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.
11 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.
📌 For the Practical Tita: Citi Cash Back Card

Cashback credit cards for women help cardholders get the most out of their purchases. Citibank's Cash Back credit card offers one of the highest rebate rates among cashback credit cards in the Philippines. Cardholders accumulate non-expiring rebates and can save as much as ₱15,000 every year.
Citi Cash Back Features

- Up to 6% cash back on supermarket purchases
- Up to 2% cash back on monthly bills
- 0.2% cash back on all other purchases
- Discounts and other deals in the Philippines and more than 90 countries
Fees and Charges
- Annual fee: ₱4,500
- Interest rate: 3%
- Required minimum monthly income: ₱15,000 for existing cardholders, ₱20,833 for first-timers
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Read more: Citibank Credit Card Application: An Easy 5-Step Guide
📌 For the Mom on a Budget: AUB Classic Mastercard

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
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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

- 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
📌 For the 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

- 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
📌 For the Health-Conscious Woman: Mercury Drug Citi Card

To get healthy and fit, you need to make the right meal choices, exercise at home, practice meditation, and more.
You should also choose the right credit card for your medical needs. One of the best credit cards for women who often spend on health and wellness is the Mercury Drug Citi Card. This Citibank credit card provides generous rewards and great perks, such as rebates and free ambulance service.
Mercury Drug Citi Card Features

- 1 rewards point per ₱200 spend on Mercury Drug
- 5x rewards points on up to ₱320,000 monthly spend on Mercury Drug
- 3x rewards points on health, beauty, and wellness spend in salons, gyms, spas, clinics, and all hospitals
- Annual 24/7 ambulance service worth ₱10,000 within Metro Manila
Fees and Charges
- Annual fee: ₱2,000
- Interest rate: 3%
- Required minimum monthly income: ₱15,000 for existing cardholders, ₱20,833 for first-timers
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
Read more: Enjoy the Citi Life: 17 Exciting Citibank Credit Card Promos This 2023
📌 For the Female Entrepreneur: Citi Rewards Card

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

- 1 rewards point per ₱30 spend
- Earn 3x rewards points when you shop and dine
- Non-expiring points―use your points anytime, anywhere!
Fees and Charges
- Annual fee: Free when you spend at least ₱20,000 within 60 days from the card receipt
- Interest rate: 3%
- Required minimum monthly income: ₱15,000 for existing cardholders, ₱20,833 for first-timers
Read more: Moneymax Reviews: How Rewarding is a Citi Rewards Card?
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
📌 For the Foodie: HSBC Gold Visa Cash Back

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
Read more: Get Your Grub On with these Credit Card Dining Promos for 2023
📌 For the Free-Spirited 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
Read more: Moneymax Reviews: Flex Your Financial Savvy with RCBC Bankard Flex Visa
📌 For the Pampering Enthusiast: Metrobank Femme Signature Visa

Metrobank offers one of the few credit cards for women in the Philippines, the Metrobank Femme Signature Visa. If self-care is among your spending priorities, then this is the best credit card for you.
Metrobank Femme Signature Visa Features
- 1 reward point for every ₱20 spend
- 3x points on hotels, salons, spas, and hospitals
- Free travel insurance of up to ₱5 million
Fees and Charges
- Annual fee: ₱5,000
- Interest rate: 3%
- Required minimum monthly income: ₱58,333
Read more: 12 Exciting Metrobank Credit Card Promos You Shouldn’t Miss
📌 For the Solo 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

- 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
📌 For the Boss: Citi Prestige Card

Citi Prestige is one of the best credit cards for women with sophisticated and luxurious lifestyles. It provides generous rewards and travel perks worldwide, with access to a dedicated hotline and Global Concierge service.
Citi Prestige Card Features

- 5x rewards points on shopping, dining, and foreign currency spend
- Priority Pass access at over 800 VIP airport lounges worldwide
- 24/7 Global Concierge service
Fees and Charges
- Annual fee: ₱12,000
- Interest rate: 3%
- Required minimum monthly income: ₱83,333
Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.
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!

Source: [1] HSBC Red Mastercard Page