Best Credit Cards for Women in the Philippines 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
AUB Classic Mastercard	Moms on a budget
UnionBank Lazada Mastercard	Online shopaholics
HSBC Red Mastercard	Frequent shoppers
UnionBank Classic Visa Card	Hands-on entrepreneurs
HSBC Gold Visa Cash Back	Avid foodies
RCBC Flex Visa	Free-spirited individuals looking for flexibility

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

🎁 Free Gift from Moneymax: ₱2,500 eGift, ₱2,500 SM Gift Pass, or Dolce Gusto Coffee Machine

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

Promo period: Until October 31, 2023

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 a free eGift voucher worth ₱2,500, an SM Gift Pass worth ₱2,500, or a Nescafé Dolce Gusto Piccolo XS coffee machine (worth ₱5,199).

Per DTI Fair Trade Permit No. FTEB-173270 Series of 2023. Terms and conditions apply. This Moneymax HSBC Giftaway/SM Gift Pass/Dolce Gusto promo runs until October 31 only. So hurry and apply now!

📌 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

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

credit cards for women - female entrepreneur unionbank classic visa

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

UnionBank Classic Visa Card Features

1 rewards point per ₱35 spend
Up to 36 monthly installment terms at 0% interest
Automatically charge your utility bills
Free life insurance coverage up to ₱400,000

Fees and Charges

Annual fee: ₱1,500 (Free for life when you avail of the No Annual Fee promo until July 15, 2023)
Interest rate: 3%
Required minimum monthly income: ₱15,000

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

Eligible card: UnionBank Rewards Credit Card

Promo period: Until October 31, 2023

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 October 31 only. Per DTI Fair Trade Permit No. FTEB-172472 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

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

📌 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

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

📌 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

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!

Source: ^[1]HSBC Red Mastercard Page

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8 Best Credit Cards for Women in 2023