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Best Women's Credit Cards of 2019

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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.

Best Womens Credit Cards

BBazaar's Best Women's Credit Cards of 2019

Updated on 7th January 2019

Credit Card Key Benefit
RHB Visa Signature Credit Card

Up to 6% cashback on shopping, online, and entertainment expenses

HSBC Visa Signature Card

Earn 8x Reward Points on overseas and online (foreign currency) expenses

Get 5x Reward Points for online (local currency) expenses and purchases at local participating malls

Hong Leong WISE Gold Credit Card

10% cashback on two categories of your choice

UOB Lady’s Platinum Credit Card

10% cashback on fashion purchases on Saturday and Sunday

Standard Chartered JustOne Platinum Mastercard

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

Bank Rakyat Muslimah Card

Special discounts from 5% to 10% at participating merchants

Here are the Best Credit Cards for Women in Malaysia 2019

Updated on 7th January 2019

Card Name
Minimum Income
Key benefits
Annual Fee
Know More

RM80,000 p.a.

(Minimum Income)

Up to 6% cashback on shopping, online, and entertainment expenses

(Key benefits)

Lifetime annual fee waiver for both cards

(Annual Fee)

RM72,000 p.a.

(Minimum Income)

Earn 8x Reward Points on overseas and online (foreign currency) expenses

Get 5x Reward Points for online (local currency) expenses and purchases at local participating malls

(Key benefits)

Principal card: RM600

Supplementary card: RM300

(Annual Fee)

RM24,000 p.a.

(Minimum Income)

10% cashback on two categories of your choice

(Key benefits)

Principal card: RM160

Supplementary card: RM80

(Annual Fee)

RM48,000 p.a.

(Minimum Income)

10% cashback on fashion purchases on Saturday and Sunday

(Key benefits)

Principal card: RM128

Supplementary card: RM30

(Annual Fee)

RM36,000 p.a.

(Minimum Income)

Get up to 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)

Special discounts from 5% to 10% at participating merchants

Special activities like grooming workshops and gourmet classes available

(Key benefits)

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.

RHB Visa Signature Credit Card

Card Name
Minimum Income
Key benefits
Annual Fee
Know More

RM80,000 p.a.

(Minimum Income)

Up to 6% cashback on shopping, online, and entertainment expenses

(Key benefits)

Lifetime annual fee waiver for both cards

(Annual Fee)

Maximise the value of your shopping expenses with the RHB Signature Credit Card. You receive cashback on your shopping, online, overseas, and entertainment transactions with the card.

Key Benefits

  • Get up to 6% cashback on your shopping, online, and entertainment transactions.
  • Relax comfortably with the 5x complimentary access to lounges in Malaysia.
  • Enjoy complimentary green fees at various golf clubs in Malaysia.
  • Stay protected during your travels with the automatic insurance coverage of up to RM600,000.
Additional Points Description
How to Use It
  • Pay for your shopping transactions with your card.
  • Use your card for your online, overseas, and entertainment expenses as well.
Good about It
  • You will have to spend RM3,500 and above in each calendar month to earn 6% cashback.
  • For 2% cashback, you have to spend between RM2,500 and RM3,499.
  • For 1% cashback, you have to spend anywhere between RM1,000 and RM2,499.
  • Cashback for shopping, entertainment, and online categories is capped at RM30 each month.
  • You can earn unlimited 0.2% cashback on other retail expenses and there’s no capping.
  • You earn up to 2% cashback on overseas expenses and this amount is capped at RM100 each month.
  • You have to charge the full price of your air tickets for automatic travel insurance.
Keep in Mind
  • Those who love shopping.

Who Should Get It

  • Those who love shopping.

HSBC Visa Signature Credit Card

Shopping online gets even more rewarding with the HSBC Visa Signature Credit Card. You earn points on your local and overseas online and retail transactions.

Key Benefits

  • Enjoy 8x Reward Points on online (foreign currency) and overseas expenses.
  • Get 5x Reward Points on online and retail transactions at local participating malls.
  • Rest well before your flight with the complimentary access to Plaza Premium Lounge.
Additional Points Description
How to Use It
  • Pay for your online shopping expenses with your card.
  • Swipe your card for your expenses at local malls.
Good about It
  • Exclusive access deals and discounts at more than 6,500 shopping outlets.
Keep in Mind
  • The 8x and 5x points awarded on your online, local malls, and overseas expenses is only valid till 31 December 2018.
  • The complimentary access to Plaza Premium Lounge is only available till 31 December 2018.
  • You can redeem your accumulated points for vouchers and merchandise from the bank’s catalogue.

Who Should Get It

  • Those who enjoy shopping.
  • Those who use their card for shopping expenditures.

Hong Leong WISE Gold Card

Card Name
Minimum Income
Key benefits
Annual Fee
Know More

RM24,000 p.a.

(Minimum Income)

10% cashback on two categories of your choice

(Key benefits)

Principal card: RM160

Supplementary card: RM80

(Annual Fee)

The Hong Leong WISE Gold Card rewards you with cashback on categories of your choice. This gives you added flexibility and helps you get the best value on your expenses.

Key Benefits

  • Earn 10% cashback all year round on categories of your choice.
  • Enjoy high cashback returns of up to RM100 every month.
  • Get flexibility of choosing and changing your own categories each month.
Additional Points Description
How to Use It
  • Swipe your card for your shopping, dining, and other retail expenses.
  • Switch categories to suit your lifestyle and spending requirements.
Good about It
  • The minimum annual income requirement is as low as RM24,000 per annum.
  • Enjoy cashback on mobile expenses, which is the default bonus category.
Keep in Mind
  • You can choose only a maximum of two spending categories.
  • You have to spend a minimum of RM2,000 on retail expenses each month to enjoy 10% cashback.
  • The cashback you earn each month is capped at RM100.
  • You will charged a one-time maintenance fee of RM10 when you switch categories.

Who Should Get It

  • Those who want flexibility with their spending categories.
  • Those who shop and dine out frequently.

UOB Lady’s Platinum Credit Card

Card Name
Minimum Income
Key benefits
Annual Fee
Know More

RM48,000 p.a.

(Minimum Income)

10% cashback on fashion purchases on Saturday and Sunday

(Key benefits)

Principal card: RM128

Supplementary card: RM30

(Annual Fee)

This credit card offered by UOB is specially created for women. You get exclusive offers and privileges on your purchases for shopping and travelling at participating merchants. You also get special discounts throughout your birthday month.  

Key Benefits

  • Get 10% cashback on your fashion purchases made on Saturday and Sunday through the Fashion Ten programme.
  • 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 during your birthday month to enjoy 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 the Fashion Ten programme.
  • You need to make a transaction within 60 days of your card approval date to earn joining benefits.
  • The Zalora Promo Code can be used just once.

Who Should Get It

  • Frequent travellers and overseas retail shoppers.
  • Those who want to earn cashback on their credit card transactions.

Standard Chartered JustOne Platinum Mastercard

Card Name
Minimum Income
Key benefits
Annual Fee
Know More

RM36,000 p.a.

(Minimum Income)

Get up to 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)

With the Standard Chartered JustOne Platinum Mastercard, you get cashback every time you make a transaction. The card also comes with a number of offers at participating merchants, which helps save more on your purchases.

Key Benefits

  • You can get up to 15% cashback on monthly expenditures.
  • Access 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.
  • Enjoy RM7 off when you book a movie ticket via GSC (Golden Screen Cinemas) website or mobile app.

 

Additional Points Description
How to Use It
  • Use this card at participating merchants to earn maximum benefits.
  • Use the card at Golden Screen Cinemas to enjoy a discount on your movie tickets.
Good About It
  • The card offers you 0.2% cashback on all other retail purchases made using it.
  • It offers you an annual fee waiver for the first year. Subsequently, if you make transactions worth RM20,000 in a year, you’ll be eligible for the waiver.
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.
  • GSC benefits are applicable everyday, except Wednesdays and are limited to two tickets per day.

Who Should Get It

  • Those who shop online often.
  • Those who swipe their credit card for several transactions.

Bank Rakyat Muslimah Card

Card Name
Minimum Income
Key benefits
Annual Fee
Know More

RM24,000 p.a.

(Minimum Income)

Special discounts from 5% to 10% at participating merchants

Special activities like grooming workshops and gourmet classes available

(Key benefits)

Waived for life

(Annual Fee)

This credit card, offered by Bank Rakyat, is exclusively for the women in Malaysia. It comes with an annual fee waiver and also offers takaful benefits for your family.

Key Benefits

  • Enjoy 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, grooming workshops, etc.
  • 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.
Good About It
  • Get exclusive discounts and promotions offered by Mastercard.
  • 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 this 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 use their credit card for retail 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 cards listed above have their own set of benefits, the RHB Visa Signature Credit Card edges out. For starters, you can earn up to 6% cashback on shopping, online, overseas, entertainment, and other retail expenses.

You also enjoy complimentary lounge access in Malaysia, complimentary green fees at several golf clubs in Malaysia, and you get travel insurance coverage.

The final highlight is the lifetime annual fee waiver for both principal and supplementary cards. This means, you won’t have to worry about setting aside a certain amount for fees with this card.

Illustration

To know how much cash rebates you can earn with the RHB Visa Signature Credit Card, take a look at the table below. Now let’s assume you spend RM3,500 each month on several spending categories.

Expense Category Amount Spent Cashback Given Total Cashback Cashback Cap
Shopping RM1,500 6% RM210 RM30 for each category
Entertainment RM1,000 6%
Online RM500 6%
Other RM500 0.2% RM1 -
         
Total RM3,500   RM211 With capping – RM91  

As you can see, you can earn RM211 cash rebates on your expenses in a month if you spend RM3,500. However, with the capping you will earn only RM91.

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