credit cards for women l Moneymax

Women are nurturing by nature. We usually prioritize the needs of others—our children, parents, or partner—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 2022

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

credit cards for women - for the practical tita citi cashback

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

credit cards for women - citi cash back
  • Up to 6% cash back on supermarket purchases
  • Up to 2% cash back on monthly bills
  • 0.20% 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: 2%
  • Required minimum monthly income: ₱15,000 for existing cardholders, ₱20,833 for first-timers.
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Read more: Citibank Credit Card Application: An Easy 5-Step Guide

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 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

credit cards for women - aub classic mastercard
  • 1 rewards point per ₱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: ₱21,000

For the Online Shopaholic: UnionBank Lazada 

credit cards for women - 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: 2%
  • Required minimum monthly income: ₱30,000

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 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 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: 2%
  • Required minimum monthly income: ₱16,667
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Read more: Moneymax Reviews: 4x the Fun with HSBC Red Mastercard

For the Health-Conscious Woman: Mercury Drug Citi Card

credit cards for women - health conscious 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 as rebates and free ambulance service.

📌 Mercury Drug Citi Card Features

credit cards for women - mercury drug citi card
  • 1 rewards point per ₱200 spend in Mercury Drug
  • 5x rewards points on up to ₱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 ₱10,000 within Metro Manila

💸 Fees and Charges:

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

Read more: Enjoy the Citi Life: 17 Exciting Citibank Credit Card Promos This 2022

For the Female Entrepreneur: Citi Rewards Card

credit cards for women - female entrepreneur citi rewards

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

credit cards for women - citi rewards card
  • 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 card receipt
  • Interest rate: 2%
  • 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?

For the Foodie: HSBC Gold Visa Cash Back

credit cards for women - foodie hsbc gold visa

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

credit cards for women -hsbc gold visa
  • 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: ₱2,500 (waived on the first year)
  • Interest rate: 2%
  • Required minimum monthly income: ₱16,667

Read more: Get Your Grub On with these Credit Card Dining Promos for 2022

For the Free-Spirited Millennial: RCBC Bankard Flex Visa

credit cards for women - millennial RCBC Bankard 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

credit cards for women - rcbc flex visa
  • 2x rewards points in any two of the following spending categories: travel, transportation, clothing, and dining
  • 1 rewards point per ₱50 spend elsewhere
  • Free travel insurance and purchase protection
  • Skyview Airport Lounge access

💸 Fees and Charges:

  • Annual fee: ₱1,500
  • Interest rate: 2%
  • 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

credit cards for women - pampering enthusiast metrobank

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

Read more: 12 Exciting Metrobank Credit Card Promos You Shouldn’t Miss

For the Solo Female Traveler: UnionBank Miles+ Platinum Visa

credit cards for women - female traveler UnionBank Miles+ Platinum Visa

Solo backpacking’s the trend 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

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
  • Redeem as much as 1.2% cashback with your Miles+ points
  • 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: 2%
  • Required minimum monthly income: ₱50,000

For the Boss Lady: Citi Prestige Card

credit cards for women - boss lady Citi Prestige Card

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

credit cards for women - citi prestige card
  • 5x rewards points on shopping, dining, and foreign currency spend
  • Citi ThankYou Rewards Program
  • 24/7 Global Concierge service

💸 Fees and Charges:

  • Annual fee: ₱12,000
  • Interest rate: 2%
  • Required minimum monthly income: ₱83,333

Read more: Swipe and Save: Best Credit Card Promos to Check Out This 2022

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!

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Source: [1] HSBC Red Mastercard Page