Women can now take control of their finances with women-centric credit cards. These cards offer unique features and benefits designed to meet the needs of women, such as shopping discounts and travel perks. By providing rewards, these cards encourage women to make smart financial choices and help them build a solid credit history.
image Credit- Card Insider
Women-focused credit cards are important because they recognize the various roles women have today. Whether managing family expenses, traveling for work, or enjoying personal time, a credit card that suits their lifestyle can improve their financial independence. These specially designed cards offer rewards and benefits that help women feel more confident and secure in managing their money. In this blog, we will discuss the credit cards that are specifically created for women and how they help them become more independent.
Union Bank of India Divaa RuPay Credit Card
The Union Bank Divaa RuPay Credit Card is particularly designed for women. It comes with no joining fee and a renewal fee of ₹499, which can be waived if you spend ₹30,000 in the previous year. The card rewards users with 2 Reward Points for every ₹100 spent, which can be redeemed for products and vouchers.
One important feature is the free access to airport lounges. Cardholders can visit two domestic lounges every quarter and two international lounges each year, which benefits frequent flyers. The card also provides personal accident insurance coverage of up to ₹2 lakhs for added security.
With this card, you can easily make UPI payments at stores using the BHIM app. The card also offers 24/7 concierge services to assist you whenever you need help. With an interest-free credit period ranging from 20 to 50 days, cardholders can manage payments easily. The Divaa credit card offers a fuel surcharge waiver of 1% on fuel purchases, up to ₹100 monthly, helping users save on fuel expenses.
BOBCARD Tiara Credit Card
The BOBCARD Tiara Credit Card is another card created for women, focusing on their unique needs and preferences. Available at a joining fee of ₹2,499 with taxes, this card offers a number of advantages.
Cardholders earn 5X Reward Points on dining, travel, and international transactions for every ₹100 spent in these categories. All other eligible purchases earn 3 points for every ₹100. A low Forex markup charge of 2% makes it attractive for international travelers.
The Tiara Credit Card also provides exceptional perks like unlimited domestic airport lounge access upon spending ₹40,000 in the previous quarter and complimentary memberships, including FitPass Pro for six months, Swiggy One for three months, and subscriptions to Amazon Prime or Disney Hotstar.
This card also supports UPI payments through apps like Google Pay. Annual fees can be waived by spending ₹2.5 lakh annually. Another perk is that upon spending ₹25,000 in the first 60 days, the joining fee will be reversed. The Tiara Credit Card offers great benefits for women who want financial independence. It even offers features such as zero liability for lost cards and a competitive monthly interest rate of 3.25%.
Comparing Women-Centric Credit Cards
| Features | Union Bank of India Divaa RuPay Credit Card | BOBCARD Tiara Credit Card |
| Joining Fee | Nil | ₹2,499 + GST |
| Renewal Fee | ₹499 + GST | ₹2,499 + GST |
| Welcome Benefits | N/A | Free Membership for Swiggy, Amazon, Gaana Plus, etc |
| Movie/ Dining Perks | N/A | Up to ₹250 Off on Movie Tickets with BookMyShowFree Swiggy One Membership |
| Airport Lounge Access | 2 Domestic Airport Lounge Access Every Quarter2 International Airport Lounge Access Annually | Unlimited Domestic Airport Lounge Access on Spending ₹40,000 in the Previous Quarter |
| Insurance Benefits | Personal Accident Insurance Coverage Worth ₹2 Lakhs | Zero Liability on Lost Card |
Benefits of Women-Centric Credit Cards
- Rewards on Everyday Purchases: Many women-centric credit cards offer rewards like cashback or points on purchases. You can earn money back or rewards for things like groceries, dining, and shopping.
- Extra Benefits for Women: These cards may include offers that are useful for women, such as discounts at salons, spas, or stores that sell fashion items. It makes shopping more affordable.
- Spa and Wellness Perks: If you enjoy self-care, some cards offer discounts on spas, wellness products, and treatments, giving you a chance to treat yourself at a lower cost.
- Building Credit: Using a credit card responsibly helps you build a good credit score. A good score is important for future loans or mortgages.
- Travel Perks: Many women-centric cards offer benefits like discounts on flights, hotels, or free travel insurance. If you travel often, this can save you money.
Bottom Line
Choosing the right credit card can improve a woman’s financial journey. Credit cards like the Union Bank Divaa RuPay and the BOBCARD Tiara offer special benefits that meet the needs of women. These cards not only provide rewards on everyday purchases but also provide added perks such as airport lounge access, insurance coverage, and wellness discounts.
By selecting a card that suits their lifestyle, women can enjoy financial independence, make smart spending choices, and build a solid credit history. Women can take charge of their financial futures with confidence because there are tools designed specifically for them.
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