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

Published: March 22, 2021 | Updated: October 26, 2021 | Posted by: Moneymax | Credit Card


Credit Cards for Women in the 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? 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 2021

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 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 PHP 12,000 every year.

📌 Citi Cash Back Features

  • Up to 6% cash back on supermarket purchases
  • Up to 2% cash back on monthly bills
  • 0.20% cash back on all other purchases
  • Get FREE PHP 2,000 GCash from Moneymax! (Until March 31, 2021 only)
  • Discounts and other deals in the Philippines and more than 90 countries

💸 Fees and Charges:

  • Annual fee: PHP 3,500
  • Interest rate: 2%
  • Required minimum monthly income: PHP 15,000 for existing cardholders, PHP 20,833 for first-timers.

Read more: Citibank Credit Card Application: An Easy 5-Step Guide

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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, 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 Features

  • 1 rewards point per PHP 50 spend
  • Choose when, how many times, and how much to pay for your balance
  • Get as many supplementary cards without paying annual fees

💸 Fees and Charges:

  • Annual fee: No annual fee for life
  • Interest rate: 2%
  • Required minimum monthly income: PHP 21,000

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

For the Online Shopaholic: UnionBank Lazada 

credit cards for women - unionbank lazada

Ladies who often shop online should consider getting a UnionBank Lazada credit card. This latest co-branded credit card from UnionBank allows cardholders to earn 6x Lazada credits for every PHP 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 PHP 200 spent on the Lazada app
  • Score special vouchers from Lazada
  • Contactless payment ability
  • Free PHP 5,000 Lazada Wallet Credits for newly-approved cardholders

💸 Fees and Charges:

  • Annual fee: PHP 3,000
  • Interest rate: 2%
  • Required minimum monthly income: PHP 30,000

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, 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 Features

  • 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
  • Exclusive privileges in 160 countries worldwide

💸 Fees and Charges:

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

Read more: HSBC Credit Card Application: A Step-by-Step Guide for First-Timers

For the Health-Conscious Woman: Mercury Drug Citi Card

credit cards for women - mercury drug citi card

Getting healthy and fit can be affordable when you make the right meal choices, look for gyms with affordable memberships (or simply 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 on different types of purchases and other great perks such rebates and free ambulance service.

📌 Mercury Drug Citi Card Features

  • 1 rewards point per PHP 200 spend in Mercury Drug
  • 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
  • Annual 24/7 ambulance service worth PHP 10,000 within Metro Manila
  • Get FREE PHP 2,000 GCash from Moneymax! (Until March 31, 2021 only)

💸 Fees and Charges:

  • Annual fee: PHP 2,000
  • Interest rate: 2%
  • Required minimum monthly income: PHP 15,000 for existing cardholders, PHP 20,833 for first-timers.

Read more: 15 Exciting Citibank Promo Offers to Check Out This Year

For the Female Entrepreneur: Citi Rewards Card

credit cards for women - 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 for expanding your venture.

📌 Citi Rewards Card Features

  • 1 rewards point per PHP 30 spend
  • Earn 3x rewards points when you shop and dine
  • Non-expiring points — use your points anytime, anywhere!
  • Get FREE PHP 2,000 GCash from Moneymax! (Until March 31, 2021 only)

💸 Fees and Charges:

  • Annual fee: Free when you spend at least PHP 20,000 within 60 days from card receipt
  • Interest rate: 2%
  • Required minimum monthly income: PHP 15,000 for existing cardholders, PHP 20,833 for first-timers.

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 that lets you save money when paying at restaurants!

📌 HSBC Gold Visa Cash Back Features

  • 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 purchases
  • Exclusive privileges in 160 countries worldwide

💸 Fees and Charges:

  • Annual fee: PHP 2,500
  • Interest rate: 2%
  • Required minimum monthly income: PHP 16,667

Read more: Get Your Grub On with these Credit Card Dining Promos for 2021

For the Free-Spirited Millennial: RCBC Bankard Flex Visa

credit cards for women - rcbc flex visa

Nothing should hold back independent women. When it comes to credit cards for women, it’s best to have one that allows maximizing rewards on regular purchases. This makes the RCBC Flex Visa 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.

📌 RCBC Bankard Flex Visa Features

  • 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
  • Tap and pay at Visa payWave merchants

💸 Fees and Charges:

  • Annual fee: PHP 1,500
  • Interest rate: 2%
  • Required minimum monthly income: PHP 20,833

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, the Metrobank Femme Visa. If self-care is among your spending priorities, then this is the best credit card for you.

📌 Metrobank Femme Visa Features

  • Earn 1 rewards points for every PHP 20 spend
  • Get up to 50% discount on participating merchants
  • Contactless credit card

💸 Fees and Charges:

  • Annual fee: PHP 2,000
  • Interest rate: 2%
  • Required minimum monthly income: PHP 15,000

Read more: 10 Metrobank Credit Card Promos You Shouldn’t Miss

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 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 Features

  • Earn 1.5 rewards point per PHP 25 travel-related spend
  • Earn 1 rewards point per PHP 25 regular spend
  • Redeem as much as 1.2% cashback with your Miles+ points
  • Convert your points to miles from PAL or Cebu Pacific
  • Up to PHP 10 million travel insurance

💸 Fees and Charges:

  • Annual fee: PHP 3,000
  • Interest rate: 2%
  • Required minimum monthly income: PHP 50,000

For the Lady Boss: Citi Prestige Card

credit cards for women - citi prestige

Citi Prestige is one of the best credit cards for women with a sophisticated and luxurious lifestyle. 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
  • Unlimited access to over 1,000 VIP airport lounges worldwide
  • 24/7 Global Concierge service
  • Get FREE PHP 2,000 GCash from Moneymax! (Until March 31, 2021 only)

💸 Fees and Charges:

  • Annual fee: PHP 12,000
  • Interest rate: 2%
  • Required minimum monthly income: PHP 1,000,000

Discover more credit card promos: Best Credit Card Promos to Check Out and Avail in 2021

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, and compare credit cards so you can get the ideal credit card for you!

Get a credit card today!

Source: [1] HSBC Red Mastercard Page