Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Top Credit Cards for Women

    Credit cards have become popular across different segments and age groups, and the never- ending list of cashback, free flight tickets, easy EMI, reward points, etc. make them more lucrative. Women love shopping and there are credit cards that are designed to specifically cater to such needs. Some women love to travel, and for them, banks offer credit cards tailored to meet travel requirements. However, only making purchases on credit cards cannot offer huge benefits. Reward points and cashback makes the experience of using credit cards better for women.

    List of Best Credit Cards for Women

    Some of the credit cards that are best suited for women are mentioned below:

    • HDFC Solitaire credit card
    • Standard Chartered Landmark Rewards Platinum credit card
    • Kotak Silk Inspire Credit Card
    • ICICI Bank Coral credit card
    • Citibank Rewards credit card

    Features and Benefits of Best Women Credit Cards

    HDFC Solitaire Credit Card

    You can avail a wellness package from Thyrocare as the welcome benefit in the first year. As a renewal benefit, you can avail 1,000 rewards points from the 2nd year onwards. For every Rs.150 spent using the HDFC Solitaire credit card, you can earn 3 rewards point. Under the feature called Accelerated Rewards Points, you can avail additional 50% rewards points on all your dining spends and grocery expenses. As shopping benefit, enjoy a voucher worth Rs.1,000 from SS (Shoppers Stop). However, cumulative spends on your HDFC Solitaire credit card must be at least Rs.75,000 every 6 months. You can choose to redeem all your accumulated rewards points at several domestic airlines. Avail fuel surcharge waivers when you use this credit card at petrol stations. The annual fee or renewal fee associated with this credit card is Rs.999.

    Standard Chartered Landmark Rewards Platinum Credit Card

    The Standard Chartered Landmark Rewards Platinum credit card offers 9X reward points at all the Landmark affiliated shops like Home Centre, Max and Lifestyle. Along with that, you can also avail 5% cashback at the time of sale previews at Home Centre and Lifestyle. Cashback of 5% can be availed at SPAR. You can enjoy coupons worth Rs.2,800 with the Standard Chartered Landmark Rewards Platinum credit card. All your accumulated rewards points can be redeemed across the affiliated shops for Re.0.60 per reward point. Enjoy global acceptance with this credit card as Standard Chartered cards are accepted at above 19 million MasterCard and VISA establishment across the world. You can also choose to transfer the outstanding balance from a different credit card to this card at lucrative rates of interest. The Standard Chartered Landmark Rewards Platinum credit card can be utilised to buy airline tickets and railways tickets at the airline and railway ticket counters, respectively. The teledraft feature allows you to enjoy different facilities at your doorstep. With 1.5 million ATMs across the globe and above 20,000 in India, you can enjoy cash advance facility whenever you need.

    Kotak Silk Inspire Credit Card

    With Kotak Silk Inspire Credit Card get up to 5x reward points on every Rs.100 spent on clothing & earn 1 reward point on every Rs.200 spent on any other categories. This card comes with insurance protection and you get a cover of up to Rs. 75, 000 against fraudulent transaction. Cardholders will get all the primary card benefits when they apply for add-on cards. This card can be availed without any income proof as it is sanctioned against fixed deposits.

    ICICI Bank Coral Credit Card

    Using the ICICI Bank Coral credit card, you can enjoy 4 Payback points for every Rs.100 that you spend on groceries, dining and at the supermarkets. Except fuel, you can earn 2 payback points on all the other spends using the Coral credit card offered by ICICI. The points that you earn each month can be accumulated and used to redeem gifts or cash of your choice. As a joining gift, you can enjoy a complimentary Provogue tie worth Rs.999. This joining gift will get delivered within a period of 30 days after the joining fee is paid. From the second year onwards, the annual fee for the ICICI Bank Coral credit card is Rs.500 plus the applicable taxes. However, if you spend Rs.1.5 lakh using this credit card in a year, the annual fee for the next year is waived off. The ICICI Bank Coral credit card offers 2X cash rewards on your purchases. Every quarter, you can also enjoy one complimentary airport lounge (domestic) access. You can also get 2 complimentary movie tickets every month when you use the BookMyShow app. Avail a discount of 15% on all your dining bills at more than 2,100 restaurants all over India under the Culinary Treats Program.

    Citibank Rewards Credit Card

    The Citibank Rewards credit card allows you to earn 10X reward points at different department stores and apparel shops. At select partner outlets, you can earn unlimited reward points when you use this card. You can earn 1 point for spending Rs.125 on this credit card. As a welcome bonus, you can avail 1,500 points. You can get 1,000 bonus points if you spend an amount of Rs.1,000 within a period of 60 days using the card. In one month, you can earn 300 points if you spend a minimum of Rs.30,000. The points that you earn using the Citibank Rewards credit card never expire. You can accumulate your points and use it whenever you want, as per your convenience.

    FAQs on Women's Credit Card

    1. Is it possible for a housewife to apply and get a credit card?

      Yes, housewives can get a credit card. However, this may be via an add-on card. They can also have a fixed deposit at the bank through which they can easily apply for a credit card with the bank. With this fixed deposit which will serve as a security against the credit limit, the banks will mostly approve of applications for the credit card.

    2. What are the benefits women can get with the HDFC Solitaire Credit Card?

      With the HDFC Solitaire Credit Card, for every Rs.150 that you spend, you will get 3 rewards points. Under a feature known as Accelerated Rewards Points, you can also get an additional 50% rewards points on your grocery spends and dining expenses.

    3. Will my wife be able to get a credit card with my income source?

      Well, you can always include your household income, and mention the name and income of your spouse when you apply for a credit card.

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