Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Women’s Credit Cards of 2018

    Some banks in Malaysia offer Credit cards exclusively for women. Other banks offer cards with multiple benefits and privileges that women can enjoy. These cards carry the same terms and conditions associated with usual conventional or Islamic credit cards.

    Here are the Best Credit Cards for Women in Malaysia 2018

    Updated on 4th September 2018

    Card Name
    Minimum Income
    Financial Charge
    Annual Fee
    Know More

    RM24,000

    15% p.a. to 18% p.a.

    Principal Card: First year waived

    Supplementary Card: Waived for life

    RM60,000

    15% p.a. to 18% p.a.

    Principal Card: RM300

    Supplementary Card: RM150

    RM24,000

    15% p.a. to 18% p.a.

    Principal Card: Waived

    Supplementary Card: Waived

    2RM36,000

    15% p.a. to 18% p.a.

    Principal Card: RM240

    Supplementary Card: RM120

    RM60,000 p.a.

    15% p.a. to 18% p.a.

    Principal Card: RM128

    Supplementary Card: RM30

    RM24,000

    13.5% p.a. to 17% p.a.

    Waived

    RM24,000 p.a.

    15% p.a. to 18% p.a.

    Principal Card: RM88

    SSupplementary Card: Waived

    *Effective 1 September 2018, Sales and Services Tax (SST) of RM25 will be imposed on the existing fee.

    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

    • Obtain 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 obtain exclusive offer.
    Good about It
    • The card offers you 0.2% cashback on all other retail purchases made on it.
    Keep in Mind
    • Use this card at select participating merchants to earn maximum benefits.
    • Use the card at Golden Screen Cinemas to obtain exclusive offer.

    Who Should Get It

    • Those who shop online quite often.

    Hong Leong WISE Platinum Card

    Enjoy 10% cashback on your shopping, dining, utility, and grocery expenses with the Hong Leong WISE Platinum Card. You can also switch the categories whenever you need and still get 10% cashback on your new selection

    Key Benefits

    • Turn your expenses into savings with the 10% cashback on various expenses.
    • Get cashback as high as RM100 per month on your selected categories.
    • Change your categories whenever you want to suit your lifestyle needs.
    Additional Points Description
    How to Use It
    • Swipe the Hong Leong WISE Platinum Card for dining, departmental, entertainment, travel, petrol, entertainment, grocery, utility, pharmacy, bookstore, and mobile expenses.
    Good about It
    • Spend locally and overseas to receive 10% cashback on up to two selected categories.
    • Switch categories whenever you need.
    Keep in Mind
    • You have to spend a minimum of RM2,000 on retail transactions to get 10% cashback.
    • You only get 10% cashback on a maximum of two selected categories.
    • The cashback for each month is capped at RM100.
    • You will be charged a one-time maintenance service fee of RM10 when you switch categories.
    • Cashback accumulated on the supplementary card will be credited to the principal cardholder’s account.

    Who Should Get It

    • Those who spend frequently on shopping, dining, groceries, utilities, and more.
    • Those who want to earn cashback on their expenses.

    Citi Simplicity+ Card

    The card does not charge any penalty in case of late payments or over limit. It also offers a host of benefits on transactions. Let’s know more about the credit card.

    Key Benefits

    • Get annual fee waiver for life.
    • Access cash worldwide via multiple ATMs.
    • Enjoy rebates every month without any cap on them.
    Additional Points Description
    How to Use It
    • Pay at least the minimum applicable monthly outstanding amount to enjoy 10% interest back on retail transactions and cash advances.
    • Use the card at participating outlets to get discounts on shopping and other lifestyle purchases.
    Good about It
    • The card does not come with any over limit fee.
    • No late payment penalty is charged on the card.
    • No capping is imposed on rebates earned.
    • Credit limit if RM450,000.
    Keep in Mind
    • A cash advance limit may be imposed by the bank.

    Who Should Get It

    • Those who shop online regularly.

    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 also earn reward points on every RM1 you spend, and get exclusive access to special discounts at different shopping outlets.

    Key Benefits

    • Make shopping more rewarding with 8x points on your purchases 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 purchase 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.

    UOB Lady’s Classic Card

    The credit card offers a number of benefits and rewards for women in Malaysia. Currently, it is also offering a chance to win a holiday to Singapore along with a welcome gift. Read further to know more about the privileges offered on the card.

    Key Benefits

    • Spend a minimum of RM50 using your card and stand a chance to win a holiday to Singapore with your dear one. Earn entries for this campaign by using the card for local and overseas retail spends.
    • As a birthday reward, get 30% off on Advance Facial Treatment at select Jurlique outlets.
    • Enjoy 10% cashback on fashion purchases made using the card on every Wednesday, Saturday, and Sunday.
    Additional Points Description
    How to Use It
    • Use the card at participating outlets to get discounts on shopping and beauty treatments.
    • Use this card on Wednesdays and weekends to get maximum benefits.
    Good about It
    • The card offers LuxePay Plan that enables you to convert your luxury purchases into easy instalments of 6 months or 12 months at an interest rate of 0% p.a.
    • It also offers you a 0% Overseas Easi-Payment Plan.
    Keep in Mind
    • The Singapore holiday campaign is a promotional activity that is valid only until July 31, 2018.
    • Prior reservation is necessary to be eligible for the birthday rewards.
    • You must make the expenditures of minimum RM300 per month to qualify for 10% cashback.
    • The 10% cashback is capped at RM30 for each month.

    Who Should Get It

    • Those who love shopping.
    • Those who spend regularly on luxury purchases.

    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 also earn reward points on every RM1 you spend, and get exclusive access to special discounts at different shopping outlets.

    Key Benefits

    • Make shopping more rewarding with 8x points on your purchases 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 purchase 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.

    UOB Lady’s Platinum Credit Card

    This credit card offered by UOB is specially designed for women. You can get exclusive discounts and privileges on your purchases for shopping and travelling at participating merchants.

    Key Benefits

    • Enjoy 30% discount on Advance Facial Treatment throughout your birthday month at participating Jurlique outlets.
    • Gest 10% cashback on your fashion purchases made on Wednesday and on weekends under Fashion Ten programme.
    • Every Wednesday, enjoy various offers at participating outlets and discounts on shopping with top brands.
    • Activate and make 1x spend on your card to get a Zalora Promo Code worth RM25 as a joining benefit.
    Additional Points Description
    How to Use It
    • Use the card at participating outlets and merchants to get more discount.
    • Use the card more during your birthday month to get Birthday Rewards.
    Good about It
    • 0% Overseas Easi-Payment Plan on the card allows you to pay for your luxurious purchases in affordable instalments.
    • The card offers periodic deals and discounts across the country.
    Keep in Mind
    • Prior reservation is required to obtain your Birthday Reward benefit.
    • Minimum qualifying spend criteria to earn a 10% cashback is RM500 in a month.
    • A maximum of RM50 is awarded as cashback under Fashion Ten privileges.
    • You need to make a spend within 60 days of your card approval date to earn joining benefits.

    Who Should Get It

    • Those who shop frequently.
    • Those who occasionally spends overseas.

    Bank Rakyat Muslimah Card

    The card is exclusively designed for the women in Malaysia. It comes with an annual fee waiver and also offers takaful benefits for your family.

    Key Benefits

    • Get a free family takaful cover and death benefits worth RM1,000. The takaful cover is offered on your outstanding balance.
    • Get discounts of 5% to 10% at participating merchants.
    • Attend exclusive activities as a cardholder that includes, gourmet classes and grooming workshops.
    • You can get up to 5 supplementary cards.
    Additional Points Description
    How to Use It
    • Use this card at participating merchants to get maximum discounts.
    • Use the credit card to access special campaigns for a Muslim cardholder.
    Good about It
    • Various Mastercard privileges and discounts.
    • Zero mark-up rates for your overseas transactions.
    • Flexi payment facility with flexible tenures of up to 24 months.
    • Non-Muslims can also apply for the card.
    Keep in Mind
    • Visit the official website of Bank Rakyat to see a list of participating merchants that offer discounts.
    • For a non-Muslim cardholder, transactions at non-halal merchant counters will be blocked.

    Who Should Get It

    • Those who regularly spend on retail purchases.

    SOGO-RHB Credit Card

    You can earn cashback on your transactions made at SOGO stores and supermarkets using this card. You can also earn SOGO Reward Points for your purchases in SOGO-KL.

    Key Benefits

    • Earn cashback of 5% on your purchase worth RM1,000 and more at SOGO KL Department Store and Supermarket.
    • Earn cashback of 3% on your purchase between RM501 and RM1,000 at SOGO KL Department Store and Supermarket.
    • Earn cashback of 1% on your purchase worth RM500 and below at SOGO KL Department Store and Supermarket.
    • Earn 1 SOGO Reward Point for every RM1 spent SOGO Storewide.
    • Earn 1 SOGO Reward Point for every RM2 spent at SOGO Supermarket and other places.
    Additional Points Description
    How to Use It
    • Use the credit card at SOGO KL Department Store and Supermarket to earn cashback on your transactions.
    • Get Smart Instalment payment plan with 0% interest rate at participating merchants with a tenure of up to 36 months.
    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
    • You can earn a maximum cashback of RM50 every month.
    • Your purchases only at SOGO KL Department Store and Supermarket are eligible for the cashback.

    Who Should Get It

    • Those who spend regularly on departmental and grocery purchases.

    How to Choose the Best Credit Card for Women?

    Compare all the cards before you decide on a card. Note down your spending pattern and budget for each month. Check for an annual fee waiver or a low annual fee on a card. Also, check for maximum rewards or benefits on each card. Choose a card that will fulfil your financial needs.

    If you are interested in other types of card, check the best petrol credit cards and the best shopping credit cards

    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 Pay your bills of expensive purchase in a form of easy and affordable instalments using the FlexiPay Plus feature.
    Hong Leong WISE Platinum Card Turn your expenses into savings with the 10% cashback on various expenses.
    Citi Simplicity+ Card Get annual fee waiver for life
    HSBC Visa Platinum Credit Card Make shopping more rewarding with 8x points on your purchases Mid Valley Megamall and The Gardens Mall.
    UOB Lady’s Classic Card Spend a minimum of RM50 using your card and stand a chance to win a holiday to Singapore with your dear one. Earn entries for this campaign by using the card for local and overseas retail spends.
    CIMB Tesco Platinum Credit Card Spend RM3,000 and above per month to earn 5% cash rebate/td>
    PB Visa Signature Credit Card Enjoy 6% cashback when you spend on groceries, dining experiences, and online transactions.

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