For Essentials and Lifestyle Expenses: 14 Best Credit Cards for Women

Women are nurturing by nature. We usually prioritize the needs of others—our children, parents, or partners—over our own. But do you also consider your own needs? 

Do you love shopping, traveling, or pampering yourself? Don't feel guilty about it! That's fine as long as you don't overspend. 

Shop for a credit card that lets you save money while allowing you to enjoy the good things in life. Take a look at these top credit cards for women—one may just fit your needs.

14 Best Credit Cards for Women in 2024

Whether you're looking for a first credit card or another one, we've handpicked the best women’s credit cards for busy and money-savvy Filipinas like you. Here are some of them:

Credit Card	Best For	Key Features
UnionBank Rewards Credit Card	Entrepreneurs	1 rewards point per ₱30 spend 3x points for shopping and dining in the Philippines and overseas
Metrobank Titanium Mastercard®	Online Shopaholics	1 rewards point for every ₱20 spend  2x rewards points for all online, department store, and dining spend
HSBC Red Mastercard	Frequent Shoppers	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
HSBC Gold Visa Cash Back	Foodies	Up to 5% cashback on dining transactions 1% cashback on overseas and back-to-school transactions 0.5% cashback on all other purchases
UnionBank Cebu Pacific Gold	Frequent Travelers	1 Go Reward Point for every ₱200 spend 1 Go Reward Point for every ₱100 Cebu Pacific spend Access to exclusive Cebu Pacific seat sales
RCBC Flex Visa	Free-spirited Individuals	2x rewards points for travel, transportation, clothing, or dining Complimentary travel insurance  Access to Terminal 1 and 3 PAGSS Lounge

Read on for more details and options!

📌 For Entrepreneurs 

UnionBank Rewards Credit Card

Need a credit card to manage the finances of your growing business? Get a UnionBank Rewards credit card! With its generous rewards program, this UnionBank credit card is perfect for purchasing business supplies and expanding your venture.

Features

• 1 rewards point per ₱30 spend
• 3x points for shopping and dining in the Philippines and overseas
• Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more

Fees and Charges

• Annual fee: ₱2,500 (no annual fee forever promo until March 31, 2024^[1])
• Interest rate: 3%
• Required minimum monthly income: ₱15,000

Read more: How Rewarding is a UnionBank Rewards Credit Card?

Security Bank Gold Mastercard

A credit card with a high credit limit and an excellent rewards rate is ideal for entrepreneurs—you can easily make business-related purchases and earn rewards from them. 

Use the Security Bank Gold Mastercard to conveniently make purchasing decisions, enjoy exclusive deals and discounts, and redeem various gifts as rewards. 

Features

• 1 rewards point for every ₱20 spend
• Exclusive discounts at shops and restaurants 
• Travel perks such as airport lounge access

Fees and Charges

• Annual fee: ₱2,500 
• Interest rate: 3%
• Required minimum monthly income: ₱30,000

📌 For Online Shopaholics 

UnionBank Lazada Credit Card

Ladies who often shop online should consider the UnionBank Lazada credit card. This co-branded credit card from UnionBank allows cardholders to earn 6x Lazada credits for every ₱200 spent on Lazada. 

It also has a contactless payment ability for tap-and-go purchases. Cool, right?

Features

• 6x Lazada credits for every ₱200 spent on Lazada
• Free ₱5,000 Lazada Wallet Credits for newly approved cardholders
• Special vouchers from Lazada
• Contactless payment feature

Fees and Charges

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

Read more: UnionBank Lazada Credit Card: Is It the Best Card for Online Shopping?

Metrobank Titanium Mastercard^®

Looking for credit cards to use at women’s clothing stores? Your search is finally over! The Metrobank Titanium Mastercard^® offers 2x rewards points for online, department store, and dining transactions. 

Features

• 1 rewards point for every ₱20 spend 
• 2x rewards points for all online, department store, and dining spend

Fees and Charges

• Annual fee: ₱2,500
• Interest rate: 3%
• Required minimum monthly income: ₱15,000

Read more: Love Music? Don't Miss Out on These Metrobank Welcome Gifts

📌 For Frequent Shoppers 

HSBC Red Mastercard

One of the best credit cards for women who love to shop, the HSBC Red Mastercard has a high rewards 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.

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 (meet the minimum spend of ₱18,000 within 60 days from card delivery date to avail of no annual fees for life until June 30, 2024)
• Interest rate: 3%
• Required minimum monthly income: ₱16,666

Read more: Get a Free eGift, Photo Printer, or Headphones With a New HSBC Card

BPI Rewards Card 

Shopping for daily needs is more worthwhile when you have a BPI Rewards Card. In addition to rewards points, you can also enjoy installment options at your favorite stores. Plus, it offers discounts all year round.

Features

• 1 BPI Point for every ₱35 spend
• Up to 36 months of installment payment terms
• Up to ₱2 million free insurance coverage 

Fees and Charges

• Annual fee: ₱1,550
• Interest rate: 3%
• Required minimum monthly income:₱15,000

📌 For Moms on a Budget 

Security Bank Wave Mastercard

What’s the best credit card for stay-at-home moms and housewives who mostly spend on online purchases? Get one that offers the most bang for your buck. The Security Bank Wave Mastercard makes the cut thanks to its lower interest rate and zero annual fees. 

Features

• No annual fee forever 
• Lower interest rate of 2.5%
• 1% cashback on online spend (up to ₱3,000 cashback per year)

Fees and Charges

• Annual fee: None
• Interest rate: 2.5%
• Required minimum monthly income: ₱30,000 for existing cardholders and ₱40,000 for new cardholders 

Read more: Security Bank Wave Mastercard Review: Should You Ride the Hype?

Read more: How to Get a Security Bank Credit Card Welcome Gift this March

AUB Classic Mastercard

Mothers who need to stretch their household budgets should consider credit cards to help them better manage their family's finances. The AUB Classic Mastercard, for example, lets you save on the annual fee. You can also enroll an unlimited number of supplementary credit cards, which your children can use during emergencies.

Features

• 1 rewards point per ₱50 spend
• Flexibility on when, how many times, and how much to pay for your balance
• Free annual fees for supplementary card/s

Fees and Charges

• Annual fee: No annual fee for life
• Interest rate: 3%
• Required minimum monthly income: ₱50,000

📌 For Foodies 

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!

Features

• 5% cashback on dining transactions
• 1% cashback on overseas and back-to-school transactions
• 0.5% cashback on all other purchases
• 3% all-year rebate on Caltex fuel purchases
• Exclusive privileges in 160 countries worldwide

Fees and Charges

• Annual fee: ₱2,500 (meet the minimum spend of ₱18,000 within 60 days from card delivery date to avail of no annual fees for life until June 30, 2024)
• Interest rate: 3%
• Required minimum monthly income: ₱16,666

BPI Amore Platinum Cashback Card

The BPI Amore Platinum Cashback Card is the ultimate card for women who love dining out or ordering from their favorite online food delivery services. Every ₱1,000 you spend earns you a 4% cashback. 

Features

• 4% cashback for every ₱1,000 spend at restaurants and online food delivery services 
• 1% cashback for shopping spend at supermarkets and department stores 
• 0.3% cashback for all other in-store, online, local, and international spend
• Unlimited access to family lounges at Ayala Malls 

Fees and Charges

• Annual fee: ₱5,000
• Interest rate: 3%
• Required minimum monthly income: ₱83,333

📌 For Frequent Travelers 

UnionBank Cebu Pacific Gold 

Do you frequently fly with Cebu Pacific? A credit card offering travel-related deals and perks is a must-have! Check out the UnionBank Cebu Pacific Gold credit card, which allows you to earn Go Reward Points with your spending.

Features

• 1 Go Reward Point for every ₱200 spend
• 1 Go Reward Point for every ₱100 Cebu Pacific spend
• Access to exclusive Cebu Pacific seat sales 

Fees and Charges

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

UnionBank Miles+ Signature Visa

If you want to explore the world while saving money on your trips, this UnionBank credit card is a must-have in your wallet. With it, you can earn higher rewards on travel-related expenses, enjoy free travel insurance, and access airport lounges.

Features

• 1 non-expiring mile for every ₱30 spend
• Up to ₱1 million travel insurance
• VIP lounge access at select lounges here and abroad
  • Two complimentary visits per membership year

Fees and Charges

• Annual fee: ₱5,000
• Interest rate: 3%
• Required minimum monthly income: ₱30,000

Related: UnionBank Credit Card Promos for New Cardholders, Travelers, and More

Metrobank World Mastercard^® 

Women who frequently travel for work or pleasure need a credit card with all the premium perks. The Metrobank World Mastercard^® ticks all the boxes when it comes to luxurious rewards, deals, and privileges―perfect for any hardworking woman who deserves only VIP treatment! 

Features

• 1 mile per ₱17 foreign currency spend 
• 1 mile per ₱50 spend on other categories
• 1 rewards point for every ₱20 spend
• 2x reward points for foreign currency transactions
• Up to 50% off on luxury dining deals

Fees and Charges

• Annual fee: ₱6,000
• Interest rate: 3%
• Required minimum monthly income: ₱125,000

📌 For Free-Spirited Individuals

RCBC Flex Visa

The RCBC Flex Visa is the ideal card for free-spirited young adults. As a cardholder, you can 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.

Features

• 2x rewards points in any two of the following spending categories: travel, transportation, clothing, and dining
• Complimentary travel insurance and purchase protection
• Terminal 1 and 3 PAGSS Lounge access

Fees and Charges

• Annual fee: ₱1,500
• Interest rate: 3%
• Required minimum monthly income: ₱15,000

Read more: Flex Your Financial Savvy with RCBC Flex Visa

Final Thoughts

The best credit cards for women offer many 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 one for you!

Source: ^[1] UnionBank Rewards Credit Card No Annual Fee Promo