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:
Read on for more details and options!
📌 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
🎁 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

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
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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
Read more:
- Moneymax Reviews: Online Shopping Overload with UnionBank Lazada Credit Card
- Don’t Miss These 16 UnionBank Credit Card Promos This 2023
📌 For the Female Entrepreneur: UnionBank Classic Visa Card

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

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 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
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