10 Best Credit Cards for Women in the Philippines

by Venus Zoleta, on category "Credit Card"

March 27, 2019


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.

1. Citi Cash Back

Best Credit Cards for Women Philippines - Citi Cash Back

Cashback credit cards for women help cardholders get the most out of their purchases. Citibank’s Cash Back credit card 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
  • 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: PHP 15,000

2. HBC-RCBC Bankard Mastercard

Best Credit Cards for Women Philippines - HBC-RCBC Bankard Mastercard

Can’t live without your kikay stuff? If you’re a frequent shopper at HBC, you can get money-saving deals with the HBC-RCBC Bankard.

HBC-RCBC Bankard Mastercard Benefits

  • One rewards point for every PHP 50 to PHP 200 purchase (depending on merchant)
  • Up to 10% rebate for HBC purchases
  • 0.25% rebate for purchases at non-HBC stores
  • Up to 10% discount at HBC stores and partner merchants (Automatic Centre, BLIMS Fine Furniture, Manels, Silverworks, etc.)
  • Travel insurance coverage of up to P50,000
  • Purchase protection coverage of up to P50,000
  • Free facial treatment on the cardholder’s birthday
  • Members-only sale every quarter
  • Access to events (hairstyling seminar, make-up seminar, etc.)

Annual fee: PHP 80 monthly (total of PHP 960 per year)

Interest rate: 3.54%

3. Metrobank Femme Visa

Best Credit Cards for Women Philippines - Metrobank Femme Visa

Metrobank offers one of the few credit cards for women in the Philippines: Femme Visa. 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

4. Metrobank Femme Signature Visa

Best Credit Cards for Women Philippines - Metrobank Femme Signature Visa

Made for higher-income earners, Metrobank Femme Signature Visa comes with more travel-related benefits than Femme Visa. It’s one of the best credit cards for women who often travel abroad.

Metrobank Femme Signature Visa Benefits

  • One rewards point for every PHP 20 spent on the credit card
  • Triple rewards for hotel accommodations, spas, salons, and hospital bills
  • Up to PHP 5 million travel insurance coverage
  • Access to more than 600 VIP airport lounges worldwide
  • 24-hour VIP concierge service
  • 24/7 worldwide assistance on credit card-related needs (lost/stolen card reporting, emergency cash advance, emergency card replacement)

Annual fee: PHP 4,500 (waived for the first year)

Interest rate: 3.54%

Required minimum monthly income: PHP 66,666.67

citibank credit cards

5. BDO Forever 21 Mastercard

Love shopping at Forever 21? Make it more sulit by getting yourself a BDO credit card that provides generous rewards and benefits for your purchases.

BDO Forever 21 Mastercard Benefits

  • Triple rewards points for every PHP 200 spent in Forever 21 branches in the Philippines
  • One rewards point for every PHP 200 local or international purchase
  • 10% daily discount for a minimum PHP 3,000 purchase at Forever 21
  • 21% discount every Friday for a minimum PHP 5,000 purchase at Forever 21
  • 10% rebate for a minimum PHP 5,000 purchase anywhere on the cardholder’s birth month
  • Priority access to Forever 21 sale events
  • Special priority lanes at fitting rooms and payment counters in all Forever 21 branches nationwide

Annual fee: PHP 200 monthly (waived for the first year)

Interest rate: 3.25%

Required minimum monthly income: PHP 15,000

Read more:

6. BDO ShopMore Mastercard

Best Credit Cards for Women Philippines - BDO ShopMore Mastercard

The ShopMore Mastercard is one of the best credit cards for women who frequently shop at SM malls.

BDO ShopMore Mastercard Benefits

  • 0.50 peso point for every PHP 200 purchase anywhere (Accumulated points can be used to pay for purchases at any SM Advantage partner merchant.)
  • Free SM Advantage Card
  • Rebates on select days at The SM Store, partner retail stores, and participating SM Retail Affiliates

Annual fee: PHP 125 monthly (total of PHP 1,500 per year; waived for the first year)

Interest rate: 3.50%

Required minimum monthly income: PHP 15,000

7. BPI Amore Visa

Best Credit Cards for Women Philippines - BPI Amore Visa

Is shopping the name of your game? If you often shop at an Ayala Mall, then the BPI-Ayala Malls Amore Visa is your best bet. Earn rebates for qualified purchases and save up to PHP 15,000 per year.

BPI Amore Visa Benefits

  • Up to 4% rebate for every PHP 1,000 purchase at partner merchants at Ayala Malls
  • Discounts and freebies from select partner merchants at Ayala Malls
  • Unlimited access to customer and family lounges
  • 5% off on Ayala Cinema tickets
  • Express lane for Ayala cinema ticket payment

Annual fee: PHP 2,050

Interest rate: 3.50%

Required minimum monthly income: PHP 15,000

Read more: Quick and Easy Guide to BPI Credit Card Application

8. BPI Amore Visa Platinum

Best Credit Cards for Women Philippines - BPI Amore Visa Platinum

If you’re a high-income earner and want to save more on your shopping at Ayala Malls, BPI-Ayala Malls Amore Visa Platinum makes a perfect choice.

BPI Amore Visa Platinum Benefits

The Amore Visa Platinum provides the same benefits as the Amore Visa (See the list on the previous item). The only difference is that the Platinum card allows a higher maximum rebate per year at PHP 25,000.

Annual fee: PHP 5,000

Interest rate: 3.50%

Required minimum monthly income: PHP 83,333.33

Read more:

9. EastWest Dolce Vita Titanium Mastercard

EastWest Bank offers a credit card that’s tailor-fit for women’s needs: the Dolce Vita Titanium Mastercard. It’s the ideal card to use if you often avail of health, beauty, and wellness services.

EastWest Dolce Vita Titanium Mastercard Benefits

  • One rewards point for every PHP 100 spent (Accumulated credit card rewards can be redeemed for gift certificates at partner merchants, annual fee waivers, or charity donation.)
  • Discounts, installment deals, and other special offers on purchases (cosmetics, perfumes, bags, etc.) with partner merchants
  • Discounts and privileges on health, beauty, and wellness services with partner merchants
  • Pampered by Dolce Vita credit card promo: Free beauty treatment for a minimum PHP 20,000 purchase using the Dolce Vita Titanium Mastercard anywhere

Annual fee: PHP 2,000

Interest rate: 3.50%

Required minimum monthly income: PHP 25,000

10. Mango-RCBC Bankard Mastercard

Best Credit Cards for Women Philippines - Mango-RCBC Bankard Mastercard

This RCBC credit card for women provides great rewards for fashion purchases at Mango stores. You can even use the Mango-RCBC Bankard to pay for your purchases in installments.

Mango-RCBC Bankard Mastercard Benefits

  • One rewards point for every PHP 125 or PHP 250 purchase in supermarkets, pharmacies, or gasoline stations (Accumulated points can be redeemed for Mango shopping vouchers)
  • 0% installment at three or six months at any Mango store
  • Members-only sale
  • Travel insurance coverage of up to P50,000
  • Purchase protection coverage of up to P50,000

Annual fee: PHP 100 monthly (total of PHP 1,200 per year)

Interest rate: 3.54%

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. Moms who need to stretch their household budget can also find credit cards that provide rewards and rebates for their purchases.

compare different credit cards in the philippines