3 Best Credit Cards For Women In Singapore
The modern Singaporean woman wears many hats – the corporate leader, mother, wife, or perhaps, carving her niche in a male-dominated domain. Whether you are paying for a business lunch, shopping for your next luxury bag or buying grocery for the family, you can do with a little help with the right credit card. Here, we list some of the best credit cards that cater to the needs of three types of Singaporean women.
For the Corporate High-Flyer: UOB Lady's Card
Are you one of those sharp-looking ladies always immaculately dressed in a pencil skirt, high heels and carrying the latest Chanel/Louis Vuitton/Celine bag? If you love buying luxury goods but are also consistently on top of your finances, then the UOB Ladies card is made for you.
Other than giving you the chance to earn 10X UNI$ on your card spend, the UOB Lady's LuxePay Plan can help you manage your luxury shopping purchases. With this programme, you can put your new luxury purchases worth S$500 or more on a 6- or 12-month interest-free instalment plan. This allows you to better manage your month-on-month cashflow and avoid the burden of a lump-sum payment.
Of course, looking the part is only one aspect. As part of the shopping and dining benefits of this credit card, you'll also get to enjoy exciting birthday deals specially curated for you during your birthday month, such as a complimentary facial, scalp treatment, massage and many more.
The main attractive feature of the UOB Lady's Card that is it offers you the freedom to define your own rewards across categories from fashion to dining, beauty and wellness, family, transport, entertainment, and travel. You also have the flexibility to change your spending categories every quarter to suit your ever-changing lifestyle and reap the rewards along the way.
For the Bride-To-Be: DBS Woman's MasterCard Credit Card
Getting married is a once-in-a-lifetime experience and every bride-to-be in Singapore knows that couples typically take an average of one year to plan for their wedding. From looking for a suitable venue to hunting down that dream bridal gown, all whilst juggling work, life, family and friends... It can get a little overwhelming.
The card that that provides the best rewards for the future bride is the DBS Woman's Mastercard. Why? Because it's an all-in-one card that perfectly caters to your wedding needs. For instance, you get a complimentary table for every 10 guaranteed tables if you book your wedding package at Resorts World Sentosa. You can also get your pre-wedding spa and facial fixes, hair services at Kim Robinson Salon, a discount facial at Royal Secrets Beauty Indulgence, as well as the best rates on hotels for your honeymoon.
Another exclusive with the card: special membership rates at True Fitness and True Yoga, as well as complimentary visits to True fitness centres. Just a little motivation to get you to fit into your dream wedding dress!
For the Spa Lover: Maybank World MasterCard Credit Card
Being in the hands of a good masseuse can help to rejuvenate the mind, body and soul. Instead of going to Bali or Thailand for a good massage that cost half the price of that in Singapore, continue to enjoy your monthly (or weekly) spa routine with the right credit card.
The Maybank World Mastercard is a rewards card that lets you earn accelerated TREATS points (or 4 air miles) for every S$1 spent. Your TREAT points never expire and, most importantly, you get 10X TREAT points at The Luxe House, a wellness spa set amidst the lush greenery of Dempsey Hill. The card also comes with lots of lifestyle privileges and gives you the flexibility to redeem your rewards against a comprehensive list of merchants catered specially for those who enjoy the finer things in life.
What makes Maybanks cards some of the best rewards credit cards out there is their comprehensive list of wellness spas compared to many other banks. Privileges include spa treatments for less than S$50 at a number of popular houses such as Amarin Spa and LifeSpa, as well as other hair, nails and aesthetic services.
Duckju (DJ) is the founder and CEO of ValueChampion. He covers the financial services industry, consumer finance products, budgeting and investing. He previously worked at hedge funds such as Tiger Asia and Cadian Capital. He graduated from Yale University with a Bachelor of Arts degree in Economics with honors, Magna Cum Laude. His work has been featured on major international media such as CNBC, Bloomberg, CNN, the Straits Times, Today and more.