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  • Best Women’s Credit Cards of 2018

    Women’s Credit Cards

    Many banks in Malaysia offer credit cards exclusively for women. Whether you want to save on your household expenses or looking for cards that offer exciting offers when you shop, this list of the best cards for women will definitely help you. You can compare these cards with the other cards available in the market and apply accordingly.

    Here are the Best Credit Cards for Women in Malaysia 2018

    Updated on 15th November 2018

    Card Name
    Minimum Income
    Key benefits
    Annual Fee
    Know More

    RM24,000 p.a.

    (Minimum Income)

    Get 15% cashback every month on online shopping, auto bill payments, and petrol.

    Earn 0.2% cashback on all other retail transactions made using the card.

    Enjoy many privileges and exclusive offers at more than 4,000 outlets in Malaysia and Asia.

    (Key benefits)

    Principal Card: Waived for the first year.

    Subsequent years,

    Principal card: RM250.

    Waived on a minimum spend of RM20,000 p.a.

    Supplementary Card: Waived for life.

    (Annual Fee)

    RM24,000 p.a.

    (Minimum Income)

    Earn up to 5% cash rebate at Tesco every day.

    Earn extra Tesco Clubcard points.

    (Key benefits)

    Principal card: waived.

    Supplementary card: waived.

    (Annual Fee)

    RM80,000 p.a.

    (Minimum Income)

    Get 6% cashback on dining, groceries, and online transactions.

    Earn 1 VIP point for every RM1 spent on other retail transactions.

    (Key benefits)

    Principal card: First-year fee waived. Subsequent years, waiver of fee on minimum 12 swipes over 12 months.

    Supplementary card: waived.Supplementary card: RM200.

    (Annual Fee)

    RM36,000 p.a.

    (Minimum Income)

    Earn up to 8x reward points on every transaction in over 30 malls across Malaysia.

    Enjoy exclusive deals and discounts at more than 6,500 shopping outlets.

    (Key benefits)

    Principal card: RM240. The annual fee is waived when you swipe the card every month for a year.

    Supplementary card: RM120.

    (Annual Fee)

    RM24,000 p.a.

    (Minimum Income)

    10% interest back on retail transactions and cash advances.

    (Key benefits)

    Principal Card: Waived.

    Supplementary Card: Waived.

    (Annual Fee)

    RM24,000 p.a.

    (Minimum Income)

    Enjoy birthday rewards.

    Get 10% cashback on fashion purchases made on Wednesday and weekends.

    Shop and pay later through LuxePay Plan.

    (Key benefits)

    Principal card: RM68.

    Supplementary card: RM30.

    (Annual Fee)

    RM24,000 p.a.

    (Minimum Income)

    Up to 5% cashback at SOGO departmental store and supermarket in Kuala Lumpur.

    (Key benefits)

    Principal card: RM88

    Supplementary card: Waived for life.

    (Annual Fee)

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed upon card renewal or new card sign up.

    Standard Chartered JustOne Platinum Mastercard

    This credit card offers cashback every time you make a purchase. The card comes with a host of offers at participating merchant outlets, which helps save more on your purchases.

    Key Benefits

    • Up to 15% cashback on monthly spend.
    • Get extra cash with the Cheque-On-Call feature.
    • Make your payments conveniently through the Samsung Pay feature.
    • Pay your bills of expensive purchase in a form of easy and affordable instalments using the FlexiPay Plus feature.
    Additional Points Description
    How to Use It
    • Use this card at select participating merchants to earn maximum benefits.
    • Use the card at Golden Screen Cinemas to enjoy the exclusive offer.
    Good about It
    • The card offers you 0.2% cashback on all other retail purchases made on it.
    Keep in Mind
    • Government MCC and Charities MCC are not eligible for the cashback.
    • GSC benefits are available only via the GSC website and mobile app bookings.

    Who Should Get It

    • Those who shop online quite often.

    CIMB Tesco Platinum Credit Card

    Make your shopping trips to Tesco even more exciting with up to 5% cash rebates when you use the CIMB Tesco Platinum Credit Card. Besides this benefit, you also earn additional Tesco Clubcard points on your purchases at Tesco and other stores.

    Key Benefits

    • Spend RM3,000 and above per month to earn 5% cash rebate.
    • Earn 2% cash rebates when you purchase items at Tesco and other stores for below RM3,000 a month.
    • Get 1 extra Tesco Clubcard point for every RM2 spent at Tesco and 1 extra Tesco Clubcard Point on other retail expenses.
    Additional Points Description
    How to Use It
    • Use this card for all your purchases at Tesco and other retail stores.
    • Use this card with your Tesco Clubcard for extra reward points.
    Good about It
    • Access to a wide range of discounts and offers.
    • PIN and Pay feature for added security.
    • Complimentary Touch n’ Go Zing Card with an auto-reload feature.
    Keep in Mind
    • The cash rebate is capped at RM50 each month.
    • Existing Tesco Clubcard members or those who have had a Tesco Clubcard will not receive a Tesco Clubcard free of charge.
    • Tesco Clubcard Points are not valid on petrol expenses.

    Who Should Get It

    • Those who purchase at Tesco regularly.
    • Those who wish to earn cashback on their transactions.

    PB Visa Signature Credit Card

    Transform your retail expenses into savings with the PB Visa Signature Credit Card. You receive 6% cashback on groceries, dining, and online transactions. Additionally, you get VIP points as well.

    Key Benefits

    • Enjoy 6% cashback when you spend on groceries, dining experiences, and online transactions.
    • Get 1 VIP Point for every RM1 you spend on the PB Visa Signature Credit Card.
    • Relax comfortably before your flight with the complimentary access to Plaza Premium Lounge in Malaysia.
    • Stay protected during your travels with the automatic travel insurance coverage.
    • Pay for your purchases conveniently with the Visa payWave feature.
    Additional Points Description
    How to Use It
    • Swipe this card for all your dining, grocery, and online transactions.
    • Use this card to receive VIP points on your purchases.
    Good about It
    • Annual fees for the first year is waived.
    • VIP Points can be redeemed for air miles, gift vouchers, and products from the Preferred Redemption Rewards Catalogue.
    • 2x complimentary access to any Plaza Premium Lounge in Malaysia.
    • Automatic travel insurance coverage up to RM500,000.
    Keep in Mind
    • Cash rebate is capped at RM38 per month.
    • Complimentary access to Plaza Premium Lounge is valid till 31 December 2018.
    • Subsequent years’ annual fees are waived for a minimum of 12 swipes for 12 consecutive months.

    Who Should Get It

    • Those who spend frequently on groceries, dining experiences, and online transactions.
    • Those who wish to be awarded VIP points on their expenses.

    HSBC Visa Platinum Credit Card

    The HSBC Visa Platinum Credit Card lets you enjoy up to 8x Reward Points when you shop at malls. Additionally, you earn reward points on every RM1 you spend and also get an exclusive access to special discounts at different shopping outlets.

    Key Benefits

    • Make shopping more rewarding with 8x points on your purchases at Mid Valley Megamall and The Gardens Mall.
    • Receive 5x Reward Points when you spend at other participating malls nationwide as well as 1x reward points for every RM1 spent.
    • Redeem your reward points for amazing dining and shopping experiences with the HSBC Rewards Programme.
    • Get exclusive access to an array of deals and discounts at over 6,500 shopping outlets with the SmartPrivileges Programme.
    • Enjoy all the local offers on dining, entertainment, shopping, and more with the Home & Away Programme.
    Additional Points Description
    How to Use It
    • When you shop at Mid Valley Megamall and The Gardens Mall, swipe this card for reward points.
    • Use this card for your purchases at other participating malls and for other expenses as well.
    Good about It
    • 20-day interest-free period.
    • Up to 8x Reward Points on purchases at malls and other transactions.
    • Access to a host of offers and discounts as well as local offers when you travel overseas.
    • Cash advance and balance transfer plans to manage your finances easily.
    • Auto bill payment to always clear your dues on time.
    Keep in Mind
    • Annual fee waiver if you swipe this card at least once a month for 12 consecutive months.
    • 20-days grace period only valid if outstanding balances from the previous month are settled.

    Who Should Get It

    • Those who shop at Mid Valley Megamall and The Gardens Mall regularly.
    • Those who wish to earn reward points on their transactions.

    Citi Simplicity + Card

    This credit card gives you 10% interest back every month for your one-time payments. It also offers you discounts when it comes to associated fees and charges.

    Key Benefits

    • Enjoy 10% interest back on your cash advances and purchases if you have paid your minimum due amount for that month.
    • Annual fee waiver for life for both principal and supplementary cards.
    • No penalty when you go over your allotted credit limit.
    Additional Points Description
    How to Use It
    • Use the card to get unlimited rebates every month.
    • Use this card for cash advances when required.
    • Use it at participating merchants to get discounts and privileges.
    Good about It
    • No over limit fee is charged.
    • No late payment penalty is imposed.
    • You can get credit limit if RM450,000.
    Keep in Mind
    • You need to have a minimum income of RM24,000.
    • Maximum credit limit offered is RM450,000.

    Who Should Get It

    • Those who shop online regularly.

    UOB Lady’s Classic Credit Card

    This card is specially designed for women. It offers you cashback on your purchases and exclusive discounts at participating merchants. You also get birthday rewards on the card along with customised payment plans.

    Key Benefits

    • Get 10% cashback on fashion purchases when you use the card every Wednesday, Saturday, and Sunday.
    • Enjoy 30% off on the ‘Advance Facial Treatment’ at select Jurlique outlets as a birthday reward.
    • Along with cashback, each Wednesday, enjoy various privileges and discounts at participating brands.
    Additional Points Description
    How to Use It
    • Use this card on Wednesdays and weekends to get maximum benefits.
    • Use it at participating merchants to enjoy discounts on shopping and beauty treatments.
    Good about It
    • When you activate your card and make 1x spend on it, within 60 days of its approval, you can get a ‘Zalora Promo Code’ worth RM25.
    • 0% Overseas Easi-Payment Plan.
    • A LuxePay Plan that allows you to convert your luxury purchases into easy instalments of 6 or 12 months at an interest rate of 0% p.a.
    Keep in Mind
    • The 10% cashback is capped at RM30 for each month.
    • You need to purchase a minimum RM300 per month to qualify for 10% cashback.
    • To get your birthday rewards, prior reservation is necessary.

    Who Should Get It

    • Those who like to shop.
    • Those who love to invest in luxury purchases.

    SOGO-RHB Credit Card

    With this card, enjoy cashback on your SOGO store and supermarket expenses. You can also earn SOGO Reward Points every time you shop at SOGO-KL.

    Key Benefits

    • Enjoy up to 5% cashback when you shop at SOGO KL Department Store and Supermarket for RM1,000 and above.
    • Similarly, get a cashback of 3% and 1% at SOGO KL Department Store and Supermarket, when you make purchases between RM501 and RM1,000 and RM500, respectively.
    • For every spend worth RM1 at SOGO Storewide, enjoy 1 SOGO Reward Point.
    • Earn 1 SOGO Reward Point for each RM2 spent at SOGO Supermarket and elsewhere.
    Additional Points Description
    How to Use It
    • Use your card at SOGO KL Department Store and Supermarket to earn cashback on your purchases.
    • Shop at participating merchants and get Smart Instalment payment plan with 0% interest rate for a tenure of up to 36 months.
    Good about It
    • You can enjoy various promotional offers at concerts, orchestra, theatre events, etc.
    • This card also offers you several RHB Smart Services, such as Smart Instalment, CashXcess, Smart Rewards, Smart Pay, etc.
    Keep in Mind
    • Maximum cashback earned every month on the card is capped at RM50.
    • Your purchases only at SOGO KL Department Store and Supermarket are eligible for the 5% cashback.

    Who Should Get It

    • Those who spend regularly for grocery shopping and departmental store purchases.

    How to Choose the Best Credit Card for Women?

    Compare all the cards before you decide on a particular card. Note down your spending pattern and budget for each month. Make sure that you can get the maximum out of a card. Look for a card that gives you discounts, rebates, and other privileges on your purchases.

    If you would like to know more about other card categories, then check out the best shopping credit cards and the best cashback credit cards.

    Review

    While all the above mentioned cards offer various privileges on them, UOB Lady’s Classic Card stands out for its exclusive features offered to women. You get birthday rewards on the card and you can get a discount of 30% on beauty treatments.

    Furthermore, a weekend shopping spree can save you much more as the card also offers 10% cashback on your shopping expenses on Wednesdays and the weekends. You also receive special privileges at participating merchants and many more such benefits.

    Illustration

    Let’s take a look at how the UNIRinggit Rewards Programme and fashion cashback offer work.

    Consider that you have spent RM2,100 on your retail and fashion purchases in a month.

    Spend Category Amount Spent Cashback Total Cashback Earned
    Local Retail Purchases RM1450 - -
    Fashion Purchases RM750 RM750 x 10 = RM75 (Capped at RM30) RM30

    Considering the capping on the 10% cashback, you can earn RM30 as cashback for each month on your fashion expenses.

    BBazaar's Best Women's Credit Cards of 2018

    Use this guide to compare and choose the card that is best suited to you. Make sure you read all terms and conditions pertaining to the card before opting for one. Identify your preferred spending category and budget to pick a card that will meet your financial needs. This table below will explain the categories that each individual card is ideal for. Utilize this table when comparing cards to choose the best card for yourself.

    Credit Card Key Benefit
    Standard Chartered JustOne Platinum Mastercard

    Get 15% cashback every month on online shopping, auto bill payments, and petrol.

    Earn 0.2% cashback on all other retail transactions made using the card.

    Enjoy many privileges and exclusive offers at more than 4,000 outlets in Malaysia and Asia.

    CIMB Tesco Platinum Credit Card

    Earn up to 5% cash rebate at Tesco every day.

    Earn extra Tesco Clubcard points.

    PB Visa Signature Credit Card

    Get 6% cashback on dining, groceries, and online transactions.

    Earn 1 VIP point for every RM1 spent on other retail transactions.

    HSBC Visa Platinum Credit Card

    Earn up to 8x reward points on every transaction in over 30 malls across Malaysia.

    Enjoy exclusive deals and discounts at more than 6,500 shopping outlets.

    Citi Simplicity+ Card

    10% interest back on retail transactions and cash advances.

    UOB Lady’s Classic Credit Card

    Enjoy birthday rewards.

    Get 10% cashback on fashion purchases made on Wednesday and weekends.

    Shop and pay later through LuxePay Plan.

    SOGO-RHB Credit Card

    Up to 5% cashback at SOGO departmental store and supermarket in Kuala Lumpur.

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