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7 Best Credit Cards for Different Types of Women in the Philippines

Venus Zoleta

Venus Zoleta

Last updated June 30, 2023

Women are nurturing by nature. We usually prioritize the needs of others—our children, parents, or partner—over our own. But do you also consider your own needs? 

Do you love shopping, traveling, or pampering yourself to de-stress? Don't feel guilty about it! There's nothing wrong with that, as long as you don't overspend. You should also shop for a credit card that lets you save money but allows you to enjoy the good things in life as well.

Take a look at these top credit cards for women—one of these may just fit your needs.

8 Best Credit Cards for Women in 2023

If you're looking for a first credit card or another credit card option this year, we've handpicked the best credit cards for busy and money-savvy Filipinas like you. Here are some of them:

Credit Card Best For Key Features
HSBC Red Mastercard
hsbc red
APPLY NOW
Frequent shoppers
  • 4x bonus points per ₱20 spend on shopping, dining, overseas, and online transactions
  • 6% initial rebate plus 3% all-year rebate on Caltex fuel purchase
  • Exclusive privileges in 160 countries worldwide
HSBC Gold Visa Cash Back
hsbc gold visa cashback
APPLY NOW
Avid foodies
  • Up to 5% cashback on dining transactions
  • 0.5% cashback on all other purchases
  • 6% initial rebate plus 3% all-year rebate on Caltex fuel purchases
  • Exclusive privileges in 160 countries worldwide
AUB Classic Mastercard
AUB_CLASSIC-300x187
COMPARE NOW
Moms on a budget
  • 1 rewards point per ₱50 spend
  • Choose when, how many times, and how much to pay for your balance
  • Supplementary card/s without annual fees
UnionBank Lazada Mastercard
unionbank lazada
APPLY NOW
Online shopaholics
  • 6x Lazada credits for every ₱200 spent on the Lazada app
  • Special vouchers from Lazada
  • Contactless payment
  • Free ₱5,000 Lazada Wallet Credits
RCBC Flex Visa
RCBC Flex Visa-4
COMPARE NOW
Free-spirited individuals looking for flexibility
  • 2x rewards points in any two of the following spending categories: travel, transportation, clothing, and dining
  • Free travel insurance and purchase protection
  • Skyview Airport Lounge access

Read on for more details and options!

📌 For the Frequent Shopper: HSBC Red Mastercard

credit cards for women - frequent shopper hsbc red mastercard

One of the best credit cards for women who love to shop, the HSBC Red Mastercard has high rewards earn rate that allows the cardholder to accumulate points fast. Rewards points can be redeemed for shopping gift certificates, appliances, air miles, annual fee waivers, and more.

HSBC Red Mastercard Features

credit cards for women - HSBC Red Mastercard
  • 4x bonus points per ₱20 spend on shopping, dining, overseas, and online transactions
  • 6% initial rebate plus 3% all-year rebate on Caltex fuel purchase
  • Exclusive privileges in 160 countries worldwide

Fees and Charges

  • Annual fee: ₱2,500 (waived on the first year[1])
  • Interest rate: 3%
  • Required minimum monthly income: ₱16,667

Read more: Moneymax Reviews: 4x the Fun with HSBC Red Mastercard


🎁 Free Gift from Moneymax: Giftaway Credits, Infinity Audio Clubz 250, or JBL Tune 520 BT

moneymax hsbc credit card promo - giftaway infinity jbl

Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate

Promo period: Until February 29, 2024

Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting free welcome gift! Choose from free Giftaway credits worth ₱2,500, Infinity Audio Clubz 250 worth ₱2,599, and JBL Tune 520 BT worth ₱3,349. 

This Moneymax HSBC Giftaway/Infinity Audio/JBL promo runs until February 29, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-184120 Series of 2024. Terms and conditions apply. 


 

📌 For the Mom on a Budget: AUB Classic Mastercard

credit cards for women - mom on a budget aub classic

Mothers who need to stretch their household budget should go for credit cards that help them manage their family's finances better.

The AUB Classic Mastercard, for example, lets you save on credit card fees such as the annual fee. You can also enroll an unlimited number of supplementary credit cards. Your child can use their own card during emergencies.

AUB Classic Mastercard Features

AUB Classic Mastercard
  • 1 rewards point per ₱50 spend
  • Choose when, how many times, and how much to pay for your balance
  • Get supplementary card/s without paying annual fees

Fees and Charges

  • Annual fee: No annual fee for life
  • Interest rate: 3%
  • Required minimum monthly income: ₱21,000

📌 For the Online Shopaholic: UnionBank Lazada Credit Card

credit cards for women - online shopaholics unionbank lazada card

Ladies who often shop online should consider getting a UnionBank Lazada credit card. This co-branded credit card from UnionBank allows cardholders to earn 6x Lazada credits for every ₱200 spent on the app. It also has a contactless payment ability for tap-and-go purchases. Cool, right?

UnionBank Lazada Features

credit cards for women - Unionbank Lazada
  • Earn 6x Lazada credits for every ₱200 spent on the Lazada app
  • Score special vouchers from Lazada
  • Contactless payment ability
  • Free ₱5,000 Lazada Wallet Credits for newly-approved cardholders

Fees and Charges

  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Required minimum monthly income: ₱30,000

Read more: 

📌 For the Female Entrepreneur: UnionBank Rewards Credit Card

credit cards for women - female entrepreneur unionbank rewards visa

Need a credit card for managing the finances of your growing business? Get yourself a UnionBank Rewards Credit Card! With its generous rewards program, this UnionBank credit card is perfect for purchasing business supplies and expanding your venture.

UnionBank Rewards Credit Card Features

  • 1 rewards point per ₱30 spend
  • 3x points for shopping and dining in the Philippines and overseas
  • Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more

Fees and Charges

  • Annual fee: ₱2,500 
  • Interest rate: 3%
  • Required minimum monthly income: ₱15,000

🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!

moneymax unionbank rewards credit card no annual fee promo

Eligible card: UnionBank Rewards Credit Card

Promo period: Until February 29, 2024

Say goodbye to annual fees forever and hello to next-level rewards with your new UnionBank Rewards Card! Just apply via Moneymax and get approved within the promo period, and then meet the ₱20,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank Rewards Credit Card No Annual Fee Promo runs until February 29, 2024 only. Per DTI Fair Trade Permit No. FTEB-178773 Series of 2023.

Note: The promo is exclusive to applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


 

📌 For the Foodie: HSBC Gold Visa Cash Back

credit cards for women - foodie hsbc gold visa

Love dining out, exploring new restaurants, and discovering hidden gems? Use a credit card like the HSBC Gold Visa Cash Back, which lets you save money when paying at restaurants!

HSBC Gold Visa Cash Back Features

credit cards for women - HSBC Gold Visa
  • Up to 5% cashback on dining transactions
  • 0.5% cashback on all other purchases
  • 6% initial rebate plus 3% all-year rebate on Caltex fuel purchases
  • Exclusive privileges in 160 countries worldwide

Fees and Charges

  • Annual fee: ₱2,500 (waived on the first year)
  • Interest rate: 3%
  • Required minimum monthly income: ₱16,667

Read more: Get Your Grub On with these Credit Card Dining Promos for 2023

📌 For the Free-Spirited Millennial: RCBC Flex Visa

credit cards for women - millennial RCBC Flex Visa

The RCBC Flex Visa is the ideal card for free-spirited young adults. As a cardholder, you have the freedom to choose which spending categories you want to double your rewards. It's one of the best credit cards for women since it allows you to maximize rewards on regular purchases.

RCBC Flex Visa Features

credit cards for women - RCBC Flex Visa
  • 2x rewards points in any two of the following spending categories: travel, transportation, clothing, and dining
  • Free travel insurance and purchase protection
  • Skyview Airport Lounge access

Fees and Charges

  • Annual fee: ₱1,500
  • Interest rate: 3%
  • Required minimum monthly income: ₱15,000

Read more: Moneymax Reviews: Flex Your Financial Savvy with RCBC Bankard Flex Visa

📌 For the Solo Traveler: UnionBank Miles+ Platinum Visa

credit cards for women - female traveler UnionBank Miles+ Platinum Visa

If you want to explore the world while saving money on your trips, then this UnionBank credit card is a must-have in your wallet. Earn higher rewards on your travel-related expenses and enjoy perks like free travel insurance and airport lounge access.

UnionBank Miles+ Platinum Visa Features

credit cards for women - UnionBank Miles+ Platinum Visa
  • Earn 1.5 rewards point per ₱25 travel-related spend
  • Earn 1 rewards point per ₱25 regular spend
  • Convert your points to miles from PAL or Cebu Pacific
  • Up to ₱10 million travel insurance

Fees and Charges

  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Required minimum monthly income: ₱50,000

Read more: Swipe and Save: Best Credit Card Promos to Check Out This 2023

Final Thoughts

The best credit cards for women are those that offer a lot of benefits for your usual spending categories, like shopping, health, beauty, and wellness. Identify your needs and budget, then compare credit cards so you can get the ideal credit card for you!

Never pay annual fees - Click here

Source: [1] HSBC Red Mastercard Page

Venus has almost 20 years of combined experience in content marketing, SEO, corporate communications, and public relations. Most of her career was spent creating informative articles on personal finance and digital marketing. She also invests in stocks, mutual funds, VUL, and Pag-IBIG MP2. Venus graduated cum laude with a Journalism degree from the University of the Philippines Diliman. A hardcore Hallyu Tita, she loves bingeing Korean shows on Netflix while bonding with her cats. Follow Venus on LinkedIn.

FINANCIAL TIP:

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