Considering women can and do use vastly different equipment on average (I think it’s toxic masculinity that makes it so guys struggle with the “don’t kill the ball” idea and often need more rigid shafts on their clubs), I think you’re right to clarify and female golfer sounds a thousand times better than woman golfer.

That said, if you aren’t going the gift card route, mix golf and something else and get her a golf towel (has a little ring to attach it to your bag) with some character she likes or something