11 Credit Cards for Women in the Philippines 2020

March 11, 2020 | Posted by: Venus Zoleta | Credit Card

March 11, 2020


Get a Citibank credit card!

Best Credit Cards for Women Philippines | Moneymax

Women are nurturing by nature. We usually prioritize the needs of others—children, parents, partners, etc.—over our own. But have you ever considered your own needs like self-care? This is an especially important factor when shopping for credit cards for women.

Do you love shopping, traveling, or pampering yourself to de-stress? Don’t feel guilty about it! There’s no wrong in that, as long as you don’t overspend. Using a credit card that lets you save money while enjoying good things in life is also a must.

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

Best Credit Cards for Women in 2020

For the Practical Tita: Citi Cash Back Card

Credit Cards for Women - Citi Cash Back Card

Cashback credit cards for women help cardholders get the most out of their purchases. Citibank’s Cash Back credit card[1] offers the highest rebate rate among cashback credit cards in the Philippines, allowing cardholders to accumulate non-expiring rebates and save as much as PHP 12,000 every year.

Citi Cash Back Benefits

  • Up to 6% rebate on supermarket purchases
  • Up to 2% rebate on Meralco bill payments
  • 0.20% rebate on all other purchases
  • PHP 5,000 welcome e-gift for new cardholders
  • Discounts and other deals in the Philippines and more than 90 countries

Annual fee: PHP 3,500 (waived for the first year)

Interest rate: 3.50%

Required minimum monthly income:

  • If existing credit cardholder: PHP 15,000
  • If first-time cardholder: PHP 20,833.33

Read more:

For the Frequent Shopper: HSBC Red Mastercard

Credit Cards for Women - HSBC Red Mastercard

One of the best credit cards for women who love to shop, the HSBC Red Mastercard[2] has a high rewards earn rate that allows the cardholder to accumulate points fast. Rewards points can be redeemed for shopping gift certificates, appliances and other items, air miles, annual fee waiver, and more.

HSBC Red Mastercard Benefits

  • 4x bonus points per PHP 20 spend on shopping, dining, overseas, and online transactions
  • 6% initial rebate plus 3% all-year rebate on Caltex fuel purchase
  • 0% installment plan for up to 36 months
  • Exclusive privileges in 160 countries worldwide

Annual fee: PHP 1,500 (waived for the first year)

Interest rate: 3.50%

Required minimum monthly income: PHP 16,667.67

Read more:

For the Mom on a Budget: AUB Classic Mastercard

Credit Cards for Women - AUB Classic Mastercard

Mothers who need to stretch their household budget can find credit cards that help them manage their family’s finances better.

The AUB Classic Mastercard[3], for example, lets you save on credit card fees such as the annual fee. It also allows enrolling an unlimited number of supplementary credit cards, so you can get your children their own card to use during an emergency.

AUB Classic Mastercard Benefits

  • 1 rewards point per PHP 20 spend
  • Choose when, how many times, and how much to pay for your balance
  • Get as many supplementary cards without paying annual fees

Annual fee: No annual fee for life

Interest rate: 3.50%

Required minimum monthly income: PHP 21,000

Read More: Credit Cards With No Annual Fee in the Philippines

For the Pampering Enthusiast: Metrobank Femme Visa

Credit Cards for Women - Metrobank Femme Visa

Metrobank offers one of the few credit cards for women in the Philippines: Femme Visa[4]. If self-care is among your spending priorities, then this is the best credit card for you.

Metrobank Femme Visa Benefits

  • Exclusive privileges on shopping, beauty treatments, and wellness services
  • One rewards point for every PHP 20 spent on the credit card

Annual fee: PHP 2,000 (waived for the first year)

Interest rate: 3.54%

Required minimum monthly income: PHP 15,000

For the Health-Conscious Woman: Mercury Drug Citi Card

Credit Cards for Women - Mercury Drug Citi Card

There’s this misconception that getting healthy and fit is expensive. You actually have several ways to save money while maintaining a healthy lifestyle. Make the right meal choices, look for gyms with affordable memberships (or simply exercise at home), practice meditation, and more.

Choose the right credit card for your medical needs, too. One of the best credit cards for women who often spend on health and wellness is the Mercury Drug Citi[5]. This Citibank credit card provides generous rewards on different types of purchases and other great perks such as free annual physical exam and ambulance service.

Mercury Drug Citi Card Benefits

  • 1 rewards point per PHP 200 spend everywhere (except for non-Mercury Drug drugstores)
  • 5x rewards points on up to PHP 320,000 monthly spend in Mercury Drug
  • 3x rewards points on health, beauty and wellness spend in salons, gyms, spas, clinics, and all hospitals
  • 3x rewards points on foreign currency transactions
  • Free PHP 5,000 cash credits for new cardholders (until March 31, 2020)
  • Free annual physical exam (until June 30, 2020)
  • Annual 24/7 ambulance service worth PHP 10,000 within Metro Manila

Annual fee: PHP 2,000

Interest rate: 3.50%

Required minimum monthly income:

  • If existing credit cardholder: PHP 15,000
  • If first-time cardholder: PHP 20,833.33

Related: 16 Co-Branded Credit Cards That Can Help You Save Money

For the Foodie: HSBC Gold Visa Cash Back

Credit Cards for Women - HSBC Gold Visa Cash Back

The stereotype of males taking care of the bill when on a date is so outdated. Show your date that you can pay for your share of the dining bill. Use a credit card like the HSBC Gold Visa Cash Back[6] that lets you save money when paying at restaurants.

HSBC Gold Visa Cash Back Benefits

  • Up to 5% cashback on dining transactions
  • 0.50% cashback on all other purchases
  • 6% initial rebate plus 3% all-year rebate on Caltex fuel purchase
  • 0% installment plan for up to 36 months
  • Exclusive privileges in 160 countries worldwide

Annual fee: PHP 2,500 (waived for the first year)

Interest rate: 3.50%

Required minimum monthly income: PHP 16,667.67

For the Solo Female Traveler: UnionBank Miles+ Platinum Visa

Credit Cards for Women - Unionbank Miles Platinum Visa

Solo backpacking is the trend nowadays for women in their 20s and 30s. If you want to explore the world while saving money on your trips as a solo female traveler, then this UnionBank credit card[7] is a must in your wallet. It lets you earn higher rewards on your travel-related expenses, with perks like free travel insurance and airport lounge access.

UnionBank Miles+ Platinum Visa Benefits

  • 1.5 rewards point per PHP 25 travel-related spend
  • 1 rewards point per PHP 25 daily spend
  • Free airport lounge access at NAIA Terminals 1 and 3
  • Up to PHP 10 million travel insurance

Annual fee: PHP 3,000

Interest rate: 3.50%

Required minimum monthly income: PHP 83,333.33

For the Free-Spirited Millennial: RCBC Bankard Flex Visa

Credit Cards for Women - RCBC Bankard Flex Visa

For independent women, nothing should hold them back. When it comes to credit cards, it’s best to have one that allows maximizing rewards on certain purchases regularly made. This makes the RCBC Flex Visa[8] the ideal card for free-spirited young adults. As a cardholder, you have to freedom to choose which spending categories you want to double your rewards.

RCBC Bankard Flex Visa Benefits

  • 2x rewards points in any two of the following spending categories: travel, transportation, clothing, and dining
  • 1 rewards point per PHP 50 spend elsewhere
  • Free travel insurance and purchase protection
  • Free access to the Skyview Airport Lounge at NAIA Terminal 3

Annual fee: PHP 1,500

Interest rate: 3.50%

Required minimum monthly income: PHP 20,833.33

For the Online Shopaholic: BPI eCredit

Credit Cards for Women - BPI eCredit

BPI cardholders who often shop online should get a BPI eCredit card[9] for secure and worry-free internet transactions. It’s a separate virtual credit line with its own credit card number, so the regular BPI credit card number and credit line are protected against internet fraud.

BPI eCredit Benefits

  • Free companion card to any BPI Mastercard (upon request)
  • Comes with a lower credit limit and a different credit card number

Annual fee: No annual fee for life

Interest rate: 3.50%

Read more:

For the Female Entrepreneur: UnionBank Corporate Visa

Credit Cards for Women - Unionbank Corporate Visa

Need a credit card for managing the finances of your growing business? Get yourself and your employees this UnionBank corporate card program[10]. It enables you to easily monitor business expenses, and your employees to use a credit card for business-related transactions instead of requesting reimbursements or taking out petty cash.

UnionBank Corporate Visa Benefits

  • 1 rewards point per PHP 20 spend or 0.5% cashback
  • 24/7 web-based system that automates and customizes expense reporting and management
  • Up to PHP 5 million travel insurance
  • Free access to Club Manila Lounge at NAIA Terminal 1
  • Free printing of brand image or logo on the card

Annual fee: PHP 1,500 per card

Interest rate: 3.50%

Related: 10 Credit Cards for Young Entrepreneurs in the Philippines

For the Lady Boss: Citi Prestige Card

Credit Cards for Women - Citi Prestige Card

This Citibank card [11] is one of the best credit cards for women with a sophisticated and luxurious lifestyle. It provides generous rewards and travel perks worldwide.

Citi Prestige Card Benefits

  • 5x rewards points on shopping, local dining, and all foreign currency spend
  • 1 rewards point per PHP 30 spend on other purchases
  • Free unlimited fourth-night stay at any hotel
  • Complimentary unlimited VIP airport lounge access worldwide
  • Free two Airport Meet and Assist services and two one-way luxury airport transfers at select airports per year
  • 24/7 global concierge service
  • Free roundtrip ticket to Japan (worth 120,000 rewards points) for new cardholders (until March 31, 2020)

Annual fee: PHP 12,000

Interest rate: 3.50%

Required minimum monthly income: PHP 83,333.33

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. Let Moneymax help you find the perfect card with its free online credit card comparison tool.

Get a credit card today!

Sources: