom to define your own rewards across categories from fashion to dining, beauty and wellness, family, transport, entertainment, and travel. You also have the flexibility to change your spending categories every quarter to suit your ever-changing lifestyle and reap the rewards along the way. You are able to earn up 4 miles per S$1 spend on your preferred categories. If you are a big spender on things like luxury fashion, dining or even travel, these miles could rack up very quickly and translate to big savings on airlines tickets for your next trip.
Of course, this is just the basic rewards of the UOB Lady’s card. As part of the shopping and dining benefits of this credit card, you’ll also get to enjoy exciting deals specially curated for you ranging from facials, workout packages and many more. Not only will you be able to earn rewards while you spend, you will also be privy to deals that are exclusive to UOB ladies card holders.
Related: Best Air Miles Credit Cards in Singapore 2024
For the Avid Traveller: DBS Woman’s World Credit Card
The DBS Woman’s World Credit Card is also a great option for women who are avid travellers looking to maximise their returns. On a day-to-day basis, you are able to earn up to 1X DBS Points (0.4miles) on everyday spend, 3X DBS points (1.2 miles) on overseas purchases and 10X DBS Points (or 4 miles) per S$1 spent on online purchases. This is comparable with other miles cards in terms of rewards for daily spend.
DBS Woman's Card
DBS Woman's Card has great miles earning potential for frequent shoppers and travelers.
Read Full Review
Pros
- Good rewards for online shopping
- Online purchase protection
- 0% interest payment plans available
Cons
- Limited rewards categories, no rewards earned for non-online shopping local spend
Where is starts to get more enticing is the card’s travel specific perks. You can earn up to 10% cashback on accomodation bookings with Booking.com and get 10% off emirates flights with the DBS Woman’s credit card. You can significantly reduce the cost of your holidays by taking advantage of these perks while planning your trip.
On top of that, the DBS Woman’s World Card offers 0% Interest for payment plans ranging form 3 to 24 months. This gives you the option to finance your travels for at much lower cost than if you were to simply charge it to your credit card, allowing you to travel without breaking the bank.
Related: Top 5 Tips for Using Credit Cards Overseas
For the Social Butterfly: HSBC Revolution Credit Card
HSBC Revolution Credit Card
Great for social spenders who shop online with no annual fee.
Pros
- Great rewards for online shopping and contactless payments
- No-fee card
Cons
- Lacks rewards for frequent travellers who spend large amounts overseas
- Not suitable for low budgets
The HSBC Revolution Credit Card is a great option for ladies with an avid social life.
You are able to earn 10X reward points (which equates to 4 miles or 2.5% cashback) per S$1 spend when you make contactless payments through Visa payWave, Apple Pay or Google Pay. You are able to earn amazing rewards on pretty much all categories of in-person spending, be it a quick coffee chat up with a long lost acquaintance or weekend brunch with your closest friends. This, coupled with the 10X rewards points you can also earn on your online shopping, means that the HSBC Revolution Card is a great option that allows you to earn rewards on almost all of your monthly expenses.
One of the best things about the HSBC Revolution Credit Card is that it does not charge any annual fees. You are able to spend at ease without any worry about additional fees and charges eating in your rewards.
These are just a few credit card that we think could greatly benefit the modern Singaporean woman. If you would like to learn more about other credit cards on the market, check out our credit card resources for more information.
Compare The Best Credit Cards in SingaporeFind Out More
Read More:
- Best Air Miles Credit Cards in Singapore 2024
- Best Cashback Credit Cards in Singapore 2024
- Travel Essentials for Every Trip – Travel Insurance, Miles Credit Card, Etc
- International Women’s Day – Does Pink Tax Affect Gender Equality in Singapore?
- Everything You Need to Know To Optimise Credit Card Rewards Points Redemption
Cover image source: Unsplash
This content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation or endorsement by AMTD PolicyPal Group in this or in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Under AMTD Digital, AMTD PolicyPal Group consists of PolicyPal Pte. Ltd., Baoxianbaobao Pte. Ltd., PolicyPal Tech Pte. Ltd., and ValueChampion.